Do You Need Life Insurance?

Life insurance can be a huge benefit to you and your loved ones. If you’ve been considering it lately for you and your family, check out these guidelines to see if it’s right for you:

Are you a “beginning” family? If so, it’s the perfect time to buy life insurance. If you and your spouse just had a baby or have small children, you have a good amount of dependents, and chances are if you’re young, you’re healthy. Life insurance policies are much cheaper when you’re young and in good health.

Are you a young, single adult? If so, the main reason you would need life insurance would be to pay for your own funeral. This is a good idea if no one in your family would be financially able to pay for the funeral for you.

Do you have an established family? If your kids are getting older but still depend on you, it’s now or never! Your life insurance policies will only increase the longer you wait. Remember, it’s important that your spouse and children would be provided for in the event of your death.

Are you married, but have no kids? If so, it comes down to you and your spouse deciding together if life insurance is right for you. If you’re both earning a good amount of income – enough so that if one of you passed away, the other would be able to manage – then life insurance would only be useful to pay for the funeral. However, if one of you makes a good deal more than the other, then purchasing life insurance may be a good idea.

Are you elderly? If so, life insurance at this stage in your life would be useful only to pay for your funeral, unless you still have dependents. If you believe that life insurance is right for you at your age, speak with us today about your options.

To find out more about life insurance, contact us today!

Health Insurance Won’t Pay for L.A.’s “Designer Babies”

Recently, an L.A. clinic announced that it will be offering services to genetically engineer traits for unborn children, including gender. The fertility treatment is based on a procedure called "pre-implantation genetic diagnosis", or PGD.

PGD has been used primarily to combat disease in young children, and the science of it has now ventured into the stage where it can also be used to control the physical traits of babies. Besides gender, parents can now choose features like eye, hair, and skin color. (The project began with Dr. Jeff Steinberg, who also helped create 1978's "test tube baby.")

Some people are outraged and offended by the science fiction-ish service, calling it "playing God", "selfish", and "creepy." Many people think that the attitude of Hollywood has gone too far. And then there are those who are intrigued, impressed, and even eager to "design" their own perfect baby.

The cost for the procedure costs around $18,000, and is not covered by health insurance (another source of outrage altogether).

For more information on health insurance, or for a free health insurance quote, visit our website today. We're HeadquarterInsurance.com .

How Do I Know If I Need a Critical Care Policy?

Did you know that while your health policy covers medical expenses due to accidents or illnesses, it won't cover the many expenses that come with your long term care?

That's what a critical care policy is for.

A critical care policy basically adds an extra layer of financial protection beyond the regular coverage of a health insurance policy. It's also guaranteed renewable each year and can cover expenses like lost income, deductibles, travel expenses, and ongoing medical treatments. Mortgage payments, debts, and everyday living expenses can also be paid through critical care.

Critical care is a great benefit to those with critical health issues such as cancer, heart attacks, multiple sclerosis, kidney failure, stroke, and major organ transplants.(The factors that make up "critical illness" will vary from different agencies, but they normally include these.)

A critical care insurance policy can give you and your loved ones security during times that already going to be difficult. If you think you might be a candidate, there are steps you can take to find out even more. Start by taking a personal inventory. Do you have a family history of chronic health problems, such as heart failure, stroke or cancer? If so, that could be an indicator that critical care insurance may be an excellent option for you.

Next, consider your personal finances. Do you have the discipline to save money each month to cover long term medical care due to critical illness? And do you have an adequate income to prepare for critical illnesses?

If you are unable to work due to a critical illness, where is your money going to come from? There are many things to think about when considering a critical care policy, but if and when the time comes, you'll be very happy you prepared for it.

For more information on critical care insurance, contact us today! We're Independent Insurance Agency, based in Lauderhill, Florida. You can also visit our site for a free critical care quote.

Don’t Spend the Rest of Your Life Paying for Student Loans AND a Broken Leg

It's not surprising that many students go through college without health insurance. Students generally have limited budgets, and health insurance isn't necessarily on their minds - after all, there are student loans to think of and resumes to send out.

