Online Short Term Health Insurance Available for Students and Others by miQuotes.com
miQuotes.com, a leading online insurance agency, has added short term health insurance and student health insurance to their catalogue of available insurance products."The cost of medical care is so high that no one can really afford to be without insurance, especially when the unthinkable happens," said Bill McEvoy, Vice President of Marketing at miQuotes.com.
"We've decided to offer short term health insurance products to the people who need it most, those between jobs or recently graduated from high school or going on to graduate school.
It's also an ideal plan for Human Resources departments to offer to employees waiting for their employment coverage to begin, or as an alternative to COBRA for employees that have left employment."The short term health insurance is available for up to a year, providing coverage for a wide range of medical services, including: physician services, prescriptions, X-ray and laboratory services, inpatient hospital stays, and inpatient and outpatient surgeries.
The short-term health insurance plan is not an HMO or a PPO, so covered individuals are able to choose their doctor and hospital.Student health insurance through miQuotes.com is a permanent, renewable health insurance designed specifically for college students under the age of 30.
Students are covered year-round and coverage is still available if the student transfers to another college.
Any full-time student at a state-accepted college or university who is under the age of 30 could be eligible for student health insurance coverage through miQuotes.com.
Like the short-term health insurance plan, the student health insurance plan is not an HMO or PPO.The short-term health insurance and student health insurance plans were designed for generally healthy people who are:? Looking for a low-cost alternative to COBRA? Between jobs? Temporary or seasonal employees? In a waiting period before employer-sponsored coverage begins? On strike or laid off? Recent college graduates? No longer covered under their parents' planmiQuotes.com will create customized web-sites for those employers who would like to offer these types of plans to their employees as a simple access point via their company intranet.
With both plans, coverage can begin as soon as the day following application approval. To receive a short term health insurance or student health insurance quote for free or to apply online, visit www.miQuotes.com.
More information is available about their health insurance plans as well as their life insurance policies.About miQuotes, LLC A Kansas-based company, miQuotes, LLC provides life insurance services to thousands of individuals and has been operating in the online arena since the 1990's.
With a long tradition of customer service and a reputation for providing the best products to meet their client's needs, miQuotes now brings those same values to the online term life insurance purchasing arena.Press Release Optimization for Search Engine News by Xeal.
term4sale.com, the Most Unbiased Term Life Insurance Comparison on the Web
Nicholasville, KY (ContentDesk) March 24, 2006 -- In 1998 Compulife Software, Inc. launched a web based term insurance comparison service called Term4Sale. The web site is the most objective source of rate comparisons for term life insurance.
www.term4sale.com allows comparisons of over 125 life insurance companies. Compulife is committed to including every term policy available in the market, regardless of how it is sold.
Term4Sale's website is very fast and easy to use.
The service is free to consumers who do not have to disclose who they are in order to compare insurance premiums.
For more than 23 years Compulife has provided term life insurance comparison software to insurance agents/brokers.
Agents pay Compulife an annual fee to obtain Compulife's more powerful agent software together with regular term rate updates.
The Term4Sale website uses the very same term data that...
Term life insurance > term4sale.com, the Most Unbiased Term Life Insurance Comparison on the Web
Buying Term Life Insurance on the Internet
In the last few years the growth of term life insurance sales via the Internet has exploded and created many new on line life insurance agencies. In the past consumers were skeptical about buying any products or services on the world wide web, however, because of the advanced technologies with regards to privacy and security, most consumers are becoming more and more comfortable purchasing products and services on the internet. Because of all of these new on line agencies the consumer is offered more choices in regards to purchasing term life insurance. There are basically two types of agencies on the web. The first type like mine www.ultimatetermquotes.com is a true seller of term life insurance products.
We are licensed in all 50 states and our intention is to sell the life insurance products to consumers. The second type of agency is one that is merely in the "lead business". When a consumer inquires about term life insurance by filling out basic information, their name and...
Buying Term Life Insurance on the Internet
Term life insurance > Buying Term Life Insurance on the Internet
SBLI USA Mutual Life Insurance Company, Inc. to Host Local Events in Support of Second Annual Life Insurance Awareness Month
Buffalo, New York (ContentDesk) August 31, 2005 ?- SBLI USA Mutual Life Insurance Company, Inc., a financial services company committed to the financial empowerment of all people, will host several health events in September to support the second annual Life Insurance Awareness Month, coordinated by the nonprofit Life and Health Insurance Foundation for Education (LIFE).
Life Insurance Awareness Month was created to help Americans understand what life insurance is and what it can do for them.
