If you haven’t been in a car accident, consider yourself lucky. Or overdue.
By car insurance industry estimates, you will file a claim for a collision about once every 17.9 years. That’s if you’re an average driver, which, whether you’re willing to admit it or not, you likely are.
So if you got your license at age 16, the odds are quite good that you’ll experience some kind of crash by the time you’re 34, at the latest. Over the course of a typical long, driving lifetime, you should have a total of three to four accidents.
Chances are these crashes won’t be deadly. There are about 10 million accidents of all kinds each year, from parking lot scrapes to multi-car pileups, according to the National Safety Council; in 2009, just three of every 1,000 of those accidents involved fatalities.
But these crashes most likely will be costly. More than 2 million people are injured in crashes every year. In 2010, the average claim for injuries to cover both the insured driver and others involved in the crash had risen to $23,450, thanks in large part to soaring medical costs, according to the Insurance Research Council, a nonprofit research group.
[Let selectinsuranceteam.com help you find affordable auto insurance now.]
Accidents on the installment plan
Which brings us to why this little-known number is so critical. (We got the accident-every-18-years statistic from the Property Casualty Insurers Association of America, a trade association that analyzes insurance data.)
Insurance companies may sell protection -- and one night of TV advertisements suggests that they do a pretty good job on this front -- but they’re in the game to make a profit. And they don’t make a profit by paying for your accidents. They do so by getting you to pay for your accidents -- in advance.
“You’re paying a smaller portion over a longer period of time,” explains Dee Dee Mays, an actuary with Perr&Knight, an insurance consultancy. “It’s kind of a way to spread your risk.”
How to price your insurance rates low enough to lure you from a competitor, but high enough to make a profit on your future accidents, involves elaborate risk assessments that constitute the secret sauce of the insurance business.
But all can be boiled down to the need to determine two things:
How many accidents will occur? Or, put another way, how likely is each driver in each car to have an accident? And,
How much will each accident cost?
You’re already a statistic
How often you're considered due for that next accident depends a little, too, on your insurer. A company that insures large numbers of young drivers – who are far more likely to have accidents -- will likely budget for a shorter gap between crashes. State Farm, the country's largest auto insurance company, has customers with slightly lower-than-average accident rates.
"If we just take collisions, the average State Farm policy holder has a collision claim once every 19 years," says State Farm spokesman Dick Luedke.
But odds are made to be beaten, right?
Many factors are beyond a driver’s immediate control. Clearly you can’t alter road conditions or medical costs, at least by the time your insurance bill is due. That, in the insurance game, makes you a firm stat: a driver paying for the accident he’s expected to have every 17.9 years.
But there are some ways you can move the needle, ways that will both change your lifetime-accident rate and lower your insurance premium.
Assuming that, at least today, you can’t change your age, your driving history, or what kind of car you drive, here are some behaviors you can incorporate to lower your accident risk and, in the end, your insurance rates.
Don’t drive impaired. No single factor is more likely to cause an accident than a driver impaired by alcohol or other drugs. One-third of fatal accidents in this country are attributed to drunken drivers alone.
Don’t drive during the vampire hour. The deadliest three-hour periods on American roadways are between midnight and 3 a.m. on Saturdays and Sundays, according to the National Highway Traffic Safety Administration (NHTSA). Of those fatal crashes, 66% involve alcohol-impaired driving.
Keep your eyes on the road. NHTSA data show that 995 of the 30,797 fatal crashes in 2009 involved drivers using cell phones. Nearly, 5,500 traffic deaths involved a driver distracted by something inside the car, including technology, according to the U.S. Department of Transportation.
Don’t speed. Nearly one-third of all fatal accidents are attributed to speeding or driving too fast for conditions. Speeding is the single greatest contributor to accidents other than impaired driving. Insurance companies love such proven risk factors when assessing rates. Anyone who’s seen their premiums skyrocket after getting a ticket knows this well.
Avoid congestion. Less than a quarter of both injury crashes and non-injury crashes in 2009 occurred on roadways with a posted speed limit of 55 mph or higher. Fewer intersections apparently make for fewer crashes. Be careful, though: When accidents do occur on these highways, they are more likely to be deadly, accounting for nearly half of all traffic fatalities.
http://www.selectinsuranceteam.com/selectinsuranceblog.html
Tuesday, June 21, 2011
Select Insurance group Saint Peters Car Insurance Rates
Need auto insurance in Saint Peters, Missouri? At selectinsuranceteam.com, you can get leading car insurance rates in Saint Peters, and in Saint Charles County. We also offer full consumer support to help you through the auto insurance buying process if you would like. To find car insurance quotes near you, key your postal code into this link.
Sunday, June 19, 2011
bad health insurance behavior by young adults costs all the rest of us money
For decades now, one of the largest groups of uninsured Americans has been the 18 to 25 year-old crowd.
In insurance parlance this group has been dubbed the “Young Invincibles” because their youth and good health often mean they get the best prices on health insurance, and are unlikley to have an application declined becuase of a pre-existing conditions, but they choose to stay uninsured
Why? The assumption is that many simply don’t take the time to look for health insurance; either because they don’t think they need it (they’re young and invincible) or because they assume it’s unaffordable.
At select Insurance Group we think this is an important issue and wanted to find a different, perhaps more entertaining, way to engage twentysomethings on the topic. .
Give President Obama credit for addressing this “young invincible” issue head-on in his 2009 address to Congress, when he said, “Those of us with health insurance are… paying a hidden… tax for those without it – about $1000 per year for somebody else’s emergency room… care. There may be those – particularly the young and healthy – who still want to take the risk and go without coverage… The problem is such irresponsible behavior costs all the rest of us money…”
The President also did something about this issue in his health reform law by making it easier for young people to stay on their parent’s health insurance and providing new protections for people who buy their own health insurance.
America’s health care system is not perfect, and there are people who can’t get health insurance no matter how hard they try. But, there are also uninsured people who could qualify for affordable health insurance if they took the time to look. So, we’re encouraging every uninsured American to:
1.Check your options – Go to missourimedicalbenefits.org or work with one of our licensed agents and get quotes for private insurance options in your area. Many people are shocked by how affordable an individual health insurance policy can be, especially for young adults.
2.Expect better benefits – Provisions of the health care reform law expanded benefits for many new health insurance policies. For example, it put an end to lifetime dollar limits on coverage (for most medical services). It also made certain preventive care services available to policyholders with no out-of-pocket costs and increased consumer protections from rate increases.
3.Don’t run from pre-existing conditions – Review eHealthInsurance’s list of pre-existing conditions that don’t necessarily result in a declined application for individual insurance. And, investigate the new Pre-existing Condition Insurance Plan available through the Department of Health and Human Services at Healthcare.gov.
4.Get a second opinion – Contact our Missouri non-profit Foundation, Christians against no coverage a/k/a "CAN" for Health Coverage (www.missourimedicalbenefits.org) if you can’t qualify for private insurance due to a medical condition, or if you find the cost of health insurance to be too expensive. Our Missouri CAN Foundation for Health Coverage can direct you to all available state and federal health insurance products available for people in your position.
5.Pay a fair price – Don’t be afraid to negotiate prices for expensive medical procedures. Find out what the going rate is for a host of medical services by visiting Healthcare Blue Book (www.HealthcareBlueBook.com). This strategy is especially helpful for people who have high deductible health insurance plans, Health Savings Accounts (HSAs), are uninsured, or who to visit an out-of-network medical provider.
Let’s hope that if we make it clear to young people that finding health insurance has never been easier, we’ll begin to see more people step up and get covered.
In insurance parlance this group has been dubbed the “Young Invincibles” because their youth and good health often mean they get the best prices on health insurance, and are unlikley to have an application declined becuase of a pre-existing conditions, but they choose to stay uninsured
Why? The assumption is that many simply don’t take the time to look for health insurance; either because they don’t think they need it (they’re young and invincible) or because they assume it’s unaffordable.
At select Insurance Group we think this is an important issue and wanted to find a different, perhaps more entertaining, way to engage twentysomethings on the topic. .
Give President Obama credit for addressing this “young invincible” issue head-on in his 2009 address to Congress, when he said, “Those of us with health insurance are… paying a hidden… tax for those without it – about $1000 per year for somebody else’s emergency room… care. There may be those – particularly the young and healthy – who still want to take the risk and go without coverage… The problem is such irresponsible behavior costs all the rest of us money…”
The President also did something about this issue in his health reform law by making it easier for young people to stay on their parent’s health insurance and providing new protections for people who buy their own health insurance.
America’s health care system is not perfect, and there are people who can’t get health insurance no matter how hard they try. But, there are also uninsured people who could qualify for affordable health insurance if they took the time to look. So, we’re encouraging every uninsured American to:
1.Check your options – Go to missourimedicalbenefits.org or work with one of our licensed agents and get quotes for private insurance options in your area. Many people are shocked by how affordable an individual health insurance policy can be, especially for young adults.
2.Expect better benefits – Provisions of the health care reform law expanded benefits for many new health insurance policies. For example, it put an end to lifetime dollar limits on coverage (for most medical services). It also made certain preventive care services available to policyholders with no out-of-pocket costs and increased consumer protections from rate increases.
3.Don’t run from pre-existing conditions – Review eHealthInsurance’s list of pre-existing conditions that don’t necessarily result in a declined application for individual insurance. And, investigate the new Pre-existing Condition Insurance Plan available through the Department of Health and Human Services at Healthcare.gov.
4.Get a second opinion – Contact our Missouri non-profit Foundation, Christians against no coverage a/k/a "CAN" for Health Coverage (www.missourimedicalbenefits.org) if you can’t qualify for private insurance due to a medical condition, or if you find the cost of health insurance to be too expensive. Our Missouri CAN Foundation for Health Coverage can direct you to all available state and federal health insurance products available for people in your position.
5.Pay a fair price – Don’t be afraid to negotiate prices for expensive medical procedures. Find out what the going rate is for a host of medical services by visiting Healthcare Blue Book (www.HealthcareBlueBook.com). This strategy is especially helpful for people who have high deductible health insurance plans, Health Savings Accounts (HSAs), are uninsured, or who to visit an out-of-network medical provider.
Let’s hope that if we make it clear to young people that finding health insurance has never been easier, we’ll begin to see more people step up and get covered.
Select Insurance Group Insurance Agency of St. Peters, MO
A Dependable St Peters Auto Insurance Company can Keep You Insured in a Tough Economy
During these difficult times, everyone’s looking for ways to save money. Most people can find a few areas of their budget where they can cut back on spending, but unless you plan to give up driving, you can’t just drop your auto insurance. Driving without auto insurance isn’t a solution. If you’re in an accident, you’ll have no coverage for injuries or vehicle repairs. And if you’re liable for the accident, you’ll be dealing with some serious issues. Talk with your St Peters auto insurance company before you ever decide to drop your coverage.
Auto insurance is meant to protect you if you are ever involved in an accident. If you’re ever hurt in an accident or need your car repaired after a collision, auto insurance is there to help you out. If you are at fault for the accident, your auto insurance will cover you. Obviously, driving without auto insurance is not a wise choice, even if you think it might save you some money. Not only does auto insurance protect you, it’s also required by law. To find realistic ways to save on your premiums contact a qualified auto insurance agent.
The St Peters Auto Insurance Carrier: Helping You Determine the Right Coverage
If you’re having problems with your budget, now’s the time to discuss your insurance coverage with your St Peters auto insurance carrier. You still have options when it comes to keeping your auto insurance coverage and protecting yourself. Be aware that no two drivers are exactly the same, and what might be ok for one person might not be alright in your case. By spending a little time with a qualified St Peters auto insurance agent, you can find a few places where you can save.
Begin by figuring out exactly how much coverage you are required to have. There is a certain amount of insurance that is required by law. Property damage and bodily injury are mandatory, but the minimums required by law do not provide adequate coverage. A lawsuit could put your home and personal property in jeopardy if you are found to be responsible for an accident where the other person’s damages or injuries exceed the amount of your coverage. To get help determining the amount of coverage that’s right for you, contact your St Peters auto insurance company.
Saving Money with a Knowledgeable St Peters Auto Insurance Company
Once you figure out how much insurance you need, you can then go over your policy with your St Peters auto insurance company to see if there is anything you can eliminate to save a little cash. If you have rental car coverage, do you really need it? It could be costing you extra if your policy includes the cost of a car rental in case of an accident. If you know you can get by without a rental car, you can probably get rid of this added expense on your policy. Of course, this depends on your personal circumstances. Talk with your St Peters auto insurance company to find out what things you can remove from your coverage and still be safely insured.
Do you drive an older vehicle? It may be possible to do without collision if you’re driving an older car. Your annual insurance rates could be costing you more than the value of your car if it’s valued at less than a thousand dollars. Additionally, an older vehicle is usually cheaper to repair. Remember this option only applies to collision coverage. You still have to have the basic bodily injury and liability required by law. To see if the age of your vehicle justifies dropping collision, talk with a reputable St Peters auto insurance agent.
Call a qualified St Peters auto insurance company to ask about the option of taking a higher deductible. Your deductible is what you must pay to cover damages before the insurance company will pay for the rest. Taking a higher deductible is one of the easiest methods of saving money on your premiums. A higher deductible can mean substantial savings. If you ever do need to make a claim, you’ll want to have the money available for that higher deductible.
The St Peters Auto Insurance Company: Working for You
A knowledgeable St Peters auto insurance agent may be able to help you find some discounts that could save you considerable money. Buying more than one insurance policy from the same carrier could mean a discount. Look into getting all your coverage from one insurer and you could save some cash. Buying your homeowners’ coverage and auto insurance from the same agent is a good example of this. A St Peters auto insurance agent can tell you if this will work for you.
Other discounts might be available if you talk to your St Peters auto insurance agent. Are you a low mileage driver? If you’re a low-mileage driver, ask about discounts. There’s less chance of accident if you don’t drive much. Are you a senior driver? There may be a discount for senior drivers. Senior drivers tend to safe drivers. Consider enrolling in a driver’s safety course. You can improve your driving and save some cash on your insurance by taking one of these refresher courses. A knowledgeable St Peters auto insurance agent can tell you what discounts they may have available for you.
You shouldn’t go without the essential things in life because your budget is tight. If you take your car out on the road, you need auto insurance coverage. The savings you’re thinking you’ll gain is not worth taking the chance of driving without auto insurance. A reliable St Peters auto insurance company can help you find the answers you need. While every driver is different, there are still things you can consider. If you’re feeling the squeeze of a tight budget, call your St Peters auto insurance agent. He or she will work hard to help you maintain your auto insurance coverage and save money whereever possible.
During these difficult times, everyone’s looking for ways to save money. Most people can find a few areas of their budget where they can cut back on spending, but unless you plan to give up driving, you can’t just drop your auto insurance. Driving without auto insurance isn’t a solution. If you’re in an accident, you’ll have no coverage for injuries or vehicle repairs. And if you’re liable for the accident, you’ll be dealing with some serious issues. Talk with your St Peters auto insurance company before you ever decide to drop your coverage.
Auto insurance is meant to protect you if you are ever involved in an accident. If you’re ever hurt in an accident or need your car repaired after a collision, auto insurance is there to help you out. If you are at fault for the accident, your auto insurance will cover you. Obviously, driving without auto insurance is not a wise choice, even if you think it might save you some money. Not only does auto insurance protect you, it’s also required by law. To find realistic ways to save on your premiums contact a qualified auto insurance agent.
The St Peters Auto Insurance Carrier: Helping You Determine the Right Coverage
If you’re having problems with your budget, now’s the time to discuss your insurance coverage with your St Peters auto insurance carrier. You still have options when it comes to keeping your auto insurance coverage and protecting yourself. Be aware that no two drivers are exactly the same, and what might be ok for one person might not be alright in your case. By spending a little time with a qualified St Peters auto insurance agent, you can find a few places where you can save.
Begin by figuring out exactly how much coverage you are required to have. There is a certain amount of insurance that is required by law. Property damage and bodily injury are mandatory, but the minimums required by law do not provide adequate coverage. A lawsuit could put your home and personal property in jeopardy if you are found to be responsible for an accident where the other person’s damages or injuries exceed the amount of your coverage. To get help determining the amount of coverage that’s right for you, contact your St Peters auto insurance company.