However, having a health insurance policy when you're a student is crucial. If you're injured and need medical attention, without health coverage you could be paying for it even longer than your student loans. Did you know that the average cost of an uninsured compound leg fracture is $75,000? And an uninsured spinal fracture is nearly $200,000.

If you're a college or graduate student or a recent graduate without health coverage, you're not alone, but you are taking a giant risk. A good health insurance policy gives you a lot of coverage for a small cost.

When it comes to health insurance, you have a few options. You can get a high-deductible plan, or you can get short term health coverage. Short term coverage is a temporary insurance which lasts just until you get a job with health benefits. Or, if you're healthy, you should consider a major medical policy, which offers more benefits to those in good health.

For more information on our health insurance policies, contact us today! We're Independent Insurance Group, based in Lauderhill, Florida. You may also visit our free health quote page!

Are You Candidate for Guaranteed Issue Health Coverage?

Are You Candidate for Guaranteed Issue Health Coverage?

Guaranteed issue health insurance, or "indemnity insurance," is a type of health coverage that's guaranteed to you, regardless of your health conditions. Insurance companies often refuse to insure those with serious health issues, which can be a problem when it comes to qualifying for regular coverage.

If you have a serious health condition such as diabetes, heart disease, or cancer, you could be a good candidate for guaranteed issue insurance.

Most guaranteed issue insurance policies include doctor visits, emergencies, surgeries, and hospital stays, and are HIPAA compliant. Providers will also work with you if you can't afford regular health insurance.

We believe that you should be able to receive the health insurance you need, even if you may not be eligible for traditional health coverage. We also believe that you deserve to have the peace of mind that comes with knowing your health will be taken care of.

At our agency, we make sure you get that protection. We're the Independent Insurance Group, based in Lauderhill, Florida. For more information on guaranteed issue health coverage, contact us today or visit our website for a free indemnity quote!

Health Insurance: Not Only for the Swine Flu Scare

When the first U.S. swine flu death occurred, everyone grew alarmed and alert. The doctors offices were flooded with those who believed they had the disease.

Even though most of these cases were (thankfully) psychosomatic, the doctors visits did cost money, and those who got the doctors to write prescriptions probably went straight to the pharmacy to get their antibiotics.

This whole situation was appalling for those without health insurance policies. When a fear grows to a hysteria as the fear of swine flu did, Americans don't care if they have health insurance or not; they're going to the doctor come hell or high water. And they will pay for those expensive antibiotics, too.

Millions of people in the U.S. don't have health insurance, but the need for it is great - especially for families with children. The risk of sudden illness or an accident is too big to ignore, and most health insurance policies are so low that it's a very sound investment.

Antibiotics can cost hundreds of dollars without coverage, and doctor visits can be pricey, too. As for broken bones? We're talking thousands upon thousands.

There are always going to be viruses going around. Some just happen to get more coverage than others. It's crucial to be prepared for every illness and every accident.

Contact us today to talk about a health insurance policy that will fit your budget and family size. We're the Independent Insurance Group, based in Lauderhill, Florida.

Guaranteed Issue Health Insurance, As Good as it Sounds

Have you heard of guaranteed issue insurance?

This is a form of health coverage that offers extra protection for you or a family member becomes hospitalized. It pays a fixed amount each day, week, or month that you/they are in the hospital. It can also be used for medical or other expenses.

It's called "guaranteed" because it's guaranteed coverage, regardless of your health conditions. Companies often refuse those with serious health problems - that's the point of guaranteed issue insurance.

Hospitalization can be a difficult time, and the last thing you want to worry about is loss of income or paying bills. Guaranteed Issue Insurance can help you rest a little easier knowing those extra expenses may be paid, protecting your savings and retirement plans.

For more information on guaranteed issue insurance, contact us today! We're HeadQuarterInsurance.com .