Cheap Term Life Insurance Quotes - Where to Get Them
by Brian Stevens
Cheap term life insurance quotes are easy to find. In fact, term life insurance is the cheapest kind of life insurance you can buy. Even so, you want to make sure you get the best deal on your term life insurance, which means taking a little time to decide how much insurance you need, getting several quotes to compare, then investigating the insurance companies.
Decide How Much Insurance You Need
You may have term life insurance through your employer, with coverage equal to one or two times your annual salary. This is usually not enough life insurance to protect your family. Instead, you may need five to ten times your annual salary, depending on how many children and how much debt you have.
Even parents who don't have jobs need term life insurance. If your primary job is to take care of your children, your spouse will likely have to pay someone else to take care of them if you die.
You'll also want to decide what term you want. You can buy term life insurance for periods of one to thirty years.
Get Several Quotes to Compare
The best way to know that you've found cheap term life insurance is to compare quotes from several companies. The Internet makes this task easy - you can go to insurance web sites, complete one form, and get fast quotes from multiple A+ rated life insurance companies.
On the best insurance websites you can even get quick answers to your insurance questions by chatting online with an insurance professional (see link below).
Investigate Insurance Companies
Once you have your term life insurance quotes, you'll want to check the ratings of the insurance companies. After all, you want a cheap quote, but you also want a company that's stable and will be able to pay your life insurance claim.
To check the ratings of an insurance company, your best source is a credit agency like Standard & Poor's (standardandpoors.com), or a financial rating company like A.M. Best (ambest.com). You can also check with your state's department of insurance website to see how many claims have been filed against a particular company.
Visit http://www.LowerRateQuotes.com/life-insurance.html or click on the following link to get cheap term life insurance quotes from top-rated companies in your area and see how much you can save. You can get insurance tips in their "Articles" section.
About the Author
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting cheap term life insurance quotes.
Friday, April 20, 2007
Tuesday, April 17, 2007
Life Insurance For A Successful Business Owner, Life Insurance is ALWAYS The Answer
Life Insurance For A Successful Business Owner, Life Insurance is ALWAYS The Answer
by Wayne Messick
If life insurance is ALWAYS the answer, what's the question?
The question is, "what is the most effective way of adding cash to your business, at the most and often the most unexpected time?"
When someone dies, usually a surprise to everybody, cash is required. It's required to repay loans, it's required to replace a key person, and it's required to pay taxes.
Make no mistake about it, cash will be required and it will have to come from someplace.
Where will the cash come from? Will someone drop off a check, will you simply take the cash out of savings, or will you have to raise the money some other way?
In over three decades working with business owners I can count on the fingers of one hand the number of people who had the liquid assets required to pay all the bills.
If you are one of those rare individuals I salute you. I am sure that sort of financial security did not happen by accident.
Let's face it, these people had to be successful enough to make enough of a profit (after income taxes) to save enough money (taxes again?) and have enough time for it to multiply - thanks to the miracle of compound interest.
Does it make sense to use these dollars - that were so hard to create - to pay taxes and loans? Especially when they could have bought the dollars they would need for these expenses, for literally pennies apiece.
This article is not for those fortunate few, since they are few and far between and have no doubt figured this fact out for themselves anyway.
For the rest of us, what should we do? Well maybe we can raise enough money at a moment's notice, maybe tomorrow, to pay all the required expenses resulting from a 'premature' death.
How's that going to work out? If you are like most business owners at least 80% of all your assets are tied up directly or indirectly in the business. These assets are being used by the business to generate your revenues.
Sell one of these assets and its corresponding ability to help your business generate revenues is taken away forever. So selling an asset that is currently part of your company's backbone - in order to give the money away to the tax man or your banker does not make common sense, much less financial sense.
Why not borrow the money to pay debts, taxes and other final expenses? That's the ticket!
You have excess income now so - borrow the money to pay the taxes, pay the mortgages, pay off your partner's widow, then pay it all back plus interest from future earnings. Sounds about right doesn't it?
But just to make sure, go to the bank in the morning and run this by your banker. Ask how this scenario would work out. Have the banker add up the numbers and then sign a contract guaranteeing that they will loan your the money, no matter what the state of your business is or when the need arises.
This is a way to see just how confident they are about your ability to make this work. What do you think your banker will do?
If your business is incorporated maybe you can raise the money to pay taxes, mortgages and buy out your fellow shareholders stock - by selling some of your stock in your company.
Now you can't sell so much that you lose control of the business. Just sell a minority interest and you'll have the money you need and you won't have to pay it back.
Be serious. Where do you think you'll find someone willing to pay cash for a minority interest in a privately owned company that has never paid a dividend? Anyone that naive is not going to have the money - unless they inherited it. Is this the sort of person you want for a partner to help you grow your business in the future?
There are lots of scenarios. Actually I feel silly make the above suggestions. You and I both know you would never have been successful in the first place if you believed any of them are really actionable, practical, or viable.
Don't panic. Maybe there is another solution.
Ask your spouse to call your lawyer and set up an appointment - without you. At the meeting tell the lawyer you died the night before and it's critical to get a handle on the current situation.
How much cash will be required, when and by whom? What about your partner and what are the cash requirements to continue the company into the future the way you would have wanted it?
If you have successors and key employees and managers - what will happen to them and their security and can the business afford to hire a replacement for you, meet the cash obligations, and have enough money left over for your spouse?
But you're not going to do that are you? You do not have the courage. And if you did, would your lawyer's advice pass the sniff test? Is it the advice they would give their spouse?
In my experience there are many ways, some complicated and some simple, through business and estate planning strategies to reduce your future liabilities. If you have enough time that is.
There are lots of planning possibilities if you start soon enough and have long enough for the planning to work.
Life insurance buys you the time you need!
So, let's cut to the chase. Before the sun sets tomorrow, talk to a life insurance agent you trust!
It's critical you trust them, so you'll be willing to tell the truth about what you owe, what you own, and what commitments you've made.
If they are experts in estate and business planning for people like you, great! They will have ideas that have worked for people you can identify with - people you can call on the phone.