Saving Money with a Knowledgeable St Peters Auto Insurance Company
Once you figure out how much insurance you need, you can then go over your policy with your St Peters auto insurance company to see if there is anything you can eliminate to save a little cash. If you have rental car coverage, do you really need it? It could be costing you extra if your policy includes the cost of a car rental in case of an accident. If you know you can get by without a rental car, you can probably get rid of this added expense on your policy. Of course, this depends on your personal circumstances. Talk with your St Peters auto insurance company to find out what things you can remove from your coverage and still be safely insured.
Do you drive an older vehicle? It may be possible to do without collision if you’re driving an older car. Your annual insurance rates could be costing you more than the value of your car if it’s valued at less than a thousand dollars. Additionally, an older vehicle is usually cheaper to repair. Remember this option only applies to collision coverage. You still have to have the basic bodily injury and liability required by law. To see if the age of your vehicle justifies dropping collision, talk with a reputable St Peters auto insurance agent.
Call a qualified St Peters auto insurance company to ask about the option of taking a higher deductible. Your deductible is what you must pay to cover damages before the insurance company will pay for the rest. Taking a higher deductible is one of the easiest methods of saving money on your premiums. A higher deductible can mean substantial savings. If you ever do need to make a claim, you’ll want to have the money available for that higher deductible.
The St Peters Auto Insurance Company: Working for You
A knowledgeable St Peters auto insurance agent may be able to help you find some discounts that could save you considerable money. Buying more than one insurance policy from the same carrier could mean a discount. Look into getting all your coverage from one insurer and you could save some cash. Buying your homeowners’ coverage and auto insurance from the same agent is a good example of this. A St Peters auto insurance agent can tell you if this will work for you.
Other discounts might be available if you talk to your St Peters auto insurance agent. Are you a low mileage driver? If you’re a low-mileage driver, ask about discounts. There’s less chance of accident if you don’t drive much. Are you a senior driver? There may be a discount for senior drivers. Senior drivers tend to safe drivers. Consider enrolling in a driver’s safety course. You can improve your driving and save some cash on your insurance by taking one of these refresher courses. A knowledgeable St Peters auto insurance agent can tell you what discounts they may have available for you.
You shouldn’t go without the essential things in life because your budget is tight. If you take your car out on the road, you need auto insurance coverage. The savings you’re thinking you’ll gain is not worth taking the chance of driving without auto insurance. A reliable St Peters auto insurance company can help you find the answers you need. While every driver is different, there are still things you can consider. If you’re feeling the squeeze of a tight budget, call your St Peters auto insurance agent. He or she will work hard to help you maintain your auto insurance coverage and save money whereever possible.
Saint Peters Homeowners Insurance
•Missouri ranks 23 out of 50 states for low home insurance rates, so expect to pay an average of $726 each year for homeowners insurance in Saint Peters.
•You can save money when buying home insurance in Saint Peters by comparing insurance rates from multiple Missouri insurance companies. Take advantage of multi-policy discounts, maintain a good credit score and raise your deductible to lower the annual cost of home insurance.
GET A QUOTE NOW BY CLICKING HERE
•You can save money when buying home insurance in Saint Peters by comparing insurance rates from multiple Missouri insurance companies. Take advantage of multi-policy discounts, maintain a good credit score and raise your deductible to lower the annual cost of home insurance.
GET A QUOTE NOW BY CLICKING HERE
Saint Peters Car Insurance
•Missouri car insurance rates average $766 a year with liability insurance costing $370, collision coverage costing $252, and comprehensive coverage costing $144.
•Missouri ranks 37 out of 50 states for car insurance rates. Saint Peters auto insurance rates may be higher or lower than the Missouri average depending on factors such as your driving history, the type of vehicle you drive and the rates of vehicle theft in Saint Peters.
GET A QUOTE NOW!
•Missouri ranks 37 out of 50 states for car insurance rates. Saint Peters auto insurance rates may be higher or lower than the Missouri average depending on factors such as your driving history, the type of vehicle you drive and the rates of vehicle theft in Saint Peters.
GET A QUOTE NOW!
Health Insurance In Missouri
Employer sponsored health insurance plans make up 54% of Missouri residents health insurance coverage. 5% purchase health insurance from a private plan. 14% of residents are on MediCare and 13% of Missouri residents are on MediCaid.
•13% of Missouri residents are uninsured. Don't let your family be part of this statistic. Get free health insurance quotes now!
•13% of Missouri residents are uninsured. Don't let your family be part of this statistic. Get free health insurance quotes now!
Thursday, June 9, 2011
Guaranteed Issue missouri Health Insurance
What is a Guaranteed Issue Health Insurance policy? What does it cover?
There are many people who do not qualify for health insurance because they have pre-existing health conditions (cancer, diabetes, heart conditions, depression, etc.) that disqualify them. Even if a person with one of the conditions listed above qualifies for a health insurance policy, treatment related to his/her pre-existing condition may not be covered in the policy. A guaranteed issue health policy will offer comprehensive health insurance coverage to people in such a predicament.
Some guaranteed issue health insurance policies have an initial period where coverage related to your pre-existing condition is not part of the package. Some policies require a one year waiting period until your pre-existing condition is covered.
Guaranteed issue health insurance policies cover many aspects of medical attention, including inpatient, outpatient, doctor visits, and hospital visits.
Some guaranteed issue policies require that you are employed, but others waive that qualification.
Most guaranteed issue policies are also guaranteed renewable.
Who needs a Guaranteed Issue Health Insurance policy?
This type of policy offers coverage to people who do not typically qualify for health insurance. People with pre-existing health issues (heart disease, cancer, etc.) will find a guaranteed issue health insurance policy helpful.
Who is usually ineligible for Guaranteed Issue Health Insurance policies?
Almost everyone qualifies for this health insurance policy; that’s the beauty of a guaranteed issue policy. People who usually don’t qualify for a health insurance policy because of pre-existing conditions (heart disease, etc.) will most likely qualify for a guaranteed issue health insurance policy.
How much does a Guaranteed Issue Health Insurance Policy cost in relation to other health insurance products?
This product usually comes in a variety of price brackets. Some companies offer it as a deductible program, and others offer it as a co-pay program.
What are some alternatives to Guaranteed Issue Health Insurance?
If you have a pre-existing health condition, there aren’t too many alternative health insurance policies. The main alternative we suggest is this: if you are healthy, buy a health insurance policy. You will be glad you did if you fall seriously ill. Remember, even if you purchase a guaranteed issue policy after you fall ill, coverage for your illness may not kick in until a year later.
There are many people who do not qualify for health insurance because they have pre-existing health conditions (cancer, diabetes, heart conditions, depression, etc.) that disqualify them. Even if a person with one of the conditions listed above qualifies for a health insurance policy, treatment related to his/her pre-existing condition may not be covered in the policy. A guaranteed issue health policy will offer comprehensive health insurance coverage to people in such a predicament.
Some guaranteed issue health insurance policies have an initial period where coverage related to your pre-existing condition is not part of the package. Some policies require a one year waiting period until your pre-existing condition is covered.
Guaranteed issue health insurance policies cover many aspects of medical attention, including inpatient, outpatient, doctor visits, and hospital visits.
Some guaranteed issue policies require that you are employed, but others waive that qualification.
Most guaranteed issue policies are also guaranteed renewable.
Who needs a Guaranteed Issue Health Insurance policy?
This type of policy offers coverage to people who do not typically qualify for health insurance. People with pre-existing health issues (heart disease, cancer, etc.) will find a guaranteed issue health insurance policy helpful.
Who is usually ineligible for Guaranteed Issue Health Insurance policies?
Almost everyone qualifies for this health insurance policy; that’s the beauty of a guaranteed issue policy. People who usually don’t qualify for a health insurance policy because of pre-existing conditions (heart disease, etc.) will most likely qualify for a guaranteed issue health insurance policy.
How much does a Guaranteed Issue Health Insurance Policy cost in relation to other health insurance products?
This product usually comes in a variety of price brackets. Some companies offer it as a deductible program, and others offer it as a co-pay program.
What are some alternatives to Guaranteed Issue Health Insurance?
If you have a pre-existing health condition, there aren’t too many alternative health insurance policies. The main alternative we suggest is this: if you are healthy, buy a health insurance policy. You will be glad you did if you fall seriously ill. Remember, even if you purchase a guaranteed issue policy after you fall ill, coverage for your illness may not kick in until a year later.
Obtaining missouri Health Insurance Coverage with Preexisting Conditions
Preexisting Conditions and Health Insurance
Preexisting condition is a term with which many insurers and insured individuals are familiar. This type of condition relates to a medical issue which was present prior to one obtaining their health insurance policy. There are often negative connotations associated with the term preexisting condition as it is something which may prevent you from obtaining health insurance coverage or make it more likely that you will pay a costly premium when coverage is obtained. However, those who are interested in obtaining health insurance coverage and do in fact have a preexisting condition will feel better in knowing that there are insurers who will provide them with coverage although there may be certain restrictions. Click for quote
Types of Preexisting Conditions
There are various forms of preexisting conditions. Some of the more common ones include pregnancy, obesity, arthritis, diabetes, depression and fibromyalgia. Each individual insurance company will compile their own list of preexisting conditions and have their own standards when it comes to providing insurance coverage for those who are stricken with these conditions. Get in touch with a licensed agent to see what your health plan options are.
Frequently health insurance companies will require new insureds to undergo a waiting period before having their preexisting conditions covered under the health insurance policy. Many insurance companies which offer individual health insurance policies require a waiting period of 12-18 months before they will pay medical bills related to preexisting conditions. The good news is that there are certain protections allotted to those with preexisting medical conditions. Under HIPAA, the Health Insurance Portability and Accountability Act. you are entitled to have your preexisting medical condition treatments paid for by the new company. Under this act, those who have previously been insured under a group health insurance plan and are obtaining a new type of health insurance may be able to have their preexisting conditions covered so long as they meet certain criteria.
It is important to note that HIPAA relates to individuals who have been previously insured under a group health plan and not an individual health insurance policy. With that said, should you fall into this category, take advantage of HIPAA when switching from a group policy to another group policy. This will prevent you from having to pay for costly insurance due to a preexisting condition or having a hard time obtaining health insurance altogether.
Alternative Health Coverage Options
There are also other alternatives for those with preexisting conditions who are looking to obtain individual health insurance. To learn more about health insurance options for preexisting conditions, ask for a health plan quote today. We'll put you in touch with a friendly and professional agent who can answer your questions.
Preexisting condition is a term with which many insurers and insured individuals are familiar. This type of condition relates to a medical issue which was present prior to one obtaining their health insurance policy. There are often negative connotations associated with the term preexisting condition as it is something which may prevent you from obtaining health insurance coverage or make it more likely that you will pay a costly premium when coverage is obtained. However, those who are interested in obtaining health insurance coverage and do in fact have a preexisting condition will feel better in knowing that there are insurers who will provide them with coverage although there may be certain restrictions. Click for quote
Types of Preexisting Conditions
There are various forms of preexisting conditions. Some of the more common ones include pregnancy, obesity, arthritis, diabetes, depression and fibromyalgia. Each individual insurance company will compile their own list of preexisting conditions and have their own standards when it comes to providing insurance coverage for those who are stricken with these conditions. Get in touch with a licensed agent to see what your health plan options are.
Frequently health insurance companies will require new insureds to undergo a waiting period before having their preexisting conditions covered under the health insurance policy. Many insurance companies which offer individual health insurance policies require a waiting period of 12-18 months before they will pay medical bills related to preexisting conditions. The good news is that there are certain protections allotted to those with preexisting medical conditions. Under HIPAA, the Health Insurance Portability and Accountability Act. you are entitled to have your preexisting medical condition treatments paid for by the new company. Under this act, those who have previously been insured under a group health insurance plan and are obtaining a new type of health insurance may be able to have their preexisting conditions covered so long as they meet certain criteria.
It is important to note that HIPAA relates to individuals who have been previously insured under a group health plan and not an individual health insurance policy. With that said, should you fall into this category, take advantage of HIPAA when switching from a group policy to another group policy. This will prevent you from having to pay for costly insurance due to a preexisting condition or having a hard time obtaining health insurance altogether.
Alternative Health Coverage Options
There are also other alternatives for those with preexisting conditions who are looking to obtain individual health insurance. To learn more about health insurance options for preexisting conditions, ask for a health plan quote today. We'll put you in touch with a friendly and professional agent who can answer your questions.
affordable missouri student health insurance- free quotes!
About Student Health Insurance Coverage
Students need to get access to health care and know where to obtain it. Both a family health plan and an individual student health insurance plan are able to provide coverage for students. Since many carriers offer lower rates for full-time students, it is a good idea to check rates from several companies in order to obtain the most affordable coverage possible. Even if you are a part-time student, you may be eligible for multiple health insurance discounts.
Quotes from Top Student Health Insurance Carriers
Our service gets you connected to the top student health insurance carriers in the country and let's you choose the one that best fits your needs and budget. In addition to online health insurance quotes, you may receive quotes direct from agents from top companies.
Student Health Insurance Articles and Resources
In order to find the most affordable student health insurance available, you need to not only compare quotes from multiple carriers, but you also need to understand your options. If you are in college, you may find that your educational institution offers some sort of discounted health insurance for students. Alternatively, you may find that it may be more affordable to remain on your parents' health insurance plan when you go to college. Of course, there can be a number of complications with this, especially if you are attending a school in a different state.
click here for an online student health insurance quote
Students need to get access to health care and know where to obtain it. Both a family health plan and an individual student health insurance plan are able to provide coverage for students. Since many carriers offer lower rates for full-time students, it is a good idea to check rates from several companies in order to obtain the most affordable coverage possible. Even if you are a part-time student, you may be eligible for multiple health insurance discounts.
Quotes from Top Student Health Insurance Carriers
Our service gets you connected to the top student health insurance carriers in the country and let's you choose the one that best fits your needs and budget. In addition to online health insurance quotes, you may receive quotes direct from agents from top companies.
Student Health Insurance Articles and Resources
In order to find the most affordable student health insurance available, you need to not only compare quotes from multiple carriers, but you also need to understand your options. If you are in college, you may find that your educational institution offers some sort of discounted health insurance for students. Alternatively, you may find that it may be more affordable to remain on your parents' health insurance plan when you go to college. Of course, there can be a number of complications with this, especially if you are attending a school in a different state.
click here for an online student health insurance quote
GMAC insurance discounts
GMAC Insurance offers a wide range of SmartDiscounts that can help lower your st charles auto insurance premium. When you get a quote online or call
1-855-GET-SELECT (438-7353) Ext 101, we can help you determine which discounts you qualify for and how much you can save.
Customers who switch to GMAC Insurance save an average of $442 per year, and you could save even more through SmartDiscounts like:
•GM/GMAC Customer Discounts for using other GM/GMAC products and services. Qualify for a discount if you drive a GM vehicle, have a GM Card, GMAC Mortgage, GMAC Auto Financing, or an active OnStar® subscription.
•Paid-in-Full Discount that reduces your premium when you pay up front and in full.
•Multi-Vehicle Discount that saves you money when you insure more than one vehicle with us.
•GM Loyalty Discount if all vehicles on your policy are GM vehicles.
•Safe-Driver Discounts for completing a defensive driving course (in certain states) or having OnStar.
•RVs and Autos on One Convenient Policy which can earn you a multi-vehicle discount of up to 20%. And if your RV and auto are ever involved in the same covered accident, you’ll only be responsible for one deductible, not both!
•Motorcycle Discounts including safe-rider and multi-cycle discounts.
•OnStar Subscriber Discount that can save you 10 to 20% on select coverages just by having an active OnStar subscription.1
•Low Mileage Discount available to OnStar subscribers who drive less than 15,000 miles a year. The less you drive, the more you can save – up to 54%!2
•GM Family First Discounts for active and retired employees of GM, GMAC and other subsidiaries and their Extended Family Members, including spouses, children, stepchildren, grandchildren, step grandchildren, grandparents (including in-law and step), parents, stepparents, siblings (including full, half & step), mother/father-in law, sons/daughters-in law, brothers/sisters-in-law and same-sex domestic partners.
•Affinity Discounts for members and supporters of a wide variety of organizations.
•GM Supplier Discount for employees of businesses that work with General Motors. You’d be surprised how many companies qualify.
And of course, we have built-in savings for having a safe-driving history, anti-theft and safety devices, and much more.
1-855-GET-SELECT (438-7353) Ext 101, we can help you determine which discounts you qualify for and how much you can save.
