When investing in a disability insurance policy, the disability insurance rates that you pay are a major concern. There are several factors that affect the disability insurance rates. Let us take a look at some of them. Disability is not a thing that anyone would want for sure. But nevertheless, there are always chances of you incurring some kind of disability or illness. Thus, it is advised that... 

Typical Insurance Limitations and Exclusions Polices will vary quite a bit on their limitations and exclusions so it’s always very important to read the actual policy (not the marketing information) carefully before making a selection. Here are some limitations and exclusions common for many health insurance policies: * Pre-existing conditions Most health plans will have waiting periods of six... 

What is cancer insurance? Cancer insurance conceptually is very simple. Benefits are paid directly to you regardless of any other insurance you may have. You can then use the benefits to help pay for all of the extra costs associated with your cancer treatment. Cancer insurance policies supplement existing health insurance policies or income. Why purchase cancer insurance? The National Institute of... 

By Peg Plumbo, CNM Q: My wife is pregnant and we do not have health insurance, although I will soon have coverage through my job. Will I have to lie and pretend it is not preexisting, or am I faced with paying huge bills? A: It is fairly easy to determine when conception occurred based on last menstrual period (don’t give them a false date here because it is very important to date your pregnancy... 

By Don McNay “Ninety-nine and forty-four one hundreds percent pure love” – Ronnie Millsap Former CIGNA executive Wendell Potter was on Bill Moyers Journal a few weeks ago and cited a stunning statistic. When the Clinton’s were debating health care in the early 1990′s, 95 cents on every insurance premium dollar went to pay claims. Now it is slightly above 80%. The technical... 

By Milos Pesic Health care is a priority at any given age. After retiring however, health care probably becomes the most important focus as one tries to stay in good health; this means more visits to the doctor for routine checkups and preventative tests. Health care is a priority at any given age. After retiring however, health care probably becomes the most important focus as one tries to stay in... 

Before Baby Arrives If you are unsure about your child’s coverage under your health plan, you need to check on this before your baby is born. Typically, when you pre-register at the hospital, they will take all of your insurance information. Depending upon the type of health insurance plan you have, you may need to notify the company well in advance of the baby’s due date. If you don’t...