And if they are not an expert in business and estate planning, it's not important it. In fact if you are the only (or largest) business owner they know - it's not important, if you trust them.
I guarantee you they'll have someone in their organization, someone they trust, that is experiences helping people just like you solve problems just like yours!
They have seen it all before. You think your business is unique, wrong. You think your family situation is unique, wrong again. You think you, your partners, and your key employees will live forever - or at least until you have everything set up, you're delusional.
It's my bet that your trusted life insurance agent will be the most valuable part of the whole planning equation.
Not only have they seen what works and what doesn't, not only do they have dozens of products that can be massaged into liquidity producing instruments, they are the only people on earth who can guarantee you that your business will have the money it needs - the very moment it needs it.
To help you along in the process of considering what kinds of life insurance and what kind is right for you, we collected a hundred or so articles about life insurance.
About the Author
You'll find the life insurance articles you're looking for by going to http://www.iBizResources.com and using our keyword based internal search engine. Or you can go directly to our Life Insurance Article Directory for 100 articles.
by Wayne Messick
If life insurance is ALWAYS the answer, what's the question?
The question is, "what is the most effective way of adding cash to your business, at the most and often the most unexpected time?"
When someone dies, usually a surprise to everybody, cash is required. It's required to repay loans, it's required to replace a key person, and it's required to pay taxes.
Make no mistake about it, cash will be required and it will have to come from someplace.
Where will the cash come from? Will someone drop off a check, will you simply take the cash out of savings, or will you have to raise the money some other way?
In over three decades working with business owners I can count on the fingers of one hand the number of people who had the liquid assets required to pay all the bills.
If you are one of those rare individuals I salute you. I am sure that sort of financial security did not happen by accident.
Let's face it, these people had to be successful enough to make enough of a profit (after income taxes) to save enough money (taxes again?) and have enough time for it to multiply - thanks to the miracle of compound interest.
Does it make sense to use these dollars - that were so hard to create - to pay taxes and loans? Especially when they could have bought the dollars they would need for these expenses, for literally pennies apiece.
This article is not for those fortunate few, since they are few and far between and have no doubt figured this fact out for themselves anyway.
For the rest of us, what should we do? Well maybe we can raise enough money at a moment's notice, maybe tomorrow, to pay all the required expenses resulting from a 'premature' death.
How's that going to work out? If you are like most business owners at least 80% of all your assets are tied up directly or indirectly in the business. These assets are being used by the business to generate your revenues.
Sell one of these assets and its corresponding ability to help your business generate revenues is taken away forever. So selling an asset that is currently part of your company's backbone - in order to give the money away to the tax man or your banker does not make common sense, much less financial sense.
Why not borrow the money to pay debts, taxes and other final expenses? That's the ticket!
You have excess income now so - borrow the money to pay the taxes, pay the mortgages, pay off your partner's widow, then pay it all back plus interest from future earnings. Sounds about right doesn't it?
But just to make sure, go to the bank in the morning and run this by your banker. Ask how this scenario would work out. Have the banker add up the numbers and then sign a contract guaranteeing that they will loan your the money, no matter what the state of your business is or when the need arises.
This is a way to see just how confident they are about your ability to make this work. What do you think your banker will do?
If your business is incorporated maybe you can raise the money to pay taxes, mortgages and buy out your fellow shareholders stock - by selling some of your stock in your company.
Now you can't sell so much that you lose control of the business. Just sell a minority interest and you'll have the money you need and you won't have to pay it back.
Be serious. Where do you think you'll find someone willing to pay cash for a minority interest in a privately owned company that has never paid a dividend? Anyone that naive is not going to have the money - unless they inherited it. Is this the sort of person you want for a partner to help you grow your business in the future?
There are lots of scenarios. Actually I feel silly make the above suggestions. You and I both know you would never have been successful in the first place if you believed any of them are really actionable, practical, or viable.
Don't panic. Maybe there is another solution.
Ask your spouse to call your lawyer and set up an appointment - without you. At the meeting tell the lawyer you died the night before and it's critical to get a handle on the current situation.
How much cash will be required, when and by whom? What about your partner and what are the cash requirements to continue the company into the future the way you would have wanted it?
If you have successors and key employees and managers - what will happen to them and their security and can the business afford to hire a replacement for you, meet the cash obligations, and have enough money left over for your spouse?
But you're not going to do that are you? You do not have the courage. And if you did, would your lawyer's advice pass the sniff test? Is it the advice they would give their spouse?
In my experience there are many ways, some complicated and some simple, through business and estate planning strategies to reduce your future liabilities. If you have enough time that is.
There are lots of planning possibilities if you start soon enough and have long enough for the planning to work.
Life insurance buys you the time you need!
So, let's cut to the chase. Before the sun sets tomorrow, talk to a life insurance agent you trust!
It's critical you trust them, so you'll be willing to tell the truth about what you owe, what you own, and what commitments you've made.
If they are experts in estate and business planning for people like you, great! They will have ideas that have worked for people you can identify with - people you can call on the phone.
And if they are not an expert in business and estate planning, it's not important it. In fact if you are the only (or largest) business owner they know - it's not important, if you trust them.
I guarantee you they'll have someone in their organization, someone they trust, that is experiences helping people just like you solve problems just like yours!
They have seen it all before. You think your business is unique, wrong. You think your family situation is unique, wrong again. You think you, your partners, and your key employees will live forever - or at least until you have everything set up, you're delusional.
It's my bet that your trusted life insurance agent will be the most valuable part of the whole planning equation.
Not only have they seen what works and what doesn't, not only do they have dozens of products that can be massaged into liquidity producing instruments, they are the only people on earth who can guarantee you that your business will have the money it needs - the very moment it needs it.
To help you along in the process of considering what kinds of life insurance and what kind is right for you, we collected a hundred or so articles about life insurance.
About the Author
You'll find the life insurance articles you're looking for by going to http://www.iBizResources.com and using our keyword based internal search engine. Or you can go directly to our Life Insurance Article Directory for 100 articles.