Customers who switch to GMAC Insurance save an average of $442 per year, and you could save even more through SmartDiscounts like:
•GM/GMAC Customer Discounts for using other GM/GMAC products and services. Qualify for a discount if you drive a GM vehicle, have a GM Card, GMAC Mortgage, GMAC Auto Financing, or an active OnStar® subscription.
•Paid-in-Full Discount that reduces your premium when you pay up front and in full.
•Multi-Vehicle Discount that saves you money when you insure more than one vehicle with us.
•GM Loyalty Discount if all vehicles on your policy are GM vehicles.
•Safe-Driver Discounts for completing a defensive driving course (in certain states) or having OnStar.
•RVs and Autos on One Convenient Policy which can earn you a multi-vehicle discount of up to 20%. And if your RV and auto are ever involved in the same covered accident, you’ll only be responsible for one deductible, not both!
•Motorcycle Discounts including safe-rider and multi-cycle discounts.
•OnStar Subscriber Discount that can save you 10 to 20% on select coverages just by having an active OnStar subscription.1
•Low Mileage Discount available to OnStar subscribers who drive less than 15,000 miles a year. The less you drive, the more you can save – up to 54%!2
•GM Family First Discounts for active and retired employees of GM, GMAC and other subsidiaries and their Extended Family Members, including spouses, children, stepchildren, grandchildren, step grandchildren, grandparents (including in-law and step), parents, stepparents, siblings (including full, half & step), mother/father-in law, sons/daughters-in law, brothers/sisters-in-law and same-sex domestic partners.
•Affinity Discounts for members and supporters of a wide variety of organizations.
•GM Supplier Discount for employees of businesses that work with General Motors. You’d be surprised how many companies qualify.
And of course, we have built-in savings for having a safe-driving history, anti-theft and safety devices, and much more.
discounted st charles insurance rates for veterans and active military
Congratulations - you're in the military - and discounted st charles auto insurance is one of the many perks of military service you count on.
According to a major insurance carrier, if you are on active duty, retired from the military, or a member of the National Guard or Reserves, you may be eligible for a discount of up to 15 percent on your total insurance premium.
Some military auto insurance discounts are also extended to members of professional military associations and organizations, including: Air Force Association, Fleet Reserve Association, Navy Federal Credit Union, Marine Corps League, Association of the United States Army, Air Force Sergeants Association, National Military Family Association, Pentagon Federal Credit Union, U.S. Coast Guard Chief Petty Officers Association.
Quite frankly, many auto insurers offer discount military auto insurance as a way of showing their appreciation for those who serve in the armed forces. Take advantage and say "you're welcome" by getting the best rates on your military auto insurance.
TYPES OF COVERAGE
st charles Auto insurance is a necessity - and for you in the military, deep discounts are readily available. Still, many military people buy their auto insurance purchase policies before understanding what coverage they really need. Even with your military auto insurance discount, your premiums can vary by as much as 300 percent.
ST CHARLES AUTO INSURANCE CHECKLIST
You're all set to purchase your st charles auto insurance, at the military discount you're entitled to. Now you want to make the process fast and easy. Bring a current copy of your driver's license, vehicle registration, and vehicle identification number. And know what type of insurance coverage you want to move the process along faster.
ST CHARLES MO MILITARY RATE DISCOUNTS
While the cost of living in the United States has been rising, your military pay and benefits may have not kept up. The good news is that discounted st charles auto insurance is available to all those currently in or retired from the military.
go to our website for your FREE veteran and active military insurance quotes or call us at 1-855-GET-SELECT (438-7353) Ext 101 today!
According to a major insurance carrier, if you are on active duty, retired from the military, or a member of the National Guard or Reserves, you may be eligible for a discount of up to 15 percent on your total insurance premium.
Some military auto insurance discounts are also extended to members of professional military associations and organizations, including: Air Force Association, Fleet Reserve Association, Navy Federal Credit Union, Marine Corps League, Association of the United States Army, Air Force Sergeants Association, National Military Family Association, Pentagon Federal Credit Union, U.S. Coast Guard Chief Petty Officers Association.
Quite frankly, many auto insurers offer discount military auto insurance as a way of showing their appreciation for those who serve in the armed forces. Take advantage and say "you're welcome" by getting the best rates on your military auto insurance.
TYPES OF COVERAGE
st charles Auto insurance is a necessity - and for you in the military, deep discounts are readily available. Still, many military people buy their auto insurance purchase policies before understanding what coverage they really need. Even with your military auto insurance discount, your premiums can vary by as much as 300 percent.
ST CHARLES AUTO INSURANCE CHECKLIST
You're all set to purchase your st charles auto insurance, at the military discount you're entitled to. Now you want to make the process fast and easy. Bring a current copy of your driver's license, vehicle registration, and vehicle identification number. And know what type of insurance coverage you want to move the process along faster.
ST CHARLES MO MILITARY RATE DISCOUNTS
While the cost of living in the United States has been rising, your military pay and benefits may have not kept up. The good news is that discounted st charles auto insurance is available to all those currently in or retired from the military.
go to our website for your FREE veteran and active military insurance quotes or call us at 1-855-GET-SELECT (438-7353) Ext 101 today!
st charles mo Auto Insurance For Active And Retired Military
Among many other benefits, being in the military means access to less expensive auto insurance policies that civilians do not have. After all, you have committed to serving your country and deserve thanks for all you have done. If you are on active duty, or have served in the military at one time, you do not want to go to a traditional auto insurance company. Instead, you should consider one of the various companies that cater to military personnel both active and retired.
Explore all the benefits and perks you can get with your st charles military auto insurance by going to our website and running a quote. One of our licensed st charles military auto insurance agents is ready to assist you by calling 1-855-GET-SELECT (438-7353) Ext 101
Explore all the benefits and perks you can get with your st charles military auto insurance by going to our website and running a quote. One of our licensed st charles military auto insurance agents is ready to assist you by calling 1-855-GET-SELECT (438-7353) Ext 101
Wednesday, June 8, 2011
st charles mo affordable health insurance
Greater St. Louis has comparatively low health insurance costs, especially when compared with other large metropolitan areas. The St. Louis, MO-IL MSA ranked as having the least expensive premiums for single coverage out of the 20 largest metropolitan areas in the U.S. in 2009 and the 6th least in single coverage contributions. The St. Louis, MO-IL MSA ranked 4th least expensive employee-plus-one premiums and as the 5th least expensive total premiums for family coverage. Data on average employee contributions and total premiums for private-sector establishments were collected by the U.S. Agency for Healthcare Research and Quality.(3)
This data documents businesses’ relatively low costs to provide health care insurance coverage to employees in Greater St. Louis. The St. Louis, MO-IL MSA had the 6th highest percent of establishments offering employee health insurance (61.2%) and the highest percentage of employees enrolling in the health insurance offered by their establishment (67.8%) out of the 20 largest metropolitan areas in the U.S. in 2009.(4)
This data documents businesses’ relatively low costs to provide health care insurance coverage to employees in Greater St. Louis. The St. Louis, MO-IL MSA had the 6th highest percent of establishments offering employee health insurance (61.2%) and the highest percentage of employees enrolling in the health insurance offered by their establishment (67.8%) out of the 20 largest metropolitan areas in the U.S. in 2009.(4)
3 Health Insurance Mistakes to Avoid
A cut-rate policy could cost you more in the long run.
Whether you're perusing your employer's open-season packet or weighing your options after getting a pink slip, you may be facing some critical decisions about health coverage. Avoid these three common pitfalls.
Focusing on premiums alone.
A higher-premium policy with low co-payments could be a better deal than a lower-premium policy. For example, if your doctor is out of network, how much will you pay for each visit? And how many of the medications you take are brand-name drugs? Many insurers are now charging coinsurance rather than fixed co-pays for generic, brand-name and specialty drugs. Your cost for a specialty drug could be as high as 38% of the cost of the medication. So if you take expensive medicines, you may end up paying hundreds of dollars more a year. Your best bet, if you can find it, may be a policy that still charges co-pays for out-of-network visits and prescription drugs.
Skimping on coverage limits.
One of the costliest mistakes you can make is to buy a policy with inadequate coverage. These policies may look attractive because they have low premiums and deductibles. But a maximum benefit of as little as $50,000 to $100,000 per accident or illness could leave you with tens of thousands of dollars in out-of-pocket expenses. Also beware of policies with long lists of exclusions and low dollar limits for each type of procedure.
A better way to lower your premiums is to buy a high-deductible policy with a coverage limit of at least $1 million ($3 million or $5 million would be even better). If you buy a policy with a deductible of at least $1,150 for single coverage or $2,300 for family coverage in 2009, you can also make tax-deductible contributions to a health savings account and use the money tax-free for medical expenses in any year.
Ignoring alternatives to COBRA.
If you lose your job, you may sign up for coverage under COBRA, the federal law that lets you keep health insurance under your former employer's plan for up to 18 months. The economic-stimulus plan provides a 65% subsidy for COBRA premiums for up to nine months for people who are laid off between September 1, 2008, and December 31, 2009. But after the subsidy ends, you'll pay full freight. The average employer policy costs $4,700 a year for individuals and $12,600 for families
for more information on st charles health insurance, contact select insurance group at 1-855-GET-SELECT (438-7353) Ext 101 today!
Whether you're perusing your employer's open-season packet or weighing your options after getting a pink slip, you may be facing some critical decisions about health coverage. Avoid these three common pitfalls.
Focusing on premiums alone.
A higher-premium policy with low co-payments could be a better deal than a lower-premium policy. For example, if your doctor is out of network, how much will you pay for each visit? And how many of the medications you take are brand-name drugs? Many insurers are now charging coinsurance rather than fixed co-pays for generic, brand-name and specialty drugs. Your cost for a specialty drug could be as high as 38% of the cost of the medication. So if you take expensive medicines, you may end up paying hundreds of dollars more a year. Your best bet, if you can find it, may be a policy that still charges co-pays for out-of-network visits and prescription drugs.
Skimping on coverage limits.
One of the costliest mistakes you can make is to buy a policy with inadequate coverage. These policies may look attractive because they have low premiums and deductibles. But a maximum benefit of as little as $50,000 to $100,000 per accident or illness could leave you with tens of thousands of dollars in out-of-pocket expenses. Also beware of policies with long lists of exclusions and low dollar limits for each type of procedure.
A better way to lower your premiums is to buy a high-deductible policy with a coverage limit of at least $1 million ($3 million or $5 million would be even better). If you buy a policy with a deductible of at least $1,150 for single coverage or $2,300 for family coverage in 2009, you can also make tax-deductible contributions to a health savings account and use the money tax-free for medical expenses in any year.
Ignoring alternatives to COBRA.
If you lose your job, you may sign up for coverage under COBRA, the federal law that lets you keep health insurance under your former employer's plan for up to 18 months. The economic-stimulus plan provides a 65% subsidy for COBRA premiums for up to nine months for people who are laid off between September 1, 2008, and December 31, 2009. But after the subsidy ends, you'll pay full freight. The average employer policy costs $4,700 a year for individuals and $12,600 for families
for more information on st charles health insurance, contact select insurance group at 1-855-GET-SELECT (438-7353) Ext 101 today!
warren county mobile home insurance
warren county Mobile Home Insurance
American Hallmark by Select Insurance Group is one of the nation's leading insurer of warren county mobile homes. Why? We specialize — that sets our policy apart and makes the difference for you and the coverage you receive.
We aren't the only warren county insurance agency selling warren county mobile home insurance today. That's why we're committed to doing a better job than the competition. It all starts with your policy. We've constantly refined our companies to give you more specialized coverages. And with over a decade of experience in insuring mobile homes, you can rest assured knowing your warrenton mobile home policy gets you access to the nation's most experienced team of mobile home experts.
So go ahead, relax. Leave the insurance to us.
Get a mobile home insurance quote. About the coverages described on this site: Your insurance contract is contained only in your policy, not in this Web site. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is not used or a factor in the underwriting decision. The coverages described on this page apply if you use your mobile home as a residence. They do not apply to rental and commercial use. *Coverage may not be available in all areas.
call us at 1-855-GET-SELECT Ext 101 today!
American Hallmark by Select Insurance Group is one of the nation's leading insurer of warren county mobile homes. Why? We specialize — that sets our policy apart and makes the difference for you and the coverage you receive.
We aren't the only warren county insurance agency selling warren county mobile home insurance today. That's why we're committed to doing a better job than the competition. It all starts with your policy. We've constantly refined our companies to give you more specialized coverages. And with over a decade of experience in insuring mobile homes, you can rest assured knowing your warrenton mobile home policy gets you access to the nation's most experienced team of mobile home experts.
So go ahead, relax. Leave the insurance to us.
Get a mobile home insurance quote. About the coverages described on this site: Your insurance contract is contained only in your policy, not in this Web site. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is not used or a factor in the underwriting decision. The coverages described on this page apply if you use your mobile home as a residence. They do not apply to rental and commercial use. *Coverage may not be available in all areas.
call us at 1-855-GET-SELECT Ext 101 today!
Monday, June 6, 2011
Insurance Discounts for military personal
Insurance companies offer people the peace of mind of being able to cover accidental expenses that show up in life. Insurance is the process by which a group of people pay premiums to cover future expenses caused by natural disasters or unexpected losses. Insurance coverage can be found in just about every area of life. Areas in health, home and auto, business, flood, and even pets have insurance available to cover them. Insurance companies compete for business by having the lower premiums for any given insurance policy. To help lure people to buy their policies they offer various discounts for people to enjoy. Discounts can come in the form of having multiple policies with the same carrier, being a good driver, being over a certain age, carrying a higher deductible, and even living in a certain kind of home. One discount that not many people know about is the military personnel discount.
The military discount is given to any person who has served in the armed forces. People who are active, retired, serve in the guard, or are on the reserved list are eligible for this discount. Companies like Unitrin Specialty insurance company gives a discount off the entire premium. In order to obtain the discount the buyer needs to ask what needs to be provided in order to take advantage of the discount. The insurance carrier may ask for proof that the buyer was or is in the service. The individual carriers will specify what qualifies for proof of service before the discount can be given.
Another benefit for military personnel is what is called Emergency Deployment Coverage Discount. One carrier that offers this type of discount gives it to personnel that are called into an area that puts them into imminent danger pay areas. These areas of danger are declared by Congress or the Department of Defense. This type of discount will have to be proved by providing order papers and the vehicle has to be stored in an approved storage protection plan described by the insurance carrier.
Insurance discounts for Veterans are available for those who ask. Sometimes the carrier will not mention the discount because it does not apply to everyone who comes in the door.
The military discount is given to any person who has served in the armed forces. People who are active, retired, serve in the guard, or are on the reserved list are eligible for this discount. Companies like Unitrin Specialty insurance company gives a discount off the entire premium. In order to obtain the discount the buyer needs to ask what needs to be provided in order to take advantage of the discount. The insurance carrier may ask for proof that the buyer was or is in the service. The individual carriers will specify what qualifies for proof of service before the discount can be given.
Another benefit for military personnel is what is called Emergency Deployment Coverage Discount. One carrier that offers this type of discount gives it to personnel that are called into an area that puts them into imminent danger pay areas. These areas of danger are declared by Congress or the Department of Defense. This type of discount will have to be proved by providing order papers and the vehicle has to be stored in an approved storage protection plan described by the insurance carrier.
Insurance discounts for Veterans are available for those who ask. Sometimes the carrier will not mention the discount because it does not apply to everyone who comes in the door.
Five Insurance Assumptions You Don't Want to Make
Be ready for anything. Expect the unexpected. Those phrases may sound like lessons from basic training, but they apply just as well to property insurance coverage. And at least one recent study shows that Americans aren’t as prepared as they should be to prevent a financial disaster.
A 2007 survey by the National Association of Insurance Commissioners (NAIC) found that a large percentage of U.S. homeowners are unclear about what their insurance actually covers. Most standard homeowners insurance policies protect against a wide range of losses, but not every scenario is claim-worthy. In fact, some causes of severe home damage are typically not covered. Even when insurance does pay, how much you’re reimbursed depends on the type of coverage you have. By skipping over the details and assuming you’re fully protected, you may be leaving yourself open to a financial catastrophe.
Here are five of the most commonly misunderstood areas about homeowners insurance. Take a few minutes to review your policy and assess your risk. In most cases, buying more complete coverage adds relatively little to your overall insurance costs, and could save you a massive expense down the road.