SBLI USA hopes that greater awareness will help lead to improved financial security for millions of families.SBLI USA is a national financial services company serving value-conscious consumers and underserved markets. The Company's mission is to empower customers and provide them with the education and tools they need to help take control of their financial destinies.
"We are proud to be officially participating in Life Insurance Awareness Month," said Lynette Gott, manager...
Term life insurance > SBLI USA Mutual Life Insurance Company, Inc. to Host Local Events in Support of Second Annual Life Insurance Awareness Month
Disability Insurance for the Long Term
Disability insurance covers you for an extended period of time. Should you be injured or take ill and as a result be unable to perform the duties of your employment, you will be covered under short term disability, then long term disability insurance will cover you. The coverage can be for a period ranging up to five years or until the disabled individual turns sixty five.Long term disability insurance is often provided by your employer as part of your benefits package. If you purchase it on your own, the benefits are tax free.Disability insurance on an individual basis makes great sense as if involved in an accident you are more likely to be disabled than die. Therefore it can be argued that it makes more sense to buy long term disability insurance than life insurance.Disability insurance policies differ from one provider to the next.
It is important that you do your research and find the disability insurance policy that best meets your needs with the insurance company that you...
Disability Insurance for the Long Term
Term life insurance > Disability Insurance for the Long Term
Term Life And Whole Life Insurance
Which type of policy is best for you, term or whole life? The answer depends on several factors, including:Your Needs. If you need coverage only until your children graduate from college, for example, you might be better off with a term life policy.Cash-value insurance is better suited for long term needs, such as planning estate taxes and providing lifetime security for your spouse. Some term policies cannot be renewed past age 70 or 80 and can become costly to renew as you approach that age.The Cost. If term life insurance is more suited to your budget and you want life time coverage, consider a term life policy which can be converted into a whole life policy. Then you can convert the policy whenever your cash flow or needs dictate.
You can also purchase a combination of term life and whole life insurance and gradually shift into whole life insurance over time.Your Savings and Investment Goals. Whole life insurance can be a good long term investment vehicle, especially because...
Term Life And Whole Life Insurance
Term life insurance > Term Life And Whole Life Insurance
Long Term Care Insurance and Suze Orman - The Ongoing Controversy
Copyright 2006 Clay Cotton
Long term care insurance is an obvious "must-have' for Americans with assets and families to protect and with discretionary income to afford the premiums.
While Suze Orman publicly promotes this coverage as the foundation of your financial plan, we wonder if she ought to put even MORE emphasis on LTCi protection
People all-too-often assume that long term care is just for the elderly, and
it's shocking to learn that over 40% of nursing home residents are currently under age 65.
In fact, because of my advanced Multiple Sclerosis, I would be in a nursing home right now if I had LTCi coverage to pay for it, and if my beloved wife, Kimberly, would agree to let me out of her sight.
In any case, while Suze Orman is clearly America's most popular financial advisor, she is also America's most visible proponent of long term care insurance.
This is a good thing for all of us since, of every...
Term life insurance > Long Term Care Insurance and Suze Orman - The Ongoing Controversy
What is Life Insurance?
Life Insurance is an insurance policy that provides an agreed amount of cover over an agreed term, so that should you die during the policy term, a lump sum is paid out. Life insurance is considered as the cornerstone of financial planning. It is a cost effective way to provide for your family after you are gone. Many of us will at some stage in our lives have the need for life insurance. Life insurance is an agreement between you and an insurer and under the terms of a life insurance contract, the insurer promises to pay a certain sum to a designated beneficiary when you die, in exchange for your premium payments.
This may give you peace of mind that, should you die during the policy term, your family would have some financial security.The most common reason for buying life insurance is to replace the income lost when you die. For example, say that you work, and that your income is used to support yourself and your family. When you die and your income stops the life insurance...
What is Life Insurance?
Term life insurance > What is Life Insurance?
Life Insurance Rates Continue to Drop
(ContentDesk) December 6, 2005 -- A recent study showed that rates for individual term life insurance and permanent life insurance (whole life and universal life) will likely drop by 3 percent in 2006.This is because people are living longer (what the insurance business calls "mortality improvements) and also because of competition.One will be able to see these improvements instantly on the www.lifeinsure.com insurance quotes engine as these changes come about.Term life insurance rates have been in a downward trajectory for the last 20 years or so.The biggest rate reductions that we have seen have been for the most healthy people who don't use tobacco which the life insurance companies call the "best risks".The lowest rates available in 2005 are more than 50 percent lower than term life insurance rates from a decade ago.There are two major types of life insurance; permanent life insurance and term life insurance.
Permanent...
Term life insurance > Life Insurance Rates Continue to Drop