Sunday, April 15, 2007
How to Find Affordable Universal Life Insurance Rates
How to Find Affordable Universal Life Insurance Rates
by Brian Stevens
Looking for universal life insurance? Here's how to find affordable life insurance rates quickly and easily.
Universal Life Insurance
Universal life insurance is a modified, flexible form of whole life insurance. Part of your premium goes toward insurance coverage, while the rest is invested to increase the policy's cash value.
Benefits of Universal Life Insurance
Universal life insurance is the most flexible of all life insurance plans:
* It lets you choose the amount of protection you want, increasing or decreasing your coverage as your needs change.
* It lets you control the amount and frequency of your payments. If you have extra cash, you can pay more and the extra money grows tax-deferred. If you're short on cash, you can pay less and let the policy's accumulated cash value pay the remainder of the monthly charges.
If you do decide to invest in a universal life insurance policy, be sure you plan to keep the policy for at least 15 years. It will usually take that long before you are eligible for any return on the policy.
Affordable Universal Life Insurance Rates
When you buy life insurance, you want a policy that will take care of your family's needs without costing an arm and a leg. The easiest way to find affordable universal life insurance is to go to an online comparison website.
Once there you'll be asked to fill out a simple form that will allow you to tailor you life insurance to your needs. You'll get fast quotes from multiple companies, then you can choose the best rate.
Some websites even offer a chat feature that lets you talk online with an insurance expert and get answers to all your questions (See link below.)
Get the Company's Rating
You're counting on your insurance company to take care of your family in case of your death. Therefore, you want to choose a company that's safe and reliable. Before you decide on a company, go to the A.M Best website (ambest.com) to check the company's financial rating.
Visit http://www.LowerRateQuotes.com/life-insurance.html or click on the following link to get affordable universal life insurance rates in your area from top-rated companies and see how much you can save. You can get more renters insurance tips by checking out their "Articles" section.
About the Author
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on affordable universal life insurance rates.
by Brian Stevens
Looking for universal life insurance? Here's how to find affordable life insurance rates quickly and easily.
Universal Life Insurance
Universal life insurance is a modified, flexible form of whole life insurance. Part of your premium goes toward insurance coverage, while the rest is invested to increase the policy's cash value.
Benefits of Universal Life Insurance
Universal life insurance is the most flexible of all life insurance plans:
* It lets you choose the amount of protection you want, increasing or decreasing your coverage as your needs change.
* It lets you control the amount and frequency of your payments. If you have extra cash, you can pay more and the extra money grows tax-deferred. If you're short on cash, you can pay less and let the policy's accumulated cash value pay the remainder of the monthly charges.
If you do decide to invest in a universal life insurance policy, be sure you plan to keep the policy for at least 15 years. It will usually take that long before you are eligible for any return on the policy.
Affordable Universal Life Insurance Rates
When you buy life insurance, you want a policy that will take care of your family's needs without costing an arm and a leg. The easiest way to find affordable universal life insurance is to go to an online comparison website.
Once there you'll be asked to fill out a simple form that will allow you to tailor you life insurance to your needs. You'll get fast quotes from multiple companies, then you can choose the best rate.
Some websites even offer a chat feature that lets you talk online with an insurance expert and get answers to all your questions (See link below.)
Get the Company's Rating
You're counting on your insurance company to take care of your family in case of your death. Therefore, you want to choose a company that's safe and reliable. Before you decide on a company, go to the A.M Best website (ambest.com) to check the company's financial rating.
Visit http://www.LowerRateQuotes.com/life-insurance.html or click on the following link to get affordable universal life insurance rates in your area from top-rated companies and see how much you can save. You can get more renters insurance tips by checking out their "Articles" section.
About the Author
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on affordable universal life insurance rates.
Saturday, April 14, 2007
Sharing the secret of success
Sharing the secret of success
by Marty Keller
What Happens When 3 Extraordinary Teachers from "the Secret" Come Together to Teach the Science of Getting Rich? By (Marty Keller)
The Science of Getting Rich is a timeless classic written in 1910 by Wallace D. Wattles. It is a bold title for a book and suggests that getting rich is a predictable outcome if one can master the principles outlined in the book. Here is how Wallace D. Wattles puts it in his own words, "The ownership of money and property comes as a result of doing things in a certain way. Those who do things in this certain way, whether on purpose or accidentally, get rich. Those who do not do things in this certain way, no matter how hard they work or how able they are, remain poor. It is a natural law that like causes always produce like effects. Therefore, any man or woman who learns to do things in this certain way will infallibly get rich."
Certainly, this book is well referenced by many of the great teachers today and it is the same book that inspired Rhonda Byrne to produce that runaway success "the Secret". Here is what Rhonda Byrne said on her introductory note to the book, "I can honestly say that, since that first night when a tattered printed manuscript found its way to me (thanks to one of my daughters), my life has never been the same. Once you read it for yourself, you will understand why". Rhonda went on to produce the movie "the Secret" and the best-selling book of the same title which has sold millions of copies worldwide.
However, learning how to do things in that "certain way" as described by Wallace D. Wattles may be more challenging for some as the book was written nearly 100 years ago. Some of the language is a little dated and much of its wisdom lost from a modern day perspective.
Fortunately, a new training seminar for the Science of Getting Rich has brought the wisdom of this timeless classic back to life for modern readers. Called "the Science of Getting Rich", this program is the most comprehensive training system for mastering Wallace D. Wattles wealth creation philosophies and principles since its creation. It comprises written, audio and live seminar formats for learning, applying and mastering the Science of Getting Rich.
A unique "twist" to the program is the fact that it has an in-built vehicle for creating substantial financial wealth through its affiliate program. This is truly a unique wealth education and wealth-building program designed to empower any individual with the resources to get rich. It is a program whose time has come. The program would not be possible without the original text from Wallace D. Wattles, the skills of leading teachers of our time, the phenomenal success of "the Secret" and the Internet as a learning and distribution tool. Copy and paste the link below to learn more about the Secret Science of Getting Rich and the details of the program. http://positive1.thesgrprogram.com
The Science of Getting Rich Teachers: Bob Proctor Learn The Secret Behind The Science of Getting Rich http://positive1.thesgrprogram.com
Bob Proctor is an author, lecturer, counselor, business consultant, entrepreneur, and teacher preaching the gospel of positive thinking, self-motivation and maximizing human potential. In that endeavor, he follows in the footsteps of such motivational giants as Napoleon Hill, Earl Nightingale and Wallace D. Wattles.
