Questions to ask about health insurance

Before you purchase any health insurance plan there are several questions that you will want to ask yourself. These will help to ensure that you get the coverage that you need, at a price you can afford. Many people make the mistake of buying the first health insurance plan that they come across. Even though the first plan you see may have everything that you need, how will you ever know if it is the best one for...

The Right Beneficiary

Who have you chosen to inherit your assets?It may be wise to review your choices. provided by Duaine Owings Here’s a simple financial question: who is the beneficiary of your IRA? How about your 401(k), life insurance policy, or annuity? You may be able to answer such a question quickly and easily. Or you may be saying, “You know … I’m not totally sure.” Whatever your answer, it is smart to periodically...

How Life Ins Companies View You

How life insurance companies view you: Underwriting categoriesBy Duaine Owings When you’re applying for a life insurance policy, your premiums will be set in part by your “risk class,” which is defined by an insurer’s “underwriting guidelines.” (Your age and the length of policy term you want are other pricing factors.) These classes are determined by your current health and your family health history....

Who Cares? Life Insurance Consumer Tips

Life Insurance Consumer Tips by Duaine Owings ==================================== Who cares? ==================================== Why does anybody bother to buy life insurance? When it comes down to it, you’ve passed on anyway. Why should it trouble you what happens when you’re gone? These thoughts come easily when money is tight and the premium dollars could help ease the burden of other bills. And we...

Do You Have Enough Life Insurance?

Life Insurance Consumer Tips by Duaine Owings, President Plan To Win Agency ==================================== Do you have enough life insurance? ==================================== Life insurance is very often purchased to replace income. The idea is that your surviving family will need to live on funds fairly equal to your current paycheck. So how much insurance should you...