Flooding Fiascos
According to the NAIC study, about a third of all U.S. homeowners mistakenly believe their insurance covers flood damage. That widespread misunderstanding was never more apparent than when thousands of homeowners along the Gulf Coast (including some servicemembers at a major Air Base in Mississippi) were devastated by flooding from Hurricane Katrina.
In areas especially prone to floods, mortgage lenders may require homeowners to purchase flood coverage through the National Flood Insurance Program. But that doesn’t mean you should dismiss the possibility of flooding if you live in a lower-risk area. Floods can happen anywhere.
Unusually heavy rains, snowmelt, and even failures of manmade infrastructure can cause flooding in otherwise arid environments. The disaster in a small Northern Nevada town in the early days of 2008 is a perfect example. When a levee holding in an irrigation canal ruptured, floodwaters displaced more than 1,000 families and caused millions of dollars of damage to homes. Due to the area’s desert climate, most homeowners in the Nevada town did not carry flood insurance, leaving them to cover their own losses. You can purchase NFIP coverage through your insurance company representative. Policies are available in three forms: dwelling (most homes), general property (apartments and businesses) and condominiums.
Startling Sewer Stench
If there’s anything worse than having floodwaters drench your floors, it’s having raw sewage invade your home. It can happen when the community sewer system backs up due to overuse or failing infrastructure. Since the origin of this ghastly incident is outside the home, it’s not usually covered by the standard insurance policy.
While the likelihood of a sewer backup is higher in older neighborhoods with outdated infrastructure, backups have been known to occur in new communities as well. When it does happen, the cleanup process can be messy, difficult and expensive.
The good news is that it’s easy to protect against this loss with additional coverage from your current insurance provider. The coverage is inexpensive, usually just $20-$40 per year.
Mold Taking Hold
Mold in the home is another pesky intruder that’s commonly misunderstood by homeowners. It’s often an after-effect of major water damage, but mold can also grow inconspicuously in any place moisture is high – near leaky pipes, neglected roofing or air conditioners, even as a result of a humid climate. Again, the cleanup and associated expenses are usually not covered by standard homeowners insurance policies.
Supplemental mold insurance is available in a small number of states, but the best defense against mold is prevention.
Select Insurance Group recommends taking proactive steps to prevent water damage from happening in the first place. Keep an eye out for damp walls or carpets; repair water leaks promptly; replace rubber washing machine hoses with steel braded hoses; and turn off water and drain pipes when leaving home for an extended time. Finally, if you’re stationed near the coast or in an especially humid area, consider purchasing a dehumidifier to reduce the level of moisture in your home.
Quaking in Your Boots
California holds the distinction of being America’s most populous state, and counts a large contingent of military personnel among its residents. It’s also the earthquake capital of the nation. Yet about 35 percent of the people NAIC surveyed didn’t know that their normal homeowners insurance doesn’t cover earthquake damage.
Like flood insurance, earthquake insurance can be purchased separately. But even in the most vulnerable areas, coverage is optional. California operates its own statewide program, the California Earthquake Authority, while in other states supplemental policies are available through some private insurers.
Californians may be the most at risk, but earthquakes have been reported in all 50 states are threats (by scientific standards) in Oregon and Washington, as well as along the New Madrid seismic zone including Missouri, Tennessee, Arkansas and Mississippi.
Payout Puzzlement
Just as important as understanding what your insurance covers is knowing how you’re covered. That is, how (and how much) will the insurance company reimburse you for a covered claim? In this regard, there are two primary types of homeowners policies. One pays the full “replacement cost” of your property; the other pays only “actual cash value,” or what the property is worth after depreciation.
Imagine that you paid $2,000 for a big-screen TV, which was destroyed in a storm several years later. With replacement cost coverage, the insurer would pay for you to buy a new $2,000 TV. But with cash value coverage, you’d only receive what the TV was worth today, which would be much less.
“Nw consider if the storm damage extended to items throughout your entire home – the difference in your claim settlement could be enormous. Most major insurance companies include replacement cost coverage in their standard homeowners policies. However, cash value coverage is still available as a way to reduce your premiums. Make sure you know what you’re getting.
No matter where you live or what your budget, it pays to remember that not all insurance policies are the same. If you’re shopping for a good deal, always read the fine print to compare apples to apples. By assessing your risk and obtaining adequate coverage, you’ll be one step closer to true financial readiness.
A 2007 survey by the National Association of Insurance Commissioners (NAIC) found that a large percentage of U.S. homeowners are unclear about what their insurance actually covers. Most standard homeowners insurance policies protect against a wide range of losses, but not every scenario is claim-worthy. In fact, some causes of severe home damage are typically not covered. Even when insurance does pay, how much you’re reimbursed depends on the type of coverage you have. By skipping over the details and assuming you’re fully protected, you may be leaving yourself open to a financial catastrophe.
Here are five of the most commonly misunderstood areas about homeowners insurance. Take a few minutes to review your policy and assess your risk. In most cases, buying more complete coverage adds relatively little to your overall insurance costs, and could save you a massive expense down the road.
Flooding Fiascos
According to the NAIC study, about a third of all U.S. homeowners mistakenly believe their insurance covers flood damage. That widespread misunderstanding was never more apparent than when thousands of homeowners along the Gulf Coast (including some servicemembers at a major Air Base in Mississippi) were devastated by flooding from Hurricane Katrina.
In areas especially prone to floods, mortgage lenders may require homeowners to purchase flood coverage through the National Flood Insurance Program. But that doesn’t mean you should dismiss the possibility of flooding if you live in a lower-risk area. Floods can happen anywhere.
Unusually heavy rains, snowmelt, and even failures of manmade infrastructure can cause flooding in otherwise arid environments. The disaster in a small Northern Nevada town in the early days of 2008 is a perfect example. When a levee holding in an irrigation canal ruptured, floodwaters displaced more than 1,000 families and caused millions of dollars of damage to homes. Due to the area’s desert climate, most homeowners in the Nevada town did not carry flood insurance, leaving them to cover their own losses. You can purchase NFIP coverage through your insurance company representative. Policies are available in three forms: dwelling (most homes), general property (apartments and businesses) and condominiums.
Startling Sewer Stench
If there’s anything worse than having floodwaters drench your floors, it’s having raw sewage invade your home. It can happen when the community sewer system backs up due to overuse or failing infrastructure. Since the origin of this ghastly incident is outside the home, it’s not usually covered by the standard insurance policy.
While the likelihood of a sewer backup is higher in older neighborhoods with outdated infrastructure, backups have been known to occur in new communities as well. When it does happen, the cleanup process can be messy, difficult and expensive.
The good news is that it’s easy to protect against this loss with additional coverage from your current insurance provider. The coverage is inexpensive, usually just $20-$40 per year.
Mold Taking Hold
Mold in the home is another pesky intruder that’s commonly misunderstood by homeowners. It’s often an after-effect of major water damage, but mold can also grow inconspicuously in any place moisture is high – near leaky pipes, neglected roofing or air conditioners, even as a result of a humid climate. Again, the cleanup and associated expenses are usually not covered by standard homeowners insurance policies.
Supplemental mold insurance is available in a small number of states, but the best defense against mold is prevention.
Select Insurance Group recommends taking proactive steps to prevent water damage from happening in the first place. Keep an eye out for damp walls or carpets; repair water leaks promptly; replace rubber washing machine hoses with steel braded hoses; and turn off water and drain pipes when leaving home for an extended time. Finally, if you’re stationed near the coast or in an especially humid area, consider purchasing a dehumidifier to reduce the level of moisture in your home.
Quaking in Your Boots
California holds the distinction of being America’s most populous state, and counts a large contingent of military personnel among its residents. It’s also the earthquake capital of the nation. Yet about 35 percent of the people NAIC surveyed didn’t know that their normal homeowners insurance doesn’t cover earthquake damage.
Like flood insurance, earthquake insurance can be purchased separately. But even in the most vulnerable areas, coverage is optional. California operates its own statewide program, the California Earthquake Authority, while in other states supplemental policies are available through some private insurers.
Californians may be the most at risk, but earthquakes have been reported in all 50 states are threats (by scientific standards) in Oregon and Washington, as well as along the New Madrid seismic zone including Missouri, Tennessee, Arkansas and Mississippi.
Payout Puzzlement
Just as important as understanding what your insurance covers is knowing how you’re covered. That is, how (and how much) will the insurance company reimburse you for a covered claim? In this regard, there are two primary types of homeowners policies. One pays the full “replacement cost” of your property; the other pays only “actual cash value,” or what the property is worth after depreciation.
Imagine that you paid $2,000 for a big-screen TV, which was destroyed in a storm several years later. With replacement cost coverage, the insurer would pay for you to buy a new $2,000 TV. But with cash value coverage, you’d only receive what the TV was worth today, which would be much less.
“Nw consider if the storm damage extended to items throughout your entire home – the difference in your claim settlement could be enormous. Most major insurance companies include replacement cost coverage in their standard homeowners policies. However, cash value coverage is still available as a way to reduce your premiums. Make sure you know what you’re getting.
No matter where you live or what your budget, it pays to remember that not all insurance policies are the same. If you’re shopping for a good deal, always read the fine print to compare apples to apples. By assessing your risk and obtaining adequate coverage, you’ll be one step closer to true financial readiness.
supplemental st louis health insurance for military men and women
If you receive medical care outside the military system, and you don't have any other health insurance (or a supplemental policy) to help pay your cost-shares or co-payments, you'll be facing out-of-pocket expenses. Even though TRICARE pays a generous share of the cost of civilian medical bills, your share of the cost might be substantial, depending on whether you use TRICARE Standard (formerly known as CHAMPUS) or choose one of the other TRICARE health care options (Prime or Extra).
TRICARE supplemental insurance policies are offered by most military associations - like the Fleet Reserve Association, the American Legion, and the Military Officers Association of America - and by some private firms. They are designed to reimburse patients for the civilian medical care bills they must pay after TRICARE pays the government's share of the cost. Before you buy any supplement, carefully consider which plan is best suited to your individual needs.
Each TRICARE supplemental policy has its own rules concerning acceptance for pre-existing conditions, eligibility requirements for the family, deductibles, mental health limitations, long-term illness, well-baby care, care provided to persons with disabilities, claims under the diagnosis-related group (DRG) payment system for inpatient hospital charges, and rules concerning allowable charges.
Ask these questions when shopping for TRICARE/CHAMPUS supplements:
1. Must you meet a deductible before the plan begins paying?
2. Is there a maximum limit on benefits (lifetime, annual, etc.)?
3. Is there a pre-existing condition clause? Is there a waiting period before the policy will pay for pre-existing conditions?
4. Will the plan cover amounts beyond what TRICARE allows?
5. Does the plan pay for services that aren't covered by TRICARE?
6. Does the plan specifically not cover other conditions?
7. Must certain kinds of care be approved before getting the care?
8. Is inpatient care covered? Outpatient care? Long-term care?
9. Will the plan pay the TRICARE outpatient deductible?
10. Will the plan pay the patient's cost-share under the TRICARE diagnosis-related group (DRG) payment system?
11. Will the plan cover the TRICARE Prime enrollment fees or co-payments?
12. Does the plan offer reduced premiums or premium adjustments when you participate in Department of Defense contracted managed health care plans, such as TRICARE Prime or TRICARE Extra?
13. Does the plan convert to a Medicare supplement? If so, must it be in force as a TRICARE supplement for any specified length of time before conversion?
14. Will the plan cover you overseas? If you are overseas, you may not incur any disallowed charges under TRICARE Standard, because TRICARE Standard pays charges as billed overseas.
15. How will the plan require premium payments? Monthly? Quarterly? Can you use a credit card to charge the premiums?
16. Can premium payments be increased? Under what conditions?
17. Does the plan offer rates based on military status (active or retired), or based on an age scale? What is the scale?
18. What are the membership fees (annual, lifetime, etc.), if any, when you join the organization that sponsors the plan?
19. Does the plan cover the service member when he/she retires?
20. Does coverage continue for surviving spouses at no charge?
21. What are the time limitations, if any, for claim filing?
22. Are you a smoker? Does the plan have higher rates for smokers?
23. If you're retired military and have a health care plan (which pays before TRICARE) through a civilian job, do you still need a TRICARE supplement if, between them, your employer's plan and the TRICARE health care option you've chosen will pay most or all of your civilian medical bills?
TRICARE supplemental insurance policies are offered by most military associations - like the Fleet Reserve Association, the American Legion, and the Military Officers Association of America - and by some private firms. They are designed to reimburse patients for the civilian medical care bills they must pay after TRICARE pays the government's share of the cost. Before you buy any supplement, carefully consider which plan is best suited to your individual needs.
Each TRICARE supplemental policy has its own rules concerning acceptance for pre-existing conditions, eligibility requirements for the family, deductibles, mental health limitations, long-term illness, well-baby care, care provided to persons with disabilities, claims under the diagnosis-related group (DRG) payment system for inpatient hospital charges, and rules concerning allowable charges.
Ask these questions when shopping for TRICARE/CHAMPUS supplements:
1. Must you meet a deductible before the plan begins paying?
2. Is there a maximum limit on benefits (lifetime, annual, etc.)?
3. Is there a pre-existing condition clause? Is there a waiting period before the policy will pay for pre-existing conditions?
4. Will the plan cover amounts beyond what TRICARE allows?
5. Does the plan pay for services that aren't covered by TRICARE?
6. Does the plan specifically not cover other conditions?
7. Must certain kinds of care be approved before getting the care?
8. Is inpatient care covered? Outpatient care? Long-term care?
9. Will the plan pay the TRICARE outpatient deductible?
10. Will the plan pay the patient's cost-share under the TRICARE diagnosis-related group (DRG) payment system?
11. Will the plan cover the TRICARE Prime enrollment fees or co-payments?
12. Does the plan offer reduced premiums or premium adjustments when you participate in Department of Defense contracted managed health care plans, such as TRICARE Prime or TRICARE Extra?
13. Does the plan convert to a Medicare supplement? If so, must it be in force as a TRICARE supplement for any specified length of time before conversion?
14. Will the plan cover you overseas? If you are overseas, you may not incur any disallowed charges under TRICARE Standard, because TRICARE Standard pays charges as billed overseas.
15. How will the plan require premium payments? Monthly? Quarterly? Can you use a credit card to charge the premiums?
16. Can premium payments be increased? Under what conditions?
17. Does the plan offer rates based on military status (active or retired), or based on an age scale? What is the scale?
18. What are the membership fees (annual, lifetime, etc.), if any, when you join the organization that sponsors the plan?
19. Does the plan cover the service member when he/she retires?
20. Does coverage continue for surviving spouses at no charge?
21. What are the time limitations, if any, for claim filing?
22. Are you a smoker? Does the plan have higher rates for smokers?
23. If you're retired military and have a health care plan (which pays before TRICARE) through a civilian job, do you still need a TRICARE supplement if, between them, your employer's plan and the TRICARE health care option you've chosen will pay most or all of your civilian medical bills?
st louis home insurance for military families
Before you leave on a military deployment, check your policy renewal date and payment terms with your agent to ensure your coverage will remain in effect during deployment. If necessary, you may be able to renew a policy early or have your premiums paid by automated bank draft. Some insurance companies might also allow you to suspend certain coverage while you are deployed.
To help members of the military better understand their insurance needs, the National Association of Insurance Commissioners offers tips and considerations regarding auto, home, health and life insurance
Special Considerations for Members of the Military
Many homeowners policies have a “vacancy clause” that may be triggered if you are deployed for an extended period of time and your family has moved to a new location. Such policies might not pay claims if your house is vacant for 60 days or more. A house is considered vacant if there are no occupants and it is unfurnished, while a house is considered unoccupied when it is furnished, but there are no occupants. Some companies offer an endorsement that specifically allows coverage for your house to continue, even if it is vacant for an extended period of time. Consult with your insurance company to learn how it defines “vacancy” and whether the claims for a vacant house will be paid.
It is a good idea to review your homeowners policy with your agent before you leave for military duty. Doing so could help you avoid a dispute in the future. Also make sure your policy limits are sufficient to cover your home and your personal property at today’s costs. Consider increasing your coverage if you have made additions or improvements to your property.