His extraordinary teaching ability has won Proctor acclaim around the globe and has carried the Canadian-born motivator to the far reaches of the earth. He is as well known in Australia and Malaysia as he is in Alberta and Mississippi.
Born in a little town in northern Ontario, Canada with the low self-esteem that often befalls a family's middle child, he performed poorly in school, dropped out and did a hitch in the navy. Afterward he drifted from one dead-end job to another until a friend introduced Bob to the concept of self-development through Napoleon Hill's classic Think and Grow Rich.
With the spark generated by Hill's words, Proctor found the initiative to start an office cleaning business, which he grew to international scope in his first year of operation. From that experience - after seeing what he had been able to accomplish with just a rudimentary knowledge of personal motivation and goal setting - he hungered for more information.
His quest took him to the Nightingale-Conant organization to study under his mentor, Earl Nightingale. Once on board, he rose swiftly through the ranks. Eventually, while the Nightingale-Conant organization assumed the forefront in wide-scale distribution of personal development programs, Bob felt the need to take his ideas and methods directly to the individual, to the one-on-one level, which had proved so successful for himself.
In the mid 1970's, Proctor established his own seminar company and secured a contract to work with a few hundred agents of Prudential Life Insurance Co. of America in Chicago. During his first seminar Bob made the suggestion that any agent present could write $5 million in business that year if the agent made a decision to do so.
The fact that the seminar took place in July with the year half over and that no agent in that region had ever written so much business in the 100-year history of the company made Bob's suggestion appear to be outrageous. However, when the performance level of the entire division increased substantially with more than one agent actually accomplishing the deed, Bob's reputation as a motivator was established.
Over the ensuing years, Proctor has shared his special message and expertise with hundreds of business entities worldwide and, through a program of live seminars, with thousands of people of all ages in all walks of life.
Meanwhile, in addition to his international best seller You Were Born Rich, he found time to author other works as well, including Mission in Commission, The Winner's Image, The Goal Achiever, The Success Series, The Success Puzzle, The Recruiting Puzzle, and Being Your Very Best. Copy and paste the link below now to find out for yourself at http://positive1.thesgrprogram.com Jack Canfield
Jack Canfield is an American motivational speaker, trainer and author. He is best known as the founder and co-creator of The New York Times No. 1 best-selling "Chicken Soup for the Soul" book series, which currently has over 65 titles and 80 million copies in print in over 37 languages. According to USA Today, Canfield and his writing partner, Mark Victor Hansen, were the top-selling authors in the United States in 1997.
With a BA from Harvard University, a Masters from University of Massachusetts, and an honorary doctorate from the University of Santa Monica, Canfield has been a high school and university teacher, a workshop facilitator, a psychotherapist, and for the past 30 years, a leading authority in the area of self-esteem and personal development.
Canfield is the founder of "Self Esteem Seminars" in Santa Barbara, and "The Foundation for Self Esteem" in Culver City, California. Self Esteem Seminars trains entrepreneurs, educators, corporate leaders and employees on how to accelerate the achievement of their personal and professional goals, while The Foundation for Self Esteem provides self-esteem resources and trainings to social workers, welfare recipients and human resource professionals. Canfield is also the President of Souperspeakers.com, a speaking resource service that provides inspirational speakers for event planners worldwide.
Canfield has traveled to over 21 countries, delivering hundreds of keynote speeches, workshops and trainings each year. As part of his presentation style, he always uses inspirational, motivational and uplifting stories to help his audiences discover, experience and retain key concepts and approaches. After each session, audiences everywhere had encouraged him to put his stories into a single book.
In 1990, while on an airplane home, he felt that it was time. He shared his idea with author Mark Victor Hansen during breakfast one day. Hansen liked the idea, and so began the Chicken Soup for the Soul phenomenon. But with their busy schedules, translating what worked on the podium onto the written page proved more challenging than either of them had anticipated. After three long years, the two had compiled just sixty-eight stories -- a far cry from the 101 they believed was the magic number for a successful book. Nonetheless, their successful partnership has spawned many other titles that have made them enormously famous.
Canfield has appeared on numerous television shows, including Good Morning America, 20/20, Eye-to-Eye, CNN's Talk Back Live, PBS and the BBC. Today, he speaks shares his success strategies with companies and associations worldwide.
The most recent book Canfield has written was the 2005 publication of The Success Principles. In it Canfield shares 64 principles that he and other people have utilized to achieve great levels of success.
Please copy and paste the following link to get started right away and enjoy yourself while moving in the right direction for a wonderful life.
http://positive1.thesgrprogram.com
© LifeSuccess Productions 2007. All rights reserved.
About the Author
After 21 years of working for someone else, I was handed a small book entitled "The Science of Getting Rich". After reading and digesting the ideas in this book and applying them to all of the aspects of my life, I was able to retire from that position by creating and attracting wealth and abundance into all areas of my life. My new mission in life is to share this with everyone and help them benefit in their lives as well.
by Marty Keller
What Happens When 3 Extraordinary Teachers from "the Secret" Come Together to Teach the Science of Getting Rich? By (Marty Keller)
The Science of Getting Rich is a timeless classic written in 1910 by Wallace D. Wattles. It is a bold title for a book and suggests that getting rich is a predictable outcome if one can master the principles outlined in the book. Here is how Wallace D. Wattles puts it in his own words, "The ownership of money and property comes as a result of doing things in a certain way. Those who do things in this certain way, whether on purpose or accidentally, get rich. Those who do not do things in this certain way, no matter how hard they work or how able they are, remain poor. It is a natural law that like causes always produce like effects. Therefore, any man or woman who learns to do things in this certain way will infallibly get rich."
