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Health Insurance

A recent Harvard University study concluded 62 percent of bankruptcies in the U.S. were caused by health problems. The study also found 78% of those who declared bankruptcy had medical insurance when their illness started.

Finding affordable health insurance is a bit difficult, particularly if you are not in an employer-sponsored program or if you have a pre-existing condition. Health insurance has become a luxury that fewer and fewer people are able to afford. For an employee in an employer-sponsored program to obtain the most comprehensive insurance, he or she must spend more than $5,000 in premiums.

The cost of a hospital stay is around $900 to $2,000. So investing in health insurance, even with minimal coverage, is better than having none at all.

Individual health – Group Health – Long Term Care

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Life Insurance

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If your family is dependent on your salary to pay the bills, it is very important you have life insurance. A typical life insurance policy should cover at least ten times your annual income. This sum will provide enough money to cover existing expenses, funeral expenses, and give your family financial support when you leave them behind. To get the most out of your insurance coverage, remember that it does not just cover your funeral expenses. It also covers your mortgage payments, living expenses, child care, and future college costs.

The two types of life insurance are traditional whole life and term life. Traditional whole life is a policy you pay for until you die. Term life is a policy with a set amount of time. When deciding between traditional and whole life, consider your age, occupation, number of dependent children and other factors to ensure you get the coverage necessary to protect your family.

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**The coverage (or changes in coverage) ARE NOT binding via this on-line request; Changes ARE considered binding when I receive an email (or fax) response from my agent indicating that they have received my request.