Insurance Tips for Everyday People
- All
- Consumer Info
- Definitions
- Dental Insurance
- Health Insurance
- Texas
- Wisconsin
What is Whole Life Insurance?
Whole life insurance is a type of life insurance policy that offers lifelong coverage. This means that, as long as the premiums are paid, the policy will remain in force until the insured person passes away. What are Key Features and Benefits of Whole Life Insurance? When is Whole Life Insurance a Good Choice? Whole…
What is STM or Short-Term health Insurance?
The Insurance Solutions Experts have several Short-term Medical Carriers available. Call our office – South/Southwest: 210-277-7871 or East/Midwest: 636-732-1122.
8 Factors Influencing Life Insurance Cost
As discussed in other blogs, term life insurance is usually the most affordable of the main 3 types of life insurance, followed by universal life insurance and then whole life insurance. In other words, you can usually get “more bang for your buck” with term life insurance because of the lower cost compared to permanent life…
Short Term Medical Health Insurance changes are coming September 1st, 2024
What changes are coming for Short Term Medical Health Insurance? If you have health insurance that is not an ACA (aka Obamacare, Affordable Care Act, Marketplace), Medicare, or a group plan, then the chances are high that you have an STM (short-term medical) health insurance plan also known as a Short-Term, Limited-Duration Insurance (STLDI) plan.…
What is Permanent Life Insurance?
Permanent life insurance provides lifetime coverage and has cash value. Whole Life and Universal Life Insurance are the two main types of permanent life insurance. What is Whole Life Insurance? Whole life insurance is usually better for people wanting permanent life insurance with guarantees. Whole life insurance premium payments and death benefits do not change…
What is Term Life Insurance?
Term life insurance (also known as term assurance) is life insurance that provides coverage at a fixed rate of payments for a set period of time. After that period expires, coverage at the previous rate of premiums is no longer guaranteed. The client must then either forgo coverage or potentially obtain further coverage with different…
Life Insurance
In this post, you will find common questions our team receives when someone contacts us about purchasing life insurance. What is life insurance? According to dictionary.com, life insurance is: “insurance that pays out a sum of money either on the death of the insured person or after a set period. https://www.dictionary.com/browse/life-insurance In addition, life insurance…
What is a co-pay?
Co-pay /ˈkōˌpā/ Noun A contribution made by an insured person toward the cost of medical treatment or other services: US “plans with low premiums are more likely to have high co-pays”. https://www.dictionary.com/browse/copay A co-pay (or copay or co-payment) is a set fee that you pay when you go to your doctor or fill a prescription.…
Sink Your Teeth Into Health
Some dental insurance plans offer 100% coverage from day one when you visit a network provider so you don’t have to worry about cost. Ask me about which ones offer this!