Certainly, this book is well referenced by many of the great teachers today and it is the same book that inspired Rhonda Byrne to produce that runaway success "the Secret". Here is what Rhonda Byrne said on her introductory note to the book, "I can honestly say that, since that first night when a tattered printed manuscript found its way to me (thanks to one of my daughters), my life has never been the same. Once you read it for yourself, you will understand why". Rhonda went on to produce the movie "the Secret" and the best-selling book of the same title which has sold millions of copies worldwide.
However, learning how to do things in that "certain way" as described by Wallace D. Wattles may be more challenging for some as the book was written nearly 100 years ago. Some of the language is a little dated and much of its wisdom lost from a modern day perspective.
Fortunately, a new training seminar for the Science of Getting Rich has brought the wisdom of this timeless classic back to life for modern readers. Called "the Science of Getting Rich", this program is the most comprehensive training system for mastering Wallace D. Wattles wealth creation philosophies and principles since its creation. It comprises written, audio and live seminar formats for learning, applying and mastering the Science of Getting Rich.
A unique "twist" to the program is the fact that it has an in-built vehicle for creating substantial financial wealth through its affiliate program. This is truly a unique wealth education and wealth-building program designed to empower any individual with the resources to get rich. It is a program whose time has come. The program would not be possible without the original text from Wallace D. Wattles, the skills of leading teachers of our time, the phenomenal success of "the Secret" and the Internet as a learning and distribution tool. Copy and paste the link below to learn more about the Secret Science of Getting Rich and the details of the program. http://positive1.thesgrprogram.com
The Science of Getting Rich Teachers: Bob Proctor Learn The Secret Behind The Science of Getting Rich http://positive1.thesgrprogram.com
Bob Proctor is an author, lecturer, counselor, business consultant, entrepreneur, and teacher preaching the gospel of positive thinking, self-motivation and maximizing human potential. In that endeavor, he follows in the footsteps of such motivational giants as Napoleon Hill, Earl Nightingale and Wallace D. Wattles.
His extraordinary teaching ability has won Proctor acclaim around the globe and has carried the Canadian-born motivator to the far reaches of the earth. He is as well known in Australia and Malaysia as he is in Alberta and Mississippi.
Born in a little town in northern Ontario, Canada with the low self-esteem that often befalls a family's middle child, he performed poorly in school, dropped out and did a hitch in the navy. Afterward he drifted from one dead-end job to another until a friend introduced Bob to the concept of self-development through Napoleon Hill's classic Think and Grow Rich.
With the spark generated by Hill's words, Proctor found the initiative to start an office cleaning business, which he grew to international scope in his first year of operation. From that experience - after seeing what he had been able to accomplish with just a rudimentary knowledge of personal motivation and goal setting - he hungered for more information.
His quest took him to the Nightingale-Conant organization to study under his mentor, Earl Nightingale. Once on board, he rose swiftly through the ranks. Eventually, while the Nightingale-Conant organization assumed the forefront in wide-scale distribution of personal development programs, Bob felt the need to take his ideas and methods directly to the individual, to the one-on-one level, which had proved so successful for himself.
In the mid 1970's, Proctor established his own seminar company and secured a contract to work with a few hundred agents of Prudential Life Insurance Co. of America in Chicago. During his first seminar Bob made the suggestion that any agent present could write $5 million in business that year if the agent made a decision to do so.
The fact that the seminar took place in July with the year half over and that no agent in that region had ever written so much business in the 100-year history of the company made Bob's suggestion appear to be outrageous. However, when the performance level of the entire division increased substantially with more than one agent actually accomplishing the deed, Bob's reputation as a motivator was established.
Over the ensuing years, Proctor has shared his special message and expertise with hundreds of business entities worldwide and, through a program of live seminars, with thousands of people of all ages in all walks of life.
Meanwhile, in addition to his international best seller You Were Born Rich, he found time to author other works as well, including Mission in Commission, The Winner's Image, The Goal Achiever, The Success Series, The Success Puzzle, The Recruiting Puzzle, and Being Your Very Best. Copy and paste the link below now to find out for yourself at http://positive1.thesgrprogram.com Jack Canfield
Jack Canfield is an American motivational speaker, trainer and author. He is best known as the founder and co-creator of The New York Times No. 1 best-selling "Chicken Soup for the Soul" book series, which currently has over 65 titles and 80 million copies in print in over 37 languages. According to USA Today, Canfield and his writing partner, Mark Victor Hansen, were the top-selling authors in the United States in 1997.
With a BA from Harvard University, a Masters from University of Massachusetts, and an honorary doctorate from the University of Santa Monica, Canfield has been a high school and university teacher, a workshop facilitator, a psychotherapist, and for the past 30 years, a leading authority in the area of self-esteem and personal development.
Canfield is the founder of "Self Esteem Seminars" in Santa Barbara, and "The Foundation for Self Esteem" in Culver City, California. Self Esteem Seminars trains entrepreneurs, educators, corporate leaders and employees on how to accelerate the achievement of their personal and professional goals, while The Foundation for Self Esteem provides self-esteem resources and trainings to social workers, welfare recipients and human resource professionals. Canfield is also the President of Souperspeakers.com, a speaking resource service that provides inspirational speakers for event planners worldwide.
Canfield has traveled to over 21 countries, delivering hundreds of keynote speeches, workshops and trainings each year. As part of his presentation style, he always uses inspirational, motivational and uplifting stories to help his audiences discover, experience and retain key concepts and approaches. After each session, audiences everywhere had encouraged him to put his stories into a single book.
In 1990, while on an airplane home, he felt that it was time. He shared his idea with author Mark Victor Hansen during breakfast one day. Hansen liked the idea, and so began the Chicken Soup for the Soul phenomenon. But with their busy schedules, translating what worked on the podium onto the written page proved more challenging than either of them had anticipated. After three long years, the two had compiled just sixty-eight stories -- a far cry from the 101 they believed was the magic number for a successful book. Nonetheless, their successful partnership has spawned many other titles that have made them enormously famous.