While homeowners and renters insurance policies typically cover personal property that you take with you while traveling, most policies exclude damages caused directly or indirectly by acts of war. The military generally will not pay to repair or replace property that is damaged or lost in military housing or in a war zone. Talk to your agent about whether personal items that you take with you during your deployment will be covered if they are lost, stolen or damaged
To help members of the military better understand their insurance needs, the National Association of Insurance Commissioners offers tips and considerations regarding auto, home, health and life insurance
Special Considerations for Members of the Military
Many homeowners policies have a “vacancy clause” that may be triggered if you are deployed for an extended period of time and your family has moved to a new location. Such policies might not pay claims if your house is vacant for 60 days or more. A house is considered vacant if there are no occupants and it is unfurnished, while a house is considered unoccupied when it is furnished, but there are no occupants. Some companies offer an endorsement that specifically allows coverage for your house to continue, even if it is vacant for an extended period of time. Consult with your insurance company to learn how it defines “vacancy” and whether the claims for a vacant house will be paid.
It is a good idea to review your homeowners policy with your agent before you leave for military duty. Doing so could help you avoid a dispute in the future. Also make sure your policy limits are sufficient to cover your home and your personal property at today’s costs. Consider increasing your coverage if you have made additions or improvements to your property.
While homeowners and renters insurance policies typically cover personal property that you take with you while traveling, most policies exclude damages caused directly or indirectly by acts of war. The military generally will not pay to repair or replace property that is damaged or lost in military housing or in a war zone. Talk to your agent about whether personal items that you take with you during your deployment will be covered if they are lost, stolen or damaged
life changes may signify insurance policy updates
Oftentimes homeowners and drivers will file their policy documents away (or worse, throw them in the trash) and pay them little mind until it comes time to pay the renewal premium. As a home, auto or health insurance policyholder this is one of the biggest mistakes you can make if you want to ensure you are adequately covered at all times.
As life changes occur, it’s always a good idea to think about how this may affect your insurance policies. For example, do you have a new driver living in your house? Better add them to your auto policy. Have you remodeled or upgraded part of your home? You’ll probably want to make sure your dwelling coverage provides for this. Do you have a new baby on the way? It’s a good idea to check your maternity hospital coverage.
Experts often agree that reviewing your policy every 6 months or so is recommended. This will help you catch any issues with your coverage that may have come up since your last renewal. Don’t hesitate to call your insurance agent if you have any questions about what is covered and what’s not. It’s better to be informed than to find out the hard way!
As life changes occur, it’s always a good idea to think about how this may affect your insurance policies. For example, do you have a new driver living in your house? Better add them to your auto policy. Have you remodeled or upgraded part of your home? You’ll probably want to make sure your dwelling coverage provides for this. Do you have a new baby on the way? It’s a good idea to check your maternity hospital coverage.
Experts often agree that reviewing your policy every 6 months or so is recommended. This will help you catch any issues with your coverage that may have come up since your last renewal. Don’t hesitate to call your insurance agent if you have any questions about what is covered and what’s not. It’s better to be informed than to find out the hard way!
Knocking Down st charles Car Insurance Quotes For Your Teen
If you haven't been through it, you might as well prepare yourself for it now than later; pretty soon, your teen will be driving. And you will need cheap st charles car insurance quotes, since rates are high among teen drivers. It is therefore your job, as well as your teen, to find the best coverage that you can possibly afford, since statistics prove that they are far more likely to become involved in an accident.
Finding st charles auto insurance is tedious, but once you and your teen find coverage, you will find these tips to reducing auto insurance premiums for teens beneficial:
As soon as your teenager receives their driver’s license, they will begin to cause you even more anxiety. Not only will you worry every time they get behind the wheel, you will also worry about how much more you will need to pay in st charles auto insurance premiums with a teenager on the policy. It is true that teen drivers cause large increases in insurance premiums, which is directly related to increases in risks taken on by the insurance company—teens are statistically more likely to get in an accident that results in an auto insurance claim than are other age groups. That's why it's important to ge the best rates possible, by comparing car insurance quotes.
So this means you don't have to worry about locking up your teen until he or she is 25 years old (car insurance agents say this is the golden rate decrease age). What it does mean is that you need to make yourself aware of ways in which you can minimize the additional costs of getting auto insurance for your teen driver. Some helpful tips are included here, to help you do just that. To compare teen driver car insurance quotes now, simply fill out our online form and compare up to five offers.
While you may be tempted to keep your teen as far away from your own auto insurance policy as possible, chances are it will be more expensive to secure auto insurance for your teen on a separate auto insurance policy than it would be to put them on your own auto insurance policy. There are a number of things you (and your teen) can do to keep costs down. To verify specifically how your own auto insurance policy works in regard to teenage drivers, contact your agent.
Keep the grades up: Most auto insurance companies grant a “good student” discount for teen drivers who maintain a “B” average or better. Find out if your child can qualify for this discount. It offers a way for them to help allay your st charles auto insurance costs and an incentive for them to succeed at school and on the road.
Set a good example: Your teen driver has been watching you drive since they were a young child. Modeling your own safe-driving habits will encourage your child to follow suit. Also, discuss the dangers of driving recklessly, with distracting passengers—or cell phones—and driving while intoxicated. If you are responsible in these areas, you will help your child model this behavior.
Consider an older, used car: If your auto insurance provider assigns specific drivers to specific vehicles (some do and some do not), you might want to consider purchasing a less expensive, used vehicle for your teen to drive. Since teens are the most expensive drivers to cover, keeping your teen from driving the family’s most expensive vehicles may reduce your premiums.
st charles Driver’s education: Many auto insurance providers will also offer a discount to teen drivers that pass a driver’s education course.
These are some basic, simple ways to keep the auto insurance costs for your teenage driver down. There are other ways as well. For example, most auto insurance policy owners know that higher deductibles reduce premiums. This savings technique increases in value when teen drivers are part of the equation. Raising deductibles can become a very effective way to keep your auto insurance premiums down. In addition, if your teen leaves home for college, you may be able to drop them from your st charles auto insurance policy; however, this means they cannot drive a vehicle—at school or at home. This option may or may not be practical. Additionally, you may want to consider shopping around for another auto insurance company. Looking at how different auto insurance companies cover teen drivers may allow you to find the most cost-effective solution, even if it means changing companies.
Consider utilizing these tips to keep your st charles auto insurance premium costs down while insuring your teen driver. Also, ask your auto insurance agent if they have any other suggestions for reducing costs. Most of all, continue to keep the lines of communication open with your teenager. They need to recognize the serious financial and physical risks that come with a valid driver’s license. By including them in the decision-making process (and even in the bill-paying process) they may benefit from learning about the serious ramifications of adding a teen driver to an auto insurance policy. In the end, this may help your teen driver become a more responsible driver and to take their new role more seriously. To save the most money, we recommend filling out a teen driver auto insurance quote or call us at 1-855-GET-SELECT (438-7353) Ext 101
Finding st charles auto insurance is tedious, but once you and your teen find coverage, you will find these tips to reducing auto insurance premiums for teens beneficial:
As soon as your teenager receives their driver’s license, they will begin to cause you even more anxiety. Not only will you worry every time they get behind the wheel, you will also worry about how much more you will need to pay in st charles auto insurance premiums with a teenager on the policy. It is true that teen drivers cause large increases in insurance premiums, which is directly related to increases in risks taken on by the insurance company—teens are statistically more likely to get in an accident that results in an auto insurance claim than are other age groups. That's why it's important to ge the best rates possible, by comparing car insurance quotes.
So this means you don't have to worry about locking up your teen until he or she is 25 years old (car insurance agents say this is the golden rate decrease age). What it does mean is that you need to make yourself aware of ways in which you can minimize the additional costs of getting auto insurance for your teen driver. Some helpful tips are included here, to help you do just that. To compare teen driver car insurance quotes now, simply fill out our online form and compare up to five offers.
While you may be tempted to keep your teen as far away from your own auto insurance policy as possible, chances are it will be more expensive to secure auto insurance for your teen on a separate auto insurance policy than it would be to put them on your own auto insurance policy. There are a number of things you (and your teen) can do to keep costs down. To verify specifically how your own auto insurance policy works in regard to teenage drivers, contact your agent.
Keep the grades up: Most auto insurance companies grant a “good student” discount for teen drivers who maintain a “B” average or better. Find out if your child can qualify for this discount. It offers a way for them to help allay your st charles auto insurance costs and an incentive for them to succeed at school and on the road.
Set a good example: Your teen driver has been watching you drive since they were a young child. Modeling your own safe-driving habits will encourage your child to follow suit. Also, discuss the dangers of driving recklessly, with distracting passengers—or cell phones—and driving while intoxicated. If you are responsible in these areas, you will help your child model this behavior.
Consider an older, used car: If your auto insurance provider assigns specific drivers to specific vehicles (some do and some do not), you might want to consider purchasing a less expensive, used vehicle for your teen to drive. Since teens are the most expensive drivers to cover, keeping your teen from driving the family’s most expensive vehicles may reduce your premiums.
st charles Driver’s education: Many auto insurance providers will also offer a discount to teen drivers that pass a driver’s education course.
These are some basic, simple ways to keep the auto insurance costs for your teenage driver down. There are other ways as well. For example, most auto insurance policy owners know that higher deductibles reduce premiums. This savings technique increases in value when teen drivers are part of the equation. Raising deductibles can become a very effective way to keep your auto insurance premiums down. In addition, if your teen leaves home for college, you may be able to drop them from your st charles auto insurance policy; however, this means they cannot drive a vehicle—at school or at home. This option may or may not be practical. Additionally, you may want to consider shopping around for another auto insurance company. Looking at how different auto insurance companies cover teen drivers may allow you to find the most cost-effective solution, even if it means changing companies.
Consider utilizing these tips to keep your st charles auto insurance premium costs down while insuring your teen driver. Also, ask your auto insurance agent if they have any other suggestions for reducing costs. Most of all, continue to keep the lines of communication open with your teenager. They need to recognize the serious financial and physical risks that come with a valid driver’s license. By including them in the decision-making process (and even in the bill-paying process) they may benefit from learning about the serious ramifications of adding a teen driver to an auto insurance policy. In the end, this may help your teen driver become a more responsible driver and to take their new role more seriously. To save the most money, we recommend filling out a teen driver auto insurance quote or call us at 1-855-GET-SELECT (438-7353) Ext 101
Sunday, June 5, 2011
LICENSED insurance agents wanted!
Are you interested in joining our team?
Select Insurance Group ™offers the ambitious individual an opportunity to earn substantial income, often $50,000 or more during his/her first year.
If you can envision yourself earning this kind of income and enjoying the lifestyle it can provide you and your family, then you owe it to yourself to contact us now.
Career opportunities for the self employed are available to motivated, career-oriented men and women alike. Contact us at 636-410-6219 or fill out your application online.
If you are already a licensed life, health, property and casualty insurance agent, and have been struggling with how to make a living in insurance sales; Select Insurance Group ™ is the right place for you! Select Insurance Group ™is a full service Insurance Brokerage agency specializing in Promoting the "new agent".
We are committed to providing agents with: TOP COMMISSIONS, EXCLUSIVE LEAD PROGRAMS, AND AUTOMATED SALES SYSTEMS TO MAXIMIZE THE AGENTS EARNING POTENTIAL.
I have a proven lead generation system that will allow you to sell insurance right from your office over the phone. No more driving around spending money on gas and time away from your office.
Our insurance leads are exclusive and sent in “real-time”, and are not sold to any other agent. This system, which is part of Select Insurance Group ™ "Select agent system", is one-of-a-kind. It is the sole reason for our success. Fill out our agent application online to learn more.
Select Insurance Group ™offers the ambitious individual an opportunity to earn substantial income, often $50,000 or more during his/her first year.
If you can envision yourself earning this kind of income and enjoying the lifestyle it can provide you and your family, then you owe it to yourself to contact us now.
Career opportunities for the self employed are available to motivated, career-oriented men and women alike. Contact us at 636-410-6219 or fill out your application online.
If you are already a licensed life, health, property and casualty insurance agent, and have been struggling with how to make a living in insurance sales; Select Insurance Group ™ is the right place for you! Select Insurance Group ™is a full service Insurance Brokerage agency specializing in Promoting the "new agent".
We are committed to providing agents with: TOP COMMISSIONS, EXCLUSIVE LEAD PROGRAMS, AND AUTOMATED SALES SYSTEMS TO MAXIMIZE THE AGENTS EARNING POTENTIAL.
I have a proven lead generation system that will allow you to sell insurance right from your office over the phone. No more driving around spending money on gas and time away from your office.
Our insurance leads are exclusive and sent in “real-time”, and are not sold to any other agent. This system, which is part of Select Insurance Group ™ "Select agent system", is one-of-a-kind. It is the sole reason for our success. Fill out our agent application online to learn more.
affordable st charles health insurance access plans
Regardless of the benefit level you choose, your Assurant Health Access plan will help you pay for care when you're healthy, sick or injured. You pay no deductible, and your plan's network discounts and benefit payments begin right away.
When you receive eligible services, your Assurant Health Access plan will pay a fixed benefit (set cash amount) to you or your health care provider. Fixed benefit amounts are not the same as copays. You may have an amount left to pay after your plan pays the fixed benefits.
Here are two examples showing how different plan levels bring you benefits to keep you healthy.
call me at 1-855-GET-SELECT (438-7353) for your st charles affordable health access plan insurance quote. or apply direct online by clicking HERE
When you receive eligible services, your Assurant Health Access plan will pay a fixed benefit (set cash amount) to you or your health care provider. Fixed benefit amounts are not the same as copays. You may have an amount left to pay after your plan pays the fixed benefits.
Here are two examples showing how different plan levels bring you benefits to keep you healthy.
call me at 1-855-GET-SELECT (438-7353) for your st charles affordable health access plan insurance quote. or apply direct online by clicking HERE
Saint Charles MO SR22 Auto Insurance
An SR-22 Filing is a document or electronic certification issued by an auto insurance company that verifies to the state that you have an auto insurance policy with the state minimum liability limits. If you are required to maintain this filing, you will be notified by the state.
An SR-22 is a financial responsibility certification that is sometimes required for high risk auto insurance customers by the state Department of Motor Vehicles or Public Safety after you have been involved in an accident with no auto insurance, or if an accident is due to excessive driving violations on your part.
Select Insurance Group can help you:
•Obtain the proper documentation
•Purchase an affordable st charles mo auto insurance policy
•Get back out on the road
How long are SR-22 Filings Required?
This can vary by state and by severity of the offense. The typical requirement is three years. If you cancel your policy prior to the termination date, the Insurance Company is obligated to file an SR-26 notifying the state that you no longer have insurance.
SR-22 Filings from The General
We provide SR-22 Filings in most states. Simply indicate that an SR-22 Filing is needed while getting your free quote. The SR-22 insurance form will be included with your policy documents after you have applied for and purchased your auto insurance policy online. You can literally have your SR-22 form in a matter of minutes.
call 1-855-GET-SELECT (438-7353) today for your FREE St. Charles sr22 auto insurance quote.
An SR-22 is a financial responsibility certification that is sometimes required for high risk auto insurance customers by the state Department of Motor Vehicles or Public Safety after you have been involved in an accident with no auto insurance, or if an accident is due to excessive driving violations on your part.
Select Insurance Group can help you:
•Obtain the proper documentation
•Purchase an affordable st charles mo auto insurance policy
•Get back out on the road
How long are SR-22 Filings Required?
This can vary by state and by severity of the offense. The typical requirement is three years. If you cancel your policy prior to the termination date, the Insurance Company is obligated to file an SR-26 notifying the state that you no longer have insurance.
SR-22 Filings from The General
We provide SR-22 Filings in most states. Simply indicate that an SR-22 Filing is needed while getting your free quote. The SR-22 insurance form will be included with your policy documents after you have applied for and purchased your auto insurance policy online. You can literally have your SR-22 form in a matter of minutes.
call 1-855-GET-SELECT (438-7353) today for your FREE St. Charles sr22 auto insurance quote.
Saturday, June 4, 2011
New Home? Time to Review Your Auto Insurance
Which insurance products should I consider when buying a new home?
Homeowners Insurance : A necessity for a new home.
Auto Insurance: Protect your new home from liability claims.
How does buying a home impact your auto insurance needs?
Now that you have bought a house, you own a very valuable asset. As a result, you'll want to protect it. If you are ever involved in an automobile accident that results in injury to other people and/or property, all of your assets, including your house, can be subject to liability claims. Claims that exceed your liability coverage can come out of your assets. When you buy a home, you should reevaluate the liability limits on your automobile insurance policy to make sure that you have adequate liability coverage to protect your home.
