ACA: Another Carrier To Offer No-Max Stop-Loss - Regulatory,Legislative and Tax Issues - Life and Health Insurance News
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Wednesday, May 26, 2010
Friday, May 14, 2010
May Is Disability Insurance Awareness Month
How would you like to receive an extra paycheck? I’m affiliated with the LIFE Foundation, a nonprofit insurance education group that is sponsoring the “Where Did My Paycheck Go?” Challenge during the month of May. Entering this contest is simple: You will be asked to take a minute to think about your paycheck and where all your hard-earned money goes.
Why all the attention on your paycheck? Well, many people don’t realize that just as they protect their cars and their homes with insurance, they need to be insuring another valuable asset—their paycheck. That’s where disability insurance comes in: Think of it as insurance for your paycheck. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income, enabling you to make ends meet until you’re able to return to work.
To enter the “Where Did My Paycheck Go?” Challenge, go to www.protectyourpaycheck.org. One lucky entrant will be chosen at random to win a “bonus paycheck” in the form of a $1,000 American Express gift certificate—Here’s hoping that it’s you!
May is Disability Insurance Awareness Month, the ideal time to make sure that your paycheck is properly protected with disability insurance.
Why all the attention on your paycheck? Well, many people don’t realize that just as they protect their cars and their homes with insurance, they need to be insuring another valuable asset—their paycheck. That’s where disability insurance comes in: Think of it as insurance for your paycheck. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income, enabling you to make ends meet until you’re able to return to work.
To enter the “Where Did My Paycheck Go?” Challenge, go to www.protectyourpaycheck.org. One lucky entrant will be chosen at random to win a “bonus paycheck” in the form of a $1,000 American Express gift certificate—Here’s hoping that it’s you!
May is Disability Insurance Awareness Month, the ideal time to make sure that your paycheck is properly protected with disability insurance.
Tuesday, May 11, 2010
Friday, April 30, 2010
Why Life Insurance?
Why Life Insurance
The death benefit:
- Brings a check to the family when they need it most.
- It keeps the family grounded and not having to move in with Gramma because they have to sell the house.
- Children do not have to change schools.
- Self fulfilling college fund!! When parents set up college funds, what happens to that plan if both parents(or even one) is taken away (meets the main man).......who funds the college plan then??? So the question to ask the parents is....do you want your children to go to college only if you LIVE???? Life insurance completes the plan instantly.
- There is no other product in the WORLD that you could put a few premiums into and then possibly create an instant estate of thousands and millions of dollars.
- Charities are created and continued.
- Business can be purchased.
- Businesses can continue.
- If the rep doesn't sell life insurance to his clients.......someone else will!
- Large estate tax burdens can be paid, leaving the estate whole. Stops the fire sale.
- Provides for the family, when the one insured cannot.
- Protects the insurability... if a permanent plan is purchased. Our health doesn't get "better" as we age.
- Here is a situation people do not like to talk about: God forbid your child dies. It does happen, we know. We know the final expenses are tremendous.....but another thought is "When will you be able to return to life and work again?.......a week?.....a month?.....a year?" I know if my girl was to die, I would be a basket case. I also know that people still have to provide for the survivors. The spouse, surviving children, mortgage payments, car payments, councilors, food,.......all of those bills continue. There is a place for coverage on children.
The death benefit:
- Brings a check to the family when they need it most.
- It keeps the family grounded and not having to move in with Gramma because they have to sell the house.
- Children do not have to change schools.
- Self fulfilling college fund!! When parents set up college funds, what happens to that plan if both parents(or even one) is taken away (meets the main man).......who funds the college plan then??? So the question to ask the parents is....do you want your children to go to college only if you LIVE???? Life insurance completes the plan instantly.
- There is no other product in the WORLD that you could put a few premiums into and then possibly create an instant estate of thousands and millions of dollars.
- Charities are created and continued.
- Business can be purchased.
- Businesses can continue.
- If the rep doesn't sell life insurance to his clients.......someone else will!
- Large estate tax burdens can be paid, leaving the estate whole. Stops the fire sale.
- Provides for the family, when the one insured cannot.
- Protects the insurability... if a permanent plan is purchased. Our health doesn't get "better" as we age.
- Here is a situation people do not like to talk about: God forbid your child dies. It does happen, we know. We know the final expenses are tremendous.....but another thought is "When will you be able to return to life and work again?.......a week?.....a month?.....a year?" I know if my girl was to die, I would be a basket case. I also know that people still have to provide for the survivors. The spouse, surviving children, mortgage payments, car payments, councilors, food,.......all of those bills continue. There is a place for coverage on children.
Tuesday, April 27, 2010
Wednesday, April 7, 2010
Friday, March 26, 2010
Contractor's Choice
Does your co. do any prevailing Wage, Public Works, or Davis-Bacon work? If so, I can now help you. If you are currently bidding or considering a bid dealing with Prevailing Wage, Public Works, or Davis-Bacon Work, I would like to introduce you to "Contractor's Choice". It's a Contractor's Fringe Benefit program that works year round for you and your employees.
Contractor's Choice Prevailing Wage Hour Bank Program is designed to assist Davis-Bacon, Prevailing Wage and Service Contract Act contractors in navigating through the maze of federal, state and city wage regulations. All the while maximizing profits and converting taxable payroll dollars into valuable tax-free employment benefits.
Contractor's Choice takes the worry out of compliance with Hour Bank administration, offering top-notch benefit choices in one smart tax-saving package. The Statement "time is money" is amplified with contractors working in the Prevailing Wage, Public Work, or Davis-Bacon programs.
For more information regarding Contractor's Choice simply call or email me.
Contractor's Choice Prevailing Wage Hour Bank Program is designed to assist Davis-Bacon, Prevailing Wage and Service Contract Act contractors in navigating through the maze of federal, state and city wage regulations. All the while maximizing profits and converting taxable payroll dollars into valuable tax-free employment benefits.
Contractor's Choice takes the worry out of compliance with Hour Bank administration, offering top-notch benefit choices in one smart tax-saving package. The Statement "time is money" is amplified with contractors working in the Prevailing Wage, Public Work, or Davis-Bacon programs.
For more information regarding Contractor's Choice simply call or email me.
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