Canfield has appeared on numerous television shows, including Good Morning America, 20/20, Eye-to-Eye, CNN's Talk Back Live, PBS and the BBC. Today, he speaks shares his success strategies with companies and associations worldwide.
The most recent book Canfield has written was the 2005 publication of The Success Principles. In it Canfield shares 64 principles that he and other people have utilized to achieve great levels of success.
Please copy and paste the following link to get started right away and enjoy yourself while moving in the right direction for a wonderful life.
http://positive1.thesgrprogram.com
© LifeSuccess Productions 2007. All rights reserved.
About the Author
After 21 years of working for someone else, I was handed a small book entitled "The Science of Getting Rich". After reading and digesting the ideas in this book and applying them to all of the aspects of my life, I was able to retire from that position by creating and attracting wealth and abundance into all areas of my life. My new mission in life is to share this with everyone and help them benefit in their lives as well.
Friday, April 13, 2007
Term Life Insurance Explained
Term Life Insurance Explained
by Lorna Goldsborough
To protect your loved ones, life insurance is something that you need to look into. Term life insurance is one type of life insurance that you can investigate. There are several advantages and factors that might make this particular type of life insurance appropriate for you.
Essentially, term life insurance provides coverage for a certain amount of time; for instance, they can be bought for spans of one, five or ten years. After the span that the insurance has been purchased for expires, and if the subject of the policy has not died, there is usually a possibly for renewal of the policy, but there is no cash surrender value. As with other forms of life insurance, if you perish before the end of the policy, your beneficiary will receive the promised funds.
Term life insurance is considered to be pure insurance protection because there is no accumulation of cash value. Once the term ends, there is no payment. Because of this, a term life insurance policy cannot be considered as collateral security for loans. One advantage of this is that, combined with the fact that term life insurance policies are so inexpensive, that money can be put into other funds that all typically outperform life insurance in terms of profitability. Term life insurance, when coupled with things like CDs and mutual funds, can be an excellent plan for families, which have both a need for insurance and for investments that pay off quickly.
Term life insurance is the cheapest form of life insurance available, and thus ideal for families need coverage to protect against the financial distress of the death of a family member. Whole life insurance, for instance, costs thousands dollars a year, while term life insurance is seldom goes over three figures per year. The affordability is definitely one of the advantages of term life insurance, allowing needed funds to be diverted elsewhere.
A term life insurance policy is ideal for responsible family planning. For instance, parents can purchase policies that will expire when their children are adults, ensuring that the child will be taken care if should something happen to their mother or father. Thinking further ahead, a policy could be purchased to make sure the child will be able to finish college in the event of a parent's demise. This type of insurance policy can also be used as security against a mortgage. The term for the policy can match the mortgage, for instance, primarily as a protection against the death of someone who contributes to the mortgage's payment.
Term life insurance is one of many options for individuals seeking coverage. While there are policies that are more inclusive and have cash returns, there are still many advantages to term life insurance polices that make them ideal for a wide variety of people.
About the Author
Find out more about term life insurance by visiting http://insurance.ideas-and-tips.com
by Lorna Goldsborough
To protect your loved ones, life insurance is something that you need to look into. Term life insurance is one type of life insurance that you can investigate. There are several advantages and factors that might make this particular type of life insurance appropriate for you.
Essentially, term life insurance provides coverage for a certain amount of time; for instance, they can be bought for spans of one, five or ten years. After the span that the insurance has been purchased for expires, and if the subject of the policy has not died, there is usually a possibly for renewal of the policy, but there is no cash surrender value. As with other forms of life insurance, if you perish before the end of the policy, your beneficiary will receive the promised funds.
Term life insurance is considered to be pure insurance protection because there is no accumulation of cash value. Once the term ends, there is no payment. Because of this, a term life insurance policy cannot be considered as collateral security for loans. One advantage of this is that, combined with the fact that term life insurance policies are so inexpensive, that money can be put into other funds that all typically outperform life insurance in terms of profitability. Term life insurance, when coupled with things like CDs and mutual funds, can be an excellent plan for families, which have both a need for insurance and for investments that pay off quickly.
Term life insurance is the cheapest form of life insurance available, and thus ideal for families need coverage to protect against the financial distress of the death of a family member. Whole life insurance, for instance, costs thousands dollars a year, while term life insurance is seldom goes over three figures per year. The affordability is definitely one of the advantages of term life insurance, allowing needed funds to be diverted elsewhere.
A term life insurance policy is ideal for responsible family planning. For instance, parents can purchase policies that will expire when their children are adults, ensuring that the child will be taken care if should something happen to their mother or father. Thinking further ahead, a policy could be purchased to make sure the child will be able to finish college in the event of a parent's demise. This type of insurance policy can also be used as security against a mortgage. The term for the policy can match the mortgage, for instance, primarily as a protection against the death of someone who contributes to the mortgage's payment.
Term life insurance is one of many options for individuals seeking coverage. While there are policies that are more inclusive and have cash returns, there are still many advantages to term life insurance polices that make them ideal for a wide variety of people.
About the Author
Find out more about term life insurance by visiting http://insurance.ideas-and-tips.com
Tuesday, April 10, 2007
Panama as an ideal destination for retirees
Panama as an ideal destination for retirees
by Smythe Bradley
Panama is becoming a popular destination for retirees as a poll conducted by American Association of Retired Persons showed Panama as the 4th best destination in the world for retired persons. International Living magazine rated Panama as the premier place for retirees to settle down. The reasons are not far to seek. Panama offers a decent living at affordable cost. Thus retirees can stretch their dollars a little more by migrating to Panama. It is a safe democratic country with stable government and offers salubrious climate with low wages and taxes.