Do I need to change my auto insurance coverage limits?
Liability claims arising from automobile accidents can result in the loss of your new home and/or other assets. You have more assets to protect now, and you may have others who rely on you. If you have kept your car insured with only the state minimums in the past, you may want to increase your coverage now to protect what you have.
Just because you have the mandated minimum amount of liability coverage doesn't mean that you can't be sued for more than that amount if you are in an accident. Review periodically to make sure that all of your assets are protected in the event of an accident.
Why should I shop around for homeowners insurance?
A new home means a whole new set of factors on which your rate is based. Get a quote from your current company and shop around for home insurance with other companies as well. You can decide which rate and company best meet your needs.
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Homeowners Insurance : A necessity for a new home.
Auto Insurance: Protect your new home from liability claims.
How does buying a home impact your auto insurance needs?
Now that you have bought a house, you own a very valuable asset. As a result, you'll want to protect it. If you are ever involved in an automobile accident that results in injury to other people and/or property, all of your assets, including your house, can be subject to liability claims. Claims that exceed your liability coverage can come out of your assets. When you buy a home, you should reevaluate the liability limits on your automobile insurance policy to make sure that you have adequate liability coverage to protect your home.
Do I need to change my auto insurance coverage limits?
Liability claims arising from automobile accidents can result in the loss of your new home and/or other assets. You have more assets to protect now, and you may have others who rely on you. If you have kept your car insured with only the state minimums in the past, you may want to increase your coverage now to protect what you have.
Just because you have the mandated minimum amount of liability coverage doesn't mean that you can't be sued for more than that amount if you are in an accident. Review periodically to make sure that all of your assets are protected in the event of an accident.
Why should I shop around for homeowners insurance?
A new home means a whole new set of factors on which your rate is based. Get a quote from your current company and shop around for home insurance with other companies as well. You can decide which rate and company best meet your needs.
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competetive st charles mo new homeowners insurance rates
Your House Buying Checklist
One of the most important things you can do is to make a checklist as you search for, find and buy a home. By keeping on top of your game-plan at all times you will greatly increase your chances of success. To save time, bookmark this page and refer to the following checklist frequently. Follow the links, print out this checklist and let it increase your house buying effectiveness. The market for buying a home has changed immeasurably in the last couple of years so the preparation that you do for your house purchase is essential.
House Buying Checklist
Be an informed buyer. There are over 200 pages of information here as well as links to much more information. Numerous guides are available on specific subjects. Our Bookstore has additional recommended reading. Gather as much information as you can. Want to keep yourself up-to-date on the Real Estate market and the latest in news related to home buying? Subscrbe to our free newsletter and visit the What's New page on this web site.
Buying your first home? See the page devoted to first time home buying.
Familiarize yourself with the mortgage process. Have mortgage questions? Need a few mortgage tips? See the sections devoted to those subjects.
Get Pre-Approved before you look for a home and shop with the power of a cash buyer. A good source for pre-approval is LendingTree Mortgage Loans. Getting pre-approved helps to smooth the entire home buying process.
Get your financial picture in focus as soon as possible. Since it is an important component, be aware of your credit situation. You can get a free copy of your credit score at FreeCreditScore. Having your credit picture in hand makes it much easier to decide which way to proceed. More information.
The best time to work on your budget is before you move. Want to maximize your financial picture? See the section devoted to budget hints.
Wondering about how much time is needed to buy a home? See the sample homebuying timeline.
Find an Agent that you trust. It is important to do this before you go rushing off looking for homes or you may end up with no representation. See the Agency and Buyer Agent pages for important discussions regarding "who represents who." Looking to find an Agent? Click here to choose an Agent in your area. You can compare backgrounds, experience and more. Thinking about doing it on your own? See the section on buying on your own for hints and tips.
Determine your housing needs and wants to determine what types of houses you should be considering.
Familiarize yourself with the various types of housing available: Single family, townhouse, and condo.
If you are planning on buying or building a new home, see our section devoted to building a house including house building tips, resources and how to find a contractor.
Have general questions about buying a home? See the questions homebuyers ask page.
Still have a question about a Real Estate term or its definition? See our Real Estate Glossary. A question on a mortgage term? See the Mortgage Glossary.
House Hunting Time! First, see the article devoted to finding the right home. Then, make a scorecard for each house to help you keep track of the properties you've seen.
Familiarize yourself with how to set a value on a house. This can save you a great deal of time and helps to avoid disappointment.
When you find an acceptable house, write an offer. Familiarize yourself with how offers become contracts. Need examples of offers and contracts available for your state? See FIndLegalForms.com
Negotiate your best deal using the information you have acquired.
If you haven't already done so, make a mortgage loan request.
Arrange for home inspection. Protect yourself and do not skip this step! All of the work that you have done up to this point may be wasted if you do not thoroughly investigate the home.
Learn about home warranties and what they cover.
Compare and secure homeowners insurance. Since homeowners insurance is a long term expense, getting the best deal here brings savings that continue.
Arrange for closing agent or attorney. Make all final preparations for closing.
Make moving plans. If you plan to use a moving company, make comparisons and reserve time now.
Secure final loan approval and commitment from the lending institution. If you have done your "up-front" work, this should be one of your easiest steps.
Do a final walk through of the house.
Final closing and settlement.
Move to your new home and begin enjoying it--you deserve it!
One of the most important things you can do is to make a checklist as you search for, find and buy a home. By keeping on top of your game-plan at all times you will greatly increase your chances of success. To save time, bookmark this page and refer to the following checklist frequently. Follow the links, print out this checklist and let it increase your house buying effectiveness. The market for buying a home has changed immeasurably in the last couple of years so the preparation that you do for your house purchase is essential.
House Buying Checklist
Be an informed buyer. There are over 200 pages of information here as well as links to much more information. Numerous guides are available on specific subjects. Our Bookstore has additional recommended reading. Gather as much information as you can. Want to keep yourself up-to-date on the Real Estate market and the latest in news related to home buying? Subscrbe to our free newsletter and visit the What's New page on this web site.
Buying your first home? See the page devoted to first time home buying.
Familiarize yourself with the mortgage process. Have mortgage questions? Need a few mortgage tips? See the sections devoted to those subjects.
Get Pre-Approved before you look for a home and shop with the power of a cash buyer. A good source for pre-approval is LendingTree Mortgage Loans. Getting pre-approved helps to smooth the entire home buying process.
Get your financial picture in focus as soon as possible. Since it is an important component, be aware of your credit situation. You can get a free copy of your credit score at FreeCreditScore. Having your credit picture in hand makes it much easier to decide which way to proceed. More information.
The best time to work on your budget is before you move. Want to maximize your financial picture? See the section devoted to budget hints.
Wondering about how much time is needed to buy a home? See the sample homebuying timeline.
Find an Agent that you trust. It is important to do this before you go rushing off looking for homes or you may end up with no representation. See the Agency and Buyer Agent pages for important discussions regarding "who represents who." Looking to find an Agent? Click here to choose an Agent in your area. You can compare backgrounds, experience and more. Thinking about doing it on your own? See the section on buying on your own for hints and tips.
Determine your housing needs and wants to determine what types of houses you should be considering.
Familiarize yourself with the various types of housing available: Single family, townhouse, and condo.
If you are planning on buying or building a new home, see our section devoted to building a house including house building tips, resources and how to find a contractor.
Have general questions about buying a home? See the questions homebuyers ask page.
Still have a question about a Real Estate term or its definition? See our Real Estate Glossary. A question on a mortgage term? See the Mortgage Glossary.
House Hunting Time! First, see the article devoted to finding the right home. Then, make a scorecard for each house to help you keep track of the properties you've seen.
Familiarize yourself with how to set a value on a house. This can save you a great deal of time and helps to avoid disappointment.
When you find an acceptable house, write an offer. Familiarize yourself with how offers become contracts. Need examples of offers and contracts available for your state? See FIndLegalForms.com
Negotiate your best deal using the information you have acquired.
If you haven't already done so, make a mortgage loan request.
Arrange for home inspection. Protect yourself and do not skip this step! All of the work that you have done up to this point may be wasted if you do not thoroughly investigate the home.
Learn about home warranties and what they cover.
Compare and secure homeowners insurance. Since homeowners insurance is a long term expense, getting the best deal here brings savings that continue.
Arrange for closing agent or attorney. Make all final preparations for closing.
Make moving plans. If you plan to use a moving company, make comparisons and reserve time now.
Secure final loan approval and commitment from the lending institution. If you have done your "up-front" work, this should be one of your easiest steps.
Do a final walk through of the house.
Final closing and settlement.
Move to your new home and begin enjoying it--you deserve it!
St Louis Missouri SR-22 Auto Insurance
About St. Louis, MO SR22 Insurance Policies and Regulations
St. Louis, MO SR22 Insurance is an insurance policy which is required for certain high-risk drivers in order to reinstate a revoked or suspended driver’s license. A three year policy is typical, but St. Louis, MO SR22 insurance policies can vary from one to five years, depending on the violation. When an insurance company issues the St. Louis, MO SR22 auto insurance policy, it provides a certificate which guarantees the state’s Department of Motor Vehicles that the insured has met the state's required minimums of liability coverage and that the DMV will be notified if there is any lapse in coverage. If the policy is not maintained or is canceled, the DMV will immediately suspend the driver's license and may additionally penalize the driver.
Compare St. Louis, MO SR22 Insurance Rates from Top Carriers
Our service gets you connected to the top auto insurance carriers in the nation and lets you choose the one that best fits your needs and budget. We have over 100 companies with agents represented in our network. Companies like Progressive, Safeco, Hallmark, Insuremax, Unitrin, and more!
A Fast, Free, and Easy Way to Find Affordable St. Louis, MO SR22 Insurance
Our process is fast, easy, and free! Simply enter your basic information into our online forms (your information will be kept safe on our secure servers). After you have completed our short online questionnaire, we will match you with local agents in your area who can provide additional quotes, answer any questions you may have about coverage, and assist you in every step of the buying process.
call 1-855-GET-SELECT (438-7353) for your St. Louis, MO SR-22 Auto Insurance Quotes today!
St. Louis, MO SR22 Insurance is an insurance policy which is required for certain high-risk drivers in order to reinstate a revoked or suspended driver’s license. A three year policy is typical, but St. Louis, MO SR22 insurance policies can vary from one to five years, depending on the violation. When an insurance company issues the St. Louis, MO SR22 auto insurance policy, it provides a certificate which guarantees the state’s Department of Motor Vehicles that the insured has met the state's required minimums of liability coverage and that the DMV will be notified if there is any lapse in coverage. If the policy is not maintained or is canceled, the DMV will immediately suspend the driver's license and may additionally penalize the driver.
Compare St. Louis, MO SR22 Insurance Rates from Top Carriers
Our service gets you connected to the top auto insurance carriers in the nation and lets you choose the one that best fits your needs and budget. We have over 100 companies with agents represented in our network. Companies like Progressive, Safeco, Hallmark, Insuremax, Unitrin, and more!
A Fast, Free, and Easy Way to Find Affordable St. Louis, MO SR22 Insurance
Our process is fast, easy, and free! Simply enter your basic information into our online forms (your information will be kept safe on our secure servers). After you have completed our short online questionnaire, we will match you with local agents in your area who can provide additional quotes, answer any questions you may have about coverage, and assist you in every step of the buying process.
call 1-855-GET-SELECT (438-7353) for your St. Louis, MO SR-22 Auto Insurance Quotes today!
St. Charles, Missouri SR-22 Auto Insurance
About SR22 Insurance Policies and Regulations
SR22 Insurance is an insurance policy which is required for certain high-risk drivers in order to reinstate a revoked or suspended driver’s license. A three year policy is typical, but SR22 insurance policies can vary from one to five years, depending on the violation. When an insurance company issues the SR22 auto insurance policy, it provides a certificate which guarantees the state’s Department of Motor Vehicles that the insured has met the state's required minimums of liability coverage and that the DMV will be notified if there is any lapse in coverage. If the policy is not maintained or is canceled, the DMV will immediately suspend the driver's license and may additionally penalize the driver.
Compare SR22 Insurance Rates from Top Carriers
Our service gets you connected to the top auto insurance carriers in the nation and lets you choose the one that best fits your needs and budget. We have over 100 companies with agents represented in our network.
A Fast, Free, and Easy Way to Find Affordable SR22 Insurance
Our process is fast, easy, and free! Simply enter your basic information into our online forms (your information will be kept safe on our secure servers). After you have completed our short online questionnaire, we will match you with local agents in your area who can provide additional quotes, answer any questions you may have about coverage, and assist you in every step of the buying process.
call 1-855-GET-SELECT (438-7353) for your St. Charles, MO SR-22 Auto Insurance Quotes today!
SR22 Insurance is an insurance policy which is required for certain high-risk drivers in order to reinstate a revoked or suspended driver’s license. A three year policy is typical, but SR22 insurance policies can vary from one to five years, depending on the violation. When an insurance company issues the SR22 auto insurance policy, it provides a certificate which guarantees the state’s Department of Motor Vehicles that the insured has met the state's required minimums of liability coverage and that the DMV will be notified if there is any lapse in coverage. If the policy is not maintained or is canceled, the DMV will immediately suspend the driver's license and may additionally penalize the driver.
Compare SR22 Insurance Rates from Top Carriers
Our service gets you connected to the top auto insurance carriers in the nation and lets you choose the one that best fits your needs and budget. We have over 100 companies with agents represented in our network.
A Fast, Free, and Easy Way to Find Affordable SR22 Insurance
Our process is fast, easy, and free! Simply enter your basic information into our online forms (your information will be kept safe on our secure servers). After you have completed our short online questionnaire, we will match you with local agents in your area who can provide additional quotes, answer any questions you may have about coverage, and assist you in every step of the buying process.
call 1-855-GET-SELECT (438-7353) for your St. Charles, MO SR-22 Auto Insurance Quotes today!
Thursday, June 2, 2011
Assurant Health Missouri Access Plans
Assurant Health Access is a fixed indemnity health plan designed to bring you access to health care and more for your money. It delivers real value by helping you save on health care expenses and paying cash benefits when you receive certain medical services.
• Independent Patient Care advocates who help you find quality, lower cost doctors and hospitals
• Network discounts on health care charges, retail clinics, prescription drugs, vision care, lab services and more
• Cash benefits to help you pay for health care expenses
• Assistance negotiating discounts and payment plans on outstanding medical bills through Health Payment Advocates
Know the Difference
Assurant Health Access plans pay fixed cash benefits to help pay for health care expenses, regardless of what your provider charges you. Be sure to review the limitations and exclusions listed in your contract
call us for a free Assurant Health Missouri Access Plan quote at 1-855-GET-SELECT (438-7353) Ext 1
• Independent Patient Care advocates who help you find quality, lower cost doctors and hospitals
• Network discounts on health care charges, retail clinics, prescription drugs, vision care, lab services and more
• Cash benefits to help you pay for health care expenses
• Assistance negotiating discounts and payment plans on outstanding medical bills through Health Payment Advocates
Know the Difference
Assurant Health Access plans pay fixed cash benefits to help pay for health care expenses, regardless of what your provider charges you. Be sure to review the limitations and exclusions listed in your contract
call us for a free Assurant Health Missouri Access Plan quote at 1-855-GET-SELECT (438-7353) Ext 1
saint charles missouri health insurance agents
The sky-rocketing costs of medical services in today's healthcare environment present a financial risk so great that being uninsured is not a feasible option. Saint Charles Missouri health insurance agents from Select Insurance Group are a distinguished local outlet that is available right in your community to help educate you about healthcare coverage and finding a plan that is ideal for you.
Many individuals and small businesses are under the assumption that it costs extra money to employ the services of a knowledgable Saint Charles County health insurance broker when, in fact, nothing could be further from the truth. These same people often think that by doing all of the legwork on their own, they can discuss better rates directly with an insurance company. Again, this is a false presumption.
St. Charles County health insurance brokers and agents are compensated directly by insurance carriers. Individuals who incorporate professional agent services in choosing coverage options pay no more for insurance than individuals who purchase the same coverage directly from the carrier. Individuals who work with a renowned Saint Charles MO insurance broker such as Select Insurance Group do, however, gain several worthwhile benefits as outlined below.
