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Please click on the link below to obtain the latest stock quotes: Ok, Lets keep our discussion of life insurance as simple as possible. There are really only 3 categories of LIFE INSURANCE....Whether you are interested in "pure insurance" otherwise called "term" insurance or something "permanent" that will accumulate cash value by either a fixed rate called "whole life" or a variable rate based on stock market performance called "variable life" we need to know a little bit about you and how much insurance you think you need. But first here is a brief description of the 3 categories of insurance: Term insurance is the least expensive life insurance you can buy. It is purchased based on your ability to qualify of course, on a certain amount of years that you would like to be insured and can be guaranteed similar to a fixed mortgage on your home vs. a variable one that undoubtedly will go UP as you get older. A very popular way to buy term insurance is a 20 year level term. For example, a 20 year term will LOCK in your premium rate for 20 years. However, a term policy will typically increase after the 20 years is up and many people will end up NOT keeping it. The game plan here is to cover yourself and your family during the most crucial years of your life and protect against premature death only. For many people this makes good sense and is adequate. Whole Life Insurance, like term insurance is NOT an investment product however is MUCH different than term insurance. Whole life is just that, you pay the premium and you will have the insurance forever. Unlike Variable life, your death benefit is guaranteed.The premium typically stays the same and may someday be PAID UP if you live long enough so that dividends paid in the policy buy paid up insurance. You may borrow from your whole life policy and may even skip payments once you have enough CASH VALUE. To discuss more about whole life vs. term insurance please contact Phil Wieloch or Tif Bush. Variable Life Insurance, similar to whole life in a few features such as the ability to build cash value that potentially can be used as a supplement to retirement or for college expenses or home improvements for example. Your cash value by the way grows tax deferred. However, unlike whole life insurance policies, your policy has a separate account that is invested in the stock market typically in mutual funds that you choose with the help of your agent or in this case broker. To see if variable life might be the right choice contact Phil Wieloch today. Insurance Quote Questionaires Life Insurance Questionaire (Form)
Short Term Health Insurance
There is a significant difference in premium when shopping for temporary health coverage most likely because there is typically "NO Wellness Coverage" on a temporary policy. In other words you must be hurt or sick to qualify for benefits. Do not take the chance for even a few weeks without coverage. It is simply not worth the risk. Contact Tiff or Phil for a quote today. Typically, coverage can begin immediately with most temporary policies and can be done using a fax machine and telephone. Insurance Quote Questionaires Individual Health Insurance Questionaire (Form) Group Health Insurance Questionaire (Form)
click to download the Adobe Acrobat Reader from the Adobe web site Just a word about Disability Insurance . . . Mostly everyone would agree that protecting their family with adequate life insurance is essential in financial planning. However, why is it that hardly anyone buys disability insurance? You are definitely more likely to become disabled than you are to die so why is it that we are so reluctant to protect our most valuable asset? Our ability to earn is our most precious asset so if you would like to do the right thing for you and your family please download and fill in the questionnaire below to see if you qualify for disability insurance. Insurance Quote Questionaires Individual Disability Insurance Questionaire (Form)
click to download the Adobe Acrobat Reader from the Adobe web site Insurance Quote Questionaires Long Term Care Insurance Questionaire (Form)
click to download the Adobe Acrobat Reader from the Adobe web site Much confusion arose from the introduction of the Medicare Prescription Drug coverage that became effective January 1, 2006. Tiff received CMS (Centers for Medicare and Medicaid Services) training and certification to be able to represent the Medicare Advantage Prescription Drug plans. The Medicare Advantage plans include Medicare Part A (Hospital Coverage), Part B (Doctors and Surgery Coverage), a Medicare Supplement and Part D (Prescription Drug Coverage). Tiff has been selling the new Medicare Advantage Prescription Drug coverage since its inception. The open enrollment period was from January 1, 2006 to May 15, 2006. Medicare recipients who chose a Part D plan could make one change between May 16th and June 30th. Thereafter, no more changes were allowed UNLESS you qualified under one of these categories:
Creditable coverage If you did not choose
a Part D plan during the open enrollment period, or want to change out of your existing plan, you may do so in November for a January 1, 2007 effective date. Let Tiff help you choose a Medicare plan during the next open enrollment period beginning November 15, 2006. Ask her to provide a quote comparison for you. Phil Wieloch is not responsible for the links or information on the web sites outside of the Wieloch Financial web site. These links are provided as a convenience to clients and users of the internet. Securities offered through |