Some of the advantages of choosing Panama as a retirees' destination are:
* High quality and at the same time affordable medical facilities * Low taxes, in fact all foreign income, capital gains, interest income are completely tax free * Property prices are low about half of that prevailing in states like Florida * Easy connectivity by air. Panama is just a few hours away from southern parts of U.S. * Foreigners enjoy the same property rights as Panamanians and there is no discrimination * Tax exemption is available for new constructions * Panama is an ideal tourists destination with some of the world?s most beautiful beaches and other tourist attractions like adventure and eco tourism * Language is not a problem as English is widely spoken and understood and Panamanians are a friendly people * Americans can feel at home as most of the products and services available in U.S. are available in Panama as well * The Panamanian government offers attractive incentive schemes to woo foreign retirees
Panama enjoys tropical climate with rainforests, wildlife, mountains and sunny beaches. It has good communication and other infrastructure facilities. Some of the incentives offered by Panamanian government to foreign retirees are:
* Retirees planning to settle down in Panama can bring $10,000 worth of personal effects without paying duties * One automobile every 2 years is allowed to be imported without taxes * 25% discount on utility bills; 25% on airline tickets and 30% discount on other forms of transportation * 20% discount on doctor?s fees; 15% on services provided by hospitals in the absence of insurance and * 10% discount on medicines * 50% discount on entrance tickets to movies, sports and other cultural events * 15% discount on loans and 20% discount on professional services
The only country that comes close to Panama in terms of costs and standard of living in Central America is Costa Rica. Panama is a young and growing country and is making great strides economically. Panama government however, does face budgetary problem and the need to provide employment to the growing population and also increase social spending but these factors have not affected foreign retirees so far.
With all the plus points listed above, Panama must be in any retiree's radar for migrating and leading a peaceful retired life.
About the Author
Smythe Bradley is an expat living in The Republic of Panama. He has published many articles on offshore asset protection in panama, panama visas and residency, as well as many other expat issues.
by Smythe Bradley
Panama is becoming a popular destination for retirees as a poll conducted by American Association of Retired Persons showed Panama as the 4th best destination in the world for retired persons. International Living magazine rated Panama as the premier place for retirees to settle down. The reasons are not far to seek. Panama offers a decent living at affordable cost. Thus retirees can stretch their dollars a little more by migrating to Panama. It is a safe democratic country with stable government and offers salubrious climate with low wages and taxes.
Some of the advantages of choosing Panama as a retirees' destination are:
* High quality and at the same time affordable medical facilities * Low taxes, in fact all foreign income, capital gains, interest income are completely tax free * Property prices are low about half of that prevailing in states like Florida * Easy connectivity by air. Panama is just a few hours away from southern parts of U.S. * Foreigners enjoy the same property rights as Panamanians and there is no discrimination * Tax exemption is available for new constructions * Panama is an ideal tourists destination with some of the world?s most beautiful beaches and other tourist attractions like adventure and eco tourism * Language is not a problem as English is widely spoken and understood and Panamanians are a friendly people * Americans can feel at home as most of the products and services available in U.S. are available in Panama as well * The Panamanian government offers attractive incentive schemes to woo foreign retirees
Panama enjoys tropical climate with rainforests, wildlife, mountains and sunny beaches. It has good communication and other infrastructure facilities. Some of the incentives offered by Panamanian government to foreign retirees are:
* Retirees planning to settle down in Panama can bring $10,000 worth of personal effects without paying duties * One automobile every 2 years is allowed to be imported without taxes * 25% discount on utility bills; 25% on airline tickets and 30% discount on other forms of transportation * 20% discount on doctor?s fees; 15% on services provided by hospitals in the absence of insurance and * 10% discount on medicines * 50% discount on entrance tickets to movies, sports and other cultural events * 15% discount on loans and 20% discount on professional services
The only country that comes close to Panama in terms of costs and standard of living in Central America is Costa Rica. Panama is a young and growing country and is making great strides economically. Panama government however, does face budgetary problem and the need to provide employment to the growing population and also increase social spending but these factors have not affected foreign retirees so far.
With all the plus points listed above, Panama must be in any retiree's radar for migrating and leading a peaceful retired life.
About the Author
Smythe Bradley is an expat living in The Republic of Panama. He has published many articles on offshore asset protection in panama, panama visas and residency, as well as many other expat issues.
Tuesday, April 3, 2007
Cheap Life Insurance Makes Preparation Possible
Cheap Life Insurance Makes Preparation Possible
by Ray La Foy
Buying cheap life insurance may be the only way to prepare yourself and especially your loved ones for the unfortunate event of your death. I probably don't have to remind you that death is unavoidable but there really are people who try to be prepared in case something goes wrong.
If you happen to be the only earning member of your family, if something unexpected happens to you leading you to your death, you need to make sure that your loved ones have alternatives. Well-organized people take a structured approach to this by buying life insurance.
Getting insurance is very easy nowadays. There is an impressive number of companies to choose from and so many forms, you probably don't even know where to start. The real difficulty will be filtering through all those options and finding a cheap insurance policy that will give you the coverage you need.
Life policies are very varied in nature. For example, there are insurance policies that cover your death. Then, you can choose life insurance that spans only for a specific period of time, usually somewhere in between 10 and 25 years.
However, it is the cost of these insurance policies that makes some people decide not to go through with it. They have to pay a monthly or annual fee without being to able to see immediate results. This is something that makes people lose their determination. But this is not a very wise decision.
The solution is cheap life insurance. If you are wondering if there is such a thing, the answer is yes, there is. What you need to do to get it is to carefully analyze all the insurance companys' offers. First and foremost, you need to think about your requirements - your own needs. You don't need to accept the first big figure that the insurance company throws at you.
You need to take a look at the premiums, also. The premiums are in direct correlation to the amount of insurance you decide to pay. That's why you need to choose one that will give you the financial freedom to also pay the premium.
The majority of insurance policies also come with added benefits: medical benefit, loss of income benefit, etc. If you don't need them, it's advisable to pass. If you have medical cover through your employer, there's really no need to take on more.
As a last thought, I must tell you that as everything else in life, you need to conduct thorough research if you are to make an educated choice. Make sure you check out as many companies as possible and see what their offers are. Always have your requirements in mind, because it's your necessities that matter.
The truth is if you have a family, you want to do everything for them. Life insurance is a very wise choice to make, as death can occur from the least imaginable of sources. With such insurance, you make sure loved ones and family members are at least a little bit financially comfortable. After all, finding cheap insurance is not that hard.
