Buying life insurance is one of those rites of passage: deciding to buy life insurance is a sure sign that you are, in fact, a “grown-up” with grown-up responsibilities. Most people buy life insurance for the first time after having kids, and/or after getting married. Here are five life stages where you might consider buying life insurance – either for the first time, or as an addition to your existing coverage.

Read the full post on 5 times of life when you need to buy life insurance.

As you consider which life insurance option to purchase, you may ask yourself; what makes up the cost of the policy and the monthly premiums? Our Sales Operations Leader, Eric Mojica, can explain to you the basics.

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Eric Mojica: “All across the country, people are trying to secure life insurance for their loved ones. So what goes into the cost of a life insurance policy? Insurance is a way to protect yourself and your loved ones against the risk of uncertainty or lost. And your cost is based on how likely you’re going to suffer that loss or not. For example, if you’re shopping for auto insurance, you’ll pay more if you’ve had a lot of speedy tickets vs. if you’ve had a spotless driving record?

Read the full post on What Goes Into (the cost of) Life Insurance?.

Acquiring a health insurance plan is one of the best things a person can do to protect both their health, and their bank account. People must understand that major medical bills are currently the leading cause for bankruptcy in America. In addition, going without health insurance coverage also serves as a catalyst for individuals putting off treatment for a condition in its early stages of development. What they must realize is that the condition often worsens, and as a result becomes even more costly to treat.

Read the full post on The Importance of Having Health Insurance.

I think it’s fair to say that the majority of people in the United States believe that covering illegal immigrants and undocumented workers is simply impractical. Why should Americans offer their tax dollars to illegal immigrants, individuals who have clearly broken our laws?

Read the full post on Illegal Immigrants and Health Insurance.

All major medical health insurance plans are policies that individuals must medically qualify for. As a result, pre-existing medical conditions can influence the carrier’s decision whether or not to approve your policy. Pre-existing conditions are any medical conditions that existed prior to the time an individual applies or enrolls for a health insurance plan. The important thing to understand when looking to acquire health insurance is that every carrier will underwrite conditions in a different way. For example, some carriers may increase your premium for a particular condition, where as others may decide not to cover the condition at all. Similarly, just because one carrier declines a health insurance application doesn’t mean that you can’t acquire health insurance through another insurance company.

Read the full post on Pre-existing Conditions & Health Insurance.

Health insurance coverage for pre-existing conditions is part of the national health care reform debate. A pre-existing condition is any disease or illness which is diagnosed prior to enrollment in a health insurance plan. Many plans have specific rules regarding coverage for previously diagnosed conditions for new insureds. Typically, the plan will not provide benefits for the pre-existing condition for a set period of time. The exclusion period may be anywhere from 12-18 months.

Read the full post on Pre-existing Conditions.

The U.S. Census Bureau recently released figures indicating that the number of uninsured individuals in America has risen over the past year. This issue is derived from the economic times our country is enduring, but regardless it is one that needs to be remedied as soon as possible.

According to the Census Bureau the number of uninsured individuals has grown 1.3% over the past year; namely, from 45.7 million people in 2007 to 46.3 million people in 2008. Not surprisingly, employment based, as wells as private insurance coverage dropped, while enrollment through government sponsored plans such as Medicare grew. America did however experience an increase in the number of insured children in the past year by nearly 10%. That is a drastic transformation, and on that should be congratulated.

Read the full post on Number of Uninsured People Rising.