Access to several different plan designs and deductible options from multiple health insurance carriers.
Access to experts who can help guide you to a plan featuring benefits you want at a premium you can afford.
Access to licensed Personal Health Insurance Advisors who understand laws and regulations associated with health insurance Saint Charles MO.
Access to exceptional, local customer service for as long as you remain a client.
call us for your free saint charles missouri health insurance quote at 1-855-GET-SELECT (438-7353) today!
Many individuals and small businesses are under the assumption that it costs extra money to employ the services of a knowledgable Saint Charles County health insurance broker when, in fact, nothing could be further from the truth. These same people often think that by doing all of the legwork on their own, they can discuss better rates directly with an insurance company. Again, this is a false presumption.
St. Charles County health insurance brokers and agents are compensated directly by insurance carriers. Individuals who incorporate professional agent services in choosing coverage options pay no more for insurance than individuals who purchase the same coverage directly from the carrier. Individuals who work with a renowned Saint Charles MO insurance broker such as Select Insurance Group do, however, gain several worthwhile benefits as outlined below.
Access to several different plan designs and deductible options from multiple health insurance carriers.
Access to experts who can help guide you to a plan featuring benefits you want at a premium you can afford.
Access to licensed Personal Health Insurance Advisors who understand laws and regulations associated with health insurance Saint Charles MO.
Access to exceptional, local customer service for as long as you remain a client.
call us for your free saint charles missouri health insurance quote at 1-855-GET-SELECT (438-7353) today!
st charles county health insurance
One of the most distinguished healthcare coverage brokers in the state of Missouri is Select Insurance Group. Our St. Charles County health insurance customers gain several key benefits by taking advantage of our services:
Access to several different plan designs and deductible options from multiple health insurance carriers.
Access to experts who can help guide you to a plan featuring benefits you want at a premium you can afford.
Access to licensed Personal Health Insurance Advisors who understand laws and regulations associated with health insurance Saint Charles MO.
Access to exceptional, local customer service for as long as you remain a client.
contact us for free at 1-855-GET-SELECT (438-7353)
Access to several different plan designs and deductible options from multiple health insurance carriers.
Access to experts who can help guide you to a plan featuring benefits you want at a premium you can afford.
Access to licensed Personal Health Insurance Advisors who understand laws and regulations associated with health insurance Saint Charles MO.
Access to exceptional, local customer service for as long as you remain a client.
contact us for free at 1-855-GET-SELECT (438-7353)
health insurance st charles, mo
No matter whom you designate to establish your healthcare coverage with, purchasing it in the first place is an important step toward peace of mind for you and your family. The local staff of Saint Charles Missouri health insurance agents in our offices is available to assist you in navigating the options to find a plan that best balances your coverage needs with your budget requirements. You can easily get started researching St. Charles health insurance by picking up the phone and dialing (636) 410-6219, 1-855-GET-SELECT (438-7353), Or complete our quick and easy online form, and one of our Personal Health Insurance Advisors will contact you and begin working toward finding you the best health insurance Saint Charles MO residents can buy.
Compare St Louis Health Insurance
Select Insurance Group of St Louis Missouri offers more than 150 health insurance plans in St. Louis, which is part of Saint Louis County, Missouri. Health insurance carriers that offer individual st louis insurance, guarantee issue st louis health insurance, and family health insurance plans in St. Louis include Aetna, CUL, Anthem, Coventry, Assurant, and Aetna. visit www.selectinsuranceteam.com to compare details of the health insurance plans available in St. Louis.
Select Insurance Group can help assist you in finding the right st louis health coverage and the appropriate price range. Our company can help assist you in individual, group coverage, guarantee issue coverage, and COBRA. There are also state coverage programs such as MO Health Net (Medicaid), MO Health New for Kids, and the high risk pool. Eligibility requirements vary. If you have any questions, contact us at 855-GET-SELECT (438-7353) EXT 1.
If you are self-employed in the state of Missouri you can apply for the small group plan or guarantee issue health plan. In order to do so you must have at least two employees to qualify for a group plan, be working at least 30 hours a week, and you must be able to provide tax forms and other business documentation among request of the carrier you are applying to if you are pursuing st louis business health insurance coverage. Carriers in Missouri cannot deny you coverage, but you charges will be based on the health history of employees enrolling.
There are several ways to apply for Medicaid in the state of Missouri (MO HealthNet) including being from a low-income family with children under 19, pregnant women, and newborns. If you qualify, you will receive benefits such as preventive care, inpatient hospital care, lab and x-rays, pharmacy, dental/hearing/vision care, and more. To see if you qualify visit http://www.dss.mo.gov/fsd/msmcp.htm.
There is additional support to children in Missouri under the MO Health Net for Kids plan. The program aims to assist children who are Medicaid beneficiaries as well providing low-cost coverage to uninsured children under the age of 19 whose parents’ is too high to qualify them for Medicaid but too low to afford private insurance. In order to qualify you must be uninsured for at least 6 months, have family assets with a net worth of less than $250,000, and not have access to affordable health insurance. To learn more visit http://www.dss.mo.gov/mhk/index.htm.
Missouri’s high risk pool, Missouri Health Insurance Pool, and guarantee issue st louis health insurance, is meant for residents who are medically uninsurable on the individual insurance market due to a preexisting medical condition. Administered by Blue Cross Blue Shield and Blue Shield, MHIP offers similar plans to those who have private insurance plans. If you’d like to learn about the detailed eligibility requirements, plan benefits, and more, you can visit http://www.mhip.org/. If you work at least 30 hours a week you also are guaranteed st louis health insurance coverage through CUL. Plans starting at 89$ a month for an individual
To learn about specific st louis health insurance plans in the St. Louis area, visit our web page at www.selectinsuranceteam.com.
Select Insurance Group can help assist you in finding the right st louis health coverage and the appropriate price range. Our company can help assist you in individual, group coverage, guarantee issue coverage, and COBRA. There are also state coverage programs such as MO Health Net (Medicaid), MO Health New for Kids, and the high risk pool. Eligibility requirements vary. If you have any questions, contact us at 855-GET-SELECT (438-7353) EXT 1.
If you are self-employed in the state of Missouri you can apply for the small group plan or guarantee issue health plan. In order to do so you must have at least two employees to qualify for a group plan, be working at least 30 hours a week, and you must be able to provide tax forms and other business documentation among request of the carrier you are applying to if you are pursuing st louis business health insurance coverage. Carriers in Missouri cannot deny you coverage, but you charges will be based on the health history of employees enrolling.
There are several ways to apply for Medicaid in the state of Missouri (MO HealthNet) including being from a low-income family with children under 19, pregnant women, and newborns. If you qualify, you will receive benefits such as preventive care, inpatient hospital care, lab and x-rays, pharmacy, dental/hearing/vision care, and more. To see if you qualify visit http://www.dss.mo.gov/fsd/msmcp.htm.
There is additional support to children in Missouri under the MO Health Net for Kids plan. The program aims to assist children who are Medicaid beneficiaries as well providing low-cost coverage to uninsured children under the age of 19 whose parents’ is too high to qualify them for Medicaid but too low to afford private insurance. In order to qualify you must be uninsured for at least 6 months, have family assets with a net worth of less than $250,000, and not have access to affordable health insurance. To learn more visit http://www.dss.mo.gov/mhk/index.htm.
Missouri’s high risk pool, Missouri Health Insurance Pool, and guarantee issue st louis health insurance, is meant for residents who are medically uninsurable on the individual insurance market due to a preexisting medical condition. Administered by Blue Cross Blue Shield and Blue Shield, MHIP offers similar plans to those who have private insurance plans. If you’d like to learn about the detailed eligibility requirements, plan benefits, and more, you can visit http://www.mhip.org/. If you work at least 30 hours a week you also are guaranteed st louis health insurance coverage through CUL. Plans starting at 89$ a month for an individual
To learn about specific st louis health insurance plans in the St. Louis area, visit our web page at www.selectinsuranceteam.com.
Wednesday, June 1, 2011
st charles, mo guarantee issue health insurance plan
Have you had cancer, heart surgery, diabetes, depression, a stroke or other conditions that may cause you to be declined for a health plan? We offer a guaranteed issue, defined-benefit medical indemnity plan* that will accept you and your pre-existing conditions. The plan will cover pre-existing conditions after 12 months of coverage -- some included benefits have no waiting period. For full disclosure regarding waiting periods, see the brochure available for download below.
http://ppisales.info/LinkClick.aspx?fileticket=rBteUWPJF0c%3d&tabid=141
call me at 1-855-GET-SELECT (438-7353) Ext 1 for more information
Steve Ludwig
Select Insurance Group
http://ppisales.info/LinkClick.aspx?fileticket=rBteUWPJF0c%3d&tabid=141
call me at 1-855-GET-SELECT (438-7353) Ext 1 for more information
Steve Ludwig
Select Insurance Group
Affordable Missouri Landlord Insurance
Missouri Landlord insurance is a necessity for protecting yourself and your property, which is likely one of your biggest investments. You need landlord insurance that is comprehensive and affordable. To get low cost rates on the best landlord insurance policies available, simply go to www.selectinsuranceteam.com and enter your quote information and you'll be contacted by one of our licensed insurance professionals, anxious to provide quality coverage at the cheapest rates. Our company will offer you the low priced Missouri landlord insurance quotes on the best Missouri landlord insurance policies. It's quick and easy to compare policies - get your free quotes today!
Missouri Rental property insurance is a policy that covers a Missouri property owner from financial losses connected with their property that is used as a rental for tenants. Generally Missouri landlord insurance will cover the building itself, whether it is a house, apartment, condominium, vacation rental or any other dwelling. There is an option to include the contents with in the building, but the owner can also choose to have a tenant buy their own renters insurance policy to cover the replacement cost of any damaged items.
Each Missouri landlord building insurance policy will be different because the rental properties vary as do coverage needs. However, you'll usually want to have coverage for perils such as fire, flood, lightning, storm, explosion, escape of water or oil, subsidence, theft, vandalism and earthquake -if you live in an area that is prone to earthquakes. The majority of companies will offer the option for additional coverage beyond standard landlord property insurance. This additional rental property coverage may include items such as accidental damage, legal protection, the cost of alternative accommodation if the rental is unlivable, contents coverage and rent guarantee coverage.
Missouri Landlord Renters Insurance
Obtaining a comprehensive Missouri landlords rental property insurance policy will allow you to rent our your Missouri investment property to a tenant with confidence. Missouri Landlords rental property insurance provides protection for your property from damage and protects you from legal and personal liability. Generally, your rental property home insurance will cover the following:
Your rental building, whether it is a house, condominium (condo), building, apartment, townhouse, duplex, quad, vacation rental property or any other dwelling.
Additional private structures, such as a garage, shed or barn.
Any personal contents that are provided by the homeowners for use by the renters. These contents can include appliances, furniture or tools that are stored at the rental property site or provided for use by the tenants.
There are two primary forms of Missouri landlords buildings insurance, which are Missouri landlord rental dwelling insurance and Missouri landlord's rental condominium insurance. The Missouri rental dwelling coverage covers the Missouri homeowners of a rental building designed for one to four families. Rental condominium coverage is for if you own a condo and rent it out to tenants.
Missouri Landlord Building Insurance
When you compare the best Missouri landlord insurance companies, rates and quotes, you must ensure the Missouri rental property coverage will give you adequate protection and liability coverage. The sum insured should represent not your buildings market value, but the full cost to re-build your rental property. The cost to re-build can be much higher than the market value of your rental property. Your Missouri landlord property insurance should cover the cost of you to re-build or pay for damages caused by perils such as the following: severe weather (storms, lightening, floods), fire, smoke, aircraft, explosion, impact from vehicles or fallen trees, subsidence, burst pipes or leakage of oil or water, theft, vandalism, civil commotion, and malicious damage caused by tenants or renters.
When you compare rates looking for a cheap quote, be sure to be aware of what is covered and what is not covered. Just because a rate is cheap, doesn't mean it's the best deal. Make sure your Missouri landlords renters property insurance policy is fully explained to you. If you have a claim but it is not covered by your policy, you could end up paying for it out of pocket, which would negate the cheap rates that you thought you had.
Missouri Landlord Contents Insurance
As a Missouri landlord and Missouri homeowner, you will want liability protection in relations to the contents of your rental property. Contents coverage will protect you against the financial cost of damage to your personal property in the unit you rent to tenants. Homeowners can choose a limited contents policy or full contents policy. Limited contents policies are typically used for unfurnished or partly furnished let properties and will generally cover items such as light fixtures and fittings, curtains, carpets, appliances, and such. Even if the property is sparsely furnished, a landlord or homeowners should consider liability coverage in case of injury to tenants or guests caused by defective cookers, lighting fixtures, or stairs. If there was an incident, the compensation of the claim would be substantial.
For full Missouri contents insurance, you will want ensure you have adequate coverage to replace your lost items in the event a claim needs to be made. When getting landlord insurance quotes and estimates, be sure to talk to your agent about actual cash value (ACV) when considering content insurance for the replacement cost of your belongings. Actual cash value will cover the replacement cost of your items minus the deductible. Otherwise, you will only get what the value of the lost item is in cash. This is an important distinction. For instance, if you bought a laptop 5 years ago for $2,500 but the value of the computer today is only $500, you would only get $500 for the laptop to replace it. Obviously, it will cost more than $500 to replace your laptop. However, with actual cash value for your landlord contents insurance, you will get enough money to replace the laptop with a similar model in today's market. If you have any valuables or unusually expensive items, be sure to talk to an agent about these as you may want to buy a separate rider.
Legal Expenses
Some tenants' personal circumstances during their lease period may cause them to break their lease or affect their ability to pay rent. It may also affect their ability to property maintain the home or may interfere with their plans to move out a the end of their tenancy. This could be due to a job loss, business failure, end of a relationship, accident or illness. If this occurs, you will have to deal with burdensome attorneys' fees, document preparation fees and other related expenses. Legal expense coverage as part of your landlord liability insurance will provide coverage for these expensive legal costs.
Missouri Loss of Rental Income Coverage
By having a rent guarantee as part of your landlords or homeowners coverage, you will be sure that you will receive your rental income regardless of situations that may prevent you from otherwise doing so. Rental property income guarantee protects you from financial hardship if your rental property because unfit to rent due to a disaster like a fire, flood, earthquake, or any other covered event. As a Missouri landlord, you will be reimbursed for any loss of rental income up to your policy limit during the time it takes to repair or rebuild your rental building, vacation rental property, condo or house. In some circumstances, this also covers the rent in instances where there is a tenant in the unit but is unable to pay.
Missouri Landlord Liability Insurance
Landlord liability insurance protects you against bodily injury or property damage lawsuits that could arise from covered losses on your insured rental property. As landlords or homeowners, it is important to protect yourself against any claims that could arise if a tenant or their guest is injured on your rental home. For instance, if a tenant fell down the stairs or hurt themselves due to faulty electric work, you could be held liable as the owner. If you do not have proper landlord insurance, the cost of legal claims could be so great you could become bankrupt.
Generally, this type of Missouri landlord liability insurance coverage is not offered to commercial buildings. If you own a commercial building rather than a rental property such as a vacation home, condo, townhouse, duplex, quad, or house, you will need to look into commercial property insurance policies. Additionally, tenants should be aware that the landlords liability insurance and or landlord contents insurance only covers the fixtures in the rental property, the staircases, elevators, appliances, and such. This does not cover the tenants personal belongings. A tenant should purchase a renters insurance policy for protection of their personal valuables that are in the home.
Missouri Landlord insurance is important for protection of your most valuable assets. Your rental property is an excellent investment and needs to be protected. It is easy to compare landlord insurance policies and rates. You can quickly and easily find cheap rates from local agents by filling out the basic form. You will be contact by landlord insurance companies that provide coverage in your area. Just compare the quotes and save on the cost of your landlord insurance. Take the first step in protecting your valuables = get your free Missouri landlord insurance quotes today! call 1-855-GET-SELECT (438-7353)
Missouri Rental property insurance is a policy that covers a Missouri property owner from financial losses connected with their property that is used as a rental for tenants. Generally Missouri landlord insurance will cover the building itself, whether it is a house, apartment, condominium, vacation rental or any other dwelling. There is an option to include the contents with in the building, but the owner can also choose to have a tenant buy their own renters insurance policy to cover the replacement cost of any damaged items.
Each Missouri landlord building insurance policy will be different because the rental properties vary as do coverage needs. However, you'll usually want to have coverage for perils such as fire, flood, lightning, storm, explosion, escape of water or oil, subsidence, theft, vandalism and earthquake -if you live in an area that is prone to earthquakes. The majority of companies will offer the option for additional coverage beyond standard landlord property insurance. This additional rental property coverage may include items such as accidental damage, legal protection, the cost of alternative accommodation if the rental is unlivable, contents coverage and rent guarantee coverage.
Missouri Landlord Renters Insurance
Obtaining a comprehensive Missouri landlords rental property insurance policy will allow you to rent our your Missouri investment property to a tenant with confidence. Missouri Landlords rental property insurance provides protection for your property from damage and protects you from legal and personal liability. Generally, your rental property home insurance will cover the following:
Your rental building, whether it is a house, condominium (condo), building, apartment, townhouse, duplex, quad, vacation rental property or any other dwelling.
Additional private structures, such as a garage, shed or barn.
Any personal contents that are provided by the homeowners for use by the renters. These contents can include appliances, furniture or tools that are stored at the rental property site or provided for use by the tenants.
There are two primary forms of Missouri landlords buildings insurance, which are Missouri landlord rental dwelling insurance and Missouri landlord's rental condominium insurance. The Missouri rental dwelling coverage covers the Missouri homeowners of a rental building designed for one to four families. Rental condominium coverage is for if you own a condo and rent it out to tenants.
Missouri Landlord Building Insurance
When you compare the best Missouri landlord insurance companies, rates and quotes, you must ensure the Missouri rental property coverage will give you adequate protection and liability coverage. The sum insured should represent not your buildings market value, but the full cost to re-build your rental property. The cost to re-build can be much higher than the market value of your rental property. Your Missouri landlord property insurance should cover the cost of you to re-build or pay for damages caused by perils such as the following: severe weather (storms, lightening, floods), fire, smoke, aircraft, explosion, impact from vehicles or fallen trees, subsidence, burst pipes or leakage of oil or water, theft, vandalism, civil commotion, and malicious damage caused by tenants or renters.
When you compare rates looking for a cheap quote, be sure to be aware of what is covered and what is not covered. Just because a rate is cheap, doesn't mean it's the best deal. Make sure your Missouri landlords renters property insurance policy is fully explained to you. If you have a claim but it is not covered by your policy, you could end up paying for it out of pocket, which would negate the cheap rates that you thought you had.
Missouri Landlord Contents Insurance
As a Missouri landlord and Missouri homeowner, you will want liability protection in relations to the contents of your rental property. Contents coverage will protect you against the financial cost of damage to your personal property in the unit you rent to tenants. Homeowners can choose a limited contents policy or full contents policy. Limited contents policies are typically used for unfurnished or partly furnished let properties and will generally cover items such as light fixtures and fittings, curtains, carpets, appliances, and such. Even if the property is sparsely furnished, a landlord or homeowners should consider liability coverage in case of injury to tenants or guests caused by defective cookers, lighting fixtures, or stairs. If there was an incident, the compensation of the claim would be substantial.
For full Missouri contents insurance, you will want ensure you have adequate coverage to replace your lost items in the event a claim needs to be made. When getting landlord insurance quotes and estimates, be sure to talk to your agent about actual cash value (ACV) when considering content insurance for the replacement cost of your belongings. Actual cash value will cover the replacement cost of your items minus the deductible. Otherwise, you will only get what the value of the lost item is in cash. This is an important distinction. For instance, if you bought a laptop 5 years ago for $2,500 but the value of the computer today is only $500, you would only get $500 for the laptop to replace it. Obviously, it will cost more than $500 to replace your laptop. However, with actual cash value for your landlord contents insurance, you will get enough money to replace the laptop with a similar model in today's market. If you have any valuables or unusually expensive items, be sure to talk to an agent about these as you may want to buy a separate rider.
Legal Expenses
Some tenants' personal circumstances during their lease period may cause them to break their lease or affect their ability to pay rent. It may also affect their ability to property maintain the home or may interfere with their plans to move out a the end of their tenancy. This could be due to a job loss, business failure, end of a relationship, accident or illness. If this occurs, you will have to deal with burdensome attorneys' fees, document preparation fees and other related expenses. Legal expense coverage as part of your landlord liability insurance will provide coverage for these expensive legal costs.
Missouri Loss of Rental Income Coverage
By having a rent guarantee as part of your landlords or homeowners coverage, you will be sure that you will receive your rental income regardless of situations that may prevent you from otherwise doing so. Rental property income guarantee protects you from financial hardship if your rental property because unfit to rent due to a disaster like a fire, flood, earthquake, or any other covered event. As a Missouri landlord, you will be reimbursed for any loss of rental income up to your policy limit during the time it takes to repair or rebuild your rental building, vacation rental property, condo or house. In some circumstances, this also covers the rent in instances where there is a tenant in the unit but is unable to pay.
Missouri Landlord Liability Insurance
Landlord liability insurance protects you against bodily injury or property damage lawsuits that could arise from covered losses on your insured rental property. As landlords or homeowners, it is important to protect yourself against any claims that could arise if a tenant or their guest is injured on your rental home. For instance, if a tenant fell down the stairs or hurt themselves due to faulty electric work, you could be held liable as the owner. If you do not have proper landlord insurance, the cost of legal claims could be so great you could become bankrupt.
Generally, this type of Missouri landlord liability insurance coverage is not offered to commercial buildings. If you own a commercial building rather than a rental property such as a vacation home, condo, townhouse, duplex, quad, or house, you will need to look into commercial property insurance policies. Additionally, tenants should be aware that the landlords liability insurance and or landlord contents insurance only covers the fixtures in the rental property, the staircases, elevators, appliances, and such. This does not cover the tenants personal belongings. A tenant should purchase a renters insurance policy for protection of their personal valuables that are in the home.
Missouri Landlord insurance is important for protection of your most valuable assets. Your rental property is an excellent investment and needs to be protected. It is easy to compare landlord insurance policies and rates. You can quickly and easily find cheap rates from local agents by filling out the basic form. You will be contact by landlord insurance companies that provide coverage in your area. Just compare the quotes and save on the cost of your landlord insurance. Take the first step in protecting your valuables = get your free Missouri landlord insurance quotes today! call 1-855-GET-SELECT (438-7353)
Joplin, MO Tornado Destroys thousands of homes, Make sure your home is covered for a natural disaster
As a Missouri homeowner it is important for you to understand the rewards as well as the risk when it comes to owning a home. Recently, a tornado ravaged the town of Joplin, MO, permanently damaging hundreds of houses, businesses, and a hospital along its path. Because Missouri is prone to such natural disasters like tornados and floods, having Missouri home insurance is essential in case anything ever happens to your home as a result of any of these occurrences. Having Missouri tornado insurance will alleviate you and your family of any crisis. Missouri home insurance can provide protection from the following:
•The physical structure of your home
•Replacement cost
•Personal possessions
•Additional living expense (in the event of a natural disaster)
•Personal liability
All of these instances can happen as a result of a natural disaster inflicting damage upon your home. Because of the large-scale devastation of the most recent tornado, the time for Missouri residents to act is now so that if your home is ever damaged, you will have good, reliable coverage. At Select Insurance Group, we aim to create custom, top-quality insurance plans that reflect the distinct needs of you, your family, and your individual home. Give us a call today to learn more about our all-inclusive Missouri home insurance policies. 1-855-GET-SELECT (438-7353)
•The physical structure of your home
•Replacement cost
•Personal possessions
•Additional living expense (in the event of a natural disaster)
•Personal liability
All of these instances can happen as a result of a natural disaster inflicting damage upon your home. Because of the large-scale devastation of the most recent tornado, the time for Missouri residents to act is now so that if your home is ever damaged, you will have good, reliable coverage. At Select Insurance Group, we aim to create custom, top-quality insurance plans that reflect the distinct needs of you, your family, and your individual home. Give us a call today to learn more about our all-inclusive Missouri home insurance policies. 1-855-GET-SELECT (438-7353)
st louis vacant home insurance
We serve all 114 counties for vacant homeowners insurance and vacant building insurance in Missouri. From St. Louis all the way to the other end of the State in Kansas City, and all the tiny towns in between, we are the only experts you will need for vacant homeowners insurance in Missouri. Vacant Home Insurance now is the leading expert on vacant home insurance and landlord tenant policies. Missouri residents should understand that if a home or occupied building is expected to be empty or vacant for over 30 to 60 days you need to look into a vacant home insurance policy in Missouri. For a vacant home insurance quote tailored to your Missouri home, property or building, please fill out the quote form at www.selectinsuranceteam.com and one of our representatives will get back to you quickly. We will use the information you provide to help find the best insurance coverage for your situation.
St Louis Landlord Insurance
As a landlord, protecting your assets is crucial. You need your property well cared for, but you can’t be around 24/7 to make sure it happens. So who can you trust to safeguard it for you?
At Select Insurance Group, we understand you need to protect your interests. We also know that time means money—and your time is valuable. That’s why we’re here: to help protect you from financial loss so you can go on with your life.
We offer you:
•quick, no cost st louis landlord insurance shopping
•a guaranteed, hassle-free experience
•low-cost, money-saving st louis landlord insurance quotes
•relationships with top insurers near you
•honest, caring, hard-working agents
•cheap policies tailored just for you
Adequate protection really is affordable. With competitive, free quotes from some of the best landlord insurers in the business, you’ll keep the upper hand—and retain control of your property and your life.
To receive free insurance quotes from top companies, contact us toll free at 1-855-GET-SELECT (438-7353), or visit www.selectinsuranceteam.com You’ll have what you need in a matter of minutes.
The road to savings begins here. How much will you save?
At Select Insurance Group, we understand you need to protect your interests. We also know that time means money—and your time is valuable. That’s why we’re here: to help protect you from financial loss so you can go on with your life.
We offer you:
•quick, no cost st louis landlord insurance shopping
•a guaranteed, hassle-free experience
•low-cost, money-saving st louis landlord insurance quotes
•relationships with top insurers near you
•honest, caring, hard-working agents
•cheap policies tailored just for you
Adequate protection really is affordable. With competitive, free quotes from some of the best landlord insurers in the business, you’ll keep the upper hand—and retain control of your property and your life.
To receive free insurance quotes from top companies, contact us toll free at 1-855-GET-SELECT (438-7353), or visit www.selectinsuranceteam.com You’ll have what you need in a matter of minutes.
The road to savings begins here. How much will you save?
Legitimate Guarantee Issue Individual Missouri health benefits For The Uninsurable
I have been a multi state licensed health and life insurance Broker for 11 years. One of the biggest challenges I've had to deal with through the years has been trying to help the Uninsurable. Unfortunately in most States if you have one of a host of "pre existing" medical conditions you are labeled as "uninsurable" on an individual health insurance policy. This uninsurable status can last for many years and sometimes for life depending on the specific pre existing condition you have been diagnosed with. Some of the pre- existing medical conditions that render an applicant uninsurable for ten years or more are: Heart Attack, Stroke, Diabetes, Cancer, Lupus, Multiple Sclerosis, Muscular Dystrophy, Degenerative Arthritis and a host of other pre existing conditions. In addition, there are applicants who have a combination of controlled pre existing conditions but since they have more than three "ratable conditions" they are also labeled uninsurable.
For example, with many carriers an applicant who has Hypertension and Hyperlipidimia and is also overweight falls under the "3 strikes your out" rule and is labeled uninsurable. Or an applicant may have two of the aforementioned controlled conditions and is not overweight but is a smoker and is then labeled uninsurable also. Or an applicant who has asthma but also smokes falls in to the same uninsurable category with many carriers. These are just a few examples of conditions or "combo conditions" that can render an applicant uninsurable. The question then becomes, what do I do now? Who will insure me against the catastrophic medical bills that I may face in the future? Who will help me pay for the medications I currently am taking to control the aforementioned conditions?
I have just gotten my hands on a Guaranteed issue health insurance plan that is available to people who do not qualify for standard full-coverage major medical insurance, as long as the person works 30+ hours a week. Virtually everyone qualifies because pre-existing conditions or other health related issues such as cancer, diabetes, stroke, heart condition, depression, etc. Guaranteed issue health insurance policies cover many aspects of medical attention, including inpatient, outpatient, doctor visits, and hospital visits. Most guaranteed issue policies are also guaranteed renewable and guaranteed to stay the same on price. Rates are starting as low as 89$ a month for an individual. Did I mention that this coverage will cover you right away if you are planning on getting pregnant and can't wait 18 months for coverage to begin? Call me right away at 1-855-GET-SELECT (438-7353) Ext 1 or go to www.selectinsuranceteam.com or apply direct at http://stephenludwig.mymedquote.com/HomePage.aspx
For example, with many carriers an applicant who has Hypertension and Hyperlipidimia and is also overweight falls under the "3 strikes your out" rule and is labeled uninsurable. Or an applicant may have two of the aforementioned controlled conditions and is not overweight but is a smoker and is then labeled uninsurable also. Or an applicant who has asthma but also smokes falls in to the same uninsurable category with many carriers. These are just a few examples of conditions or "combo conditions" that can render an applicant uninsurable. The question then becomes, what do I do now? Who will insure me against the catastrophic medical bills that I may face in the future? Who will help me pay for the medications I currently am taking to control the aforementioned conditions?
I have just gotten my hands on a Guaranteed issue health insurance plan that is available to people who do not qualify for standard full-coverage major medical insurance, as long as the person works 30+ hours a week. Virtually everyone qualifies because pre-existing conditions or other health related issues such as cancer, diabetes, stroke, heart condition, depression, etc. Guaranteed issue health insurance policies cover many aspects of medical attention, including inpatient, outpatient, doctor visits, and hospital visits. Most guaranteed issue policies are also guaranteed renewable and guaranteed to stay the same on price. Rates are starting as low as 89$ a month for an individual. Did I mention that this coverage will cover you right away if you are planning on getting pregnant and can't wait 18 months for coverage to begin? Call me right away at 1-855-GET-SELECT (438-7353) Ext 1 or go to www.selectinsuranceteam.com or apply direct at http://stephenludwig.mymedquote.com/HomePage.aspx
Missouri health insurance plans
Grab your tissues and eye drops…allergy season is coming! It might not be something to look forward to, but the upcoming allergy season is definitely something to prepare for. We’ve all been there – itchy, watery eyes, non-stop sneezing, difficulty breathing – spring allergies are the worst!
News 4 reported that this year is predicted to be especially rough. An allergy specialist at the University of Missouri stated that the abundance of snow we received this winter provided a great deal of moisture in the soil for tree roots. This means extra pollen and mold should be expected for the spring.
With so many health issues resulting from the spring allergy season, this is the perfect time of year to utilize your Missouri health insurance and visit your doctor. It is far better to be prepared then to wait for the first signs of those pesky symptoms to start setting in. Those of you who have asthma need to be extra careful this spring, as allergies are a main cause for asthma attacks. Be prepared this allergy season.
Mild Allergy Symptoms can include:
Itchy, watery eyes
Rash
Congestion
Coughing
Stay safe and healthy this season by being proactive and purchasing a Missouri health insurance plan. Rates starting at 49$ per month and we have plans to fit all your needs and budget. There is a Missouri health insurance plan for everyone. A simple doctor visit can run you over 150$, alone. Select Insurance Group can answer any questions you may have regarding Missouri health insurance.
News 4 reported that this year is predicted to be especially rough. An allergy specialist at the University of Missouri stated that the abundance of snow we received this winter provided a great deal of moisture in the soil for tree roots. This means extra pollen and mold should be expected for the spring.
With so many health issues resulting from the spring allergy season, this is the perfect time of year to utilize your Missouri health insurance and visit your doctor. It is far better to be prepared then to wait for the first signs of those pesky symptoms to start setting in. Those of you who have asthma need to be extra careful this spring, as allergies are a main cause for asthma attacks. Be prepared this allergy season.
Mild Allergy Symptoms can include:
Itchy, watery eyes
Rash
Congestion
Coughing
Stay safe and healthy this season by being proactive and purchasing a Missouri health insurance plan. Rates starting at 49$ per month and we have plans to fit all your needs and budget. There is a Missouri health insurance plan for everyone. A simple doctor visit can run you over 150$, alone. Select Insurance Group can answer any questions you may have regarding Missouri health insurance.
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