About the Author
Shop affordable life insurance options:
Cheap life insurance.
http://www.cheaplifeinsurancee.com
Easy, fast life insurance quotes online:
Life insurance quotes.
http://www.lifeinsuranceequote.com
by Ray La Foy
Buying cheap life insurance may be the only way to prepare yourself and especially your loved ones for the unfortunate event of your death. I probably don't have to remind you that death is unavoidable but there really are people who try to be prepared in case something goes wrong.
If you happen to be the only earning member of your family, if something unexpected happens to you leading you to your death, you need to make sure that your loved ones have alternatives. Well-organized people take a structured approach to this by buying life insurance.
Getting insurance is very easy nowadays. There is an impressive number of companies to choose from and so many forms, you probably don't even know where to start. The real difficulty will be filtering through all those options and finding a cheap insurance policy that will give you the coverage you need.
Life policies are very varied in nature. For example, there are insurance policies that cover your death. Then, you can choose life insurance that spans only for a specific period of time, usually somewhere in between 10 and 25 years.
However, it is the cost of these insurance policies that makes some people decide not to go through with it. They have to pay a monthly or annual fee without being to able to see immediate results. This is something that makes people lose their determination. But this is not a very wise decision.
The solution is cheap life insurance. If you are wondering if there is such a thing, the answer is yes, there is. What you need to do to get it is to carefully analyze all the insurance companys' offers. First and foremost, you need to think about your requirements - your own needs. You don't need to accept the first big figure that the insurance company throws at you.
You need to take a look at the premiums, also. The premiums are in direct correlation to the amount of insurance you decide to pay. That's why you need to choose one that will give you the financial freedom to also pay the premium.
The majority of insurance policies also come with added benefits: medical benefit, loss of income benefit, etc. If you don't need them, it's advisable to pass. If you have medical cover through your employer, there's really no need to take on more.
As a last thought, I must tell you that as everything else in life, you need to conduct thorough research if you are to make an educated choice. Make sure you check out as many companies as possible and see what their offers are. Always have your requirements in mind, because it's your necessities that matter.
The truth is if you have a family, you want to do everything for them. Life insurance is a very wise choice to make, as death can occur from the least imaginable of sources. With such insurance, you make sure loved ones and family members are at least a little bit financially comfortable. After all, finding cheap insurance is not that hard.
About the Author
Shop affordable life insurance options:
Cheap life insurance.
http://www.cheaplifeinsurancee.com
Easy, fast life insurance quotes online:
Life insurance quotes.
http://www.lifeinsuranceequote.com
Monday, April 2, 2007
California Residents: Why Health Insurance Is Important
California Residents: Why Health Insurance Is Important
by Evie Newsome
California Residents: Why Health Insurance Is Important
Are you a California resident? If you are, are you currently covered by health insurance? California is filled with a large number of residents who are actually not. If you are currently without health insurance, you will want to look into getting it, as health insurance may have an important impact on your life, your heath, as well as your finances.
When it comes to health insurance, California residents often wonder how it can have an impact on their finances. While a large number of uninsured individuals try to avoid seeking medical attention, whenever possible, there are some instances where it cannot be avoided. Whether you suffer a serious injury that needs medical attention or come down with a cold that just won't go away, you may need to see a doctor or even visit the emergency room. Should you do so while not having insurance; you will be responsible for all of your medical costs. As you likely already know, this can be quite costly. There are a large number of individuals who go into debt each year and a good portion of that debt is from unpaid medical bills. Having health insurance will prevent this from happening to you.
Concerning health insurance, California residents, at least many, are curious as to how it can help to improve their health. As it was mentioned above, there are some instances where you need to seek medical help, regardless of whether or not you have health insurance. California residents, particularly those without medical insurance, try and avoid seeking medical attention, at all costs. While many end up giving in and seeking medical attention, there are still a large number who can successfully hold off seeking treatment; however, it is important to know what could be happening to your body. There are certain illnesses and injuries that can't fix themselves. By avoiding medical treatment, you may have a difficult time healing and you may be putting your body and your health at an even greater risk.
As it was previously mentioned, not having health insurance could be costly. However, there are many California residents who think that it is too much to buy health insurance. California residents who assume this are often making a costly mistake and you are advised against being one of them. Yes, health insurance can be fairly expensive, but the good news is that there are a number of health insurance companies or plans for you to choose from. Examining a number of plans and requesting health insurance quotes is a great way to find affordable health insurance. California residents who take the time to request and compare multiple health insurance quotes are actually surprised with the amount of money they can save on otherwise expensive health insurance.
To get started, you will want to start researching and examining California health insurance. California is full of a number of health insurance companies, like Blue Cross Blue Shield, and others, all of which tend to offer multiple insurance plans to California residents just like you.
About the Author
Evie Newsome is a writer for Every Health Plan . com where you will discover a wealth of resources about Health Insurance California and other related information.
by Evie Newsome
California Residents: Why Health Insurance Is Important
Are you a California resident? If you are, are you currently covered by health insurance? California is filled with a large number of residents who are actually not. If you are currently without health insurance, you will want to look into getting it, as health insurance may have an important impact on your life, your heath, as well as your finances.
When it comes to health insurance, California residents often wonder how it can have an impact on their finances. While a large number of uninsured individuals try to avoid seeking medical attention, whenever possible, there are some instances where it cannot be avoided. Whether you suffer a serious injury that needs medical attention or come down with a cold that just won't go away, you may need to see a doctor or even visit the emergency room. Should you do so while not having insurance; you will be responsible for all of your medical costs. As you likely already know, this can be quite costly. There are a large number of individuals who go into debt each year and a good portion of that debt is from unpaid medical bills. Having health insurance will prevent this from happening to you.
Concerning health insurance, California residents, at least many, are curious as to how it can help to improve their health. As it was mentioned above, there are some instances where you need to seek medical help, regardless of whether or not you have health insurance. California residents, particularly those without medical insurance, try and avoid seeking medical attention, at all costs. While many end up giving in and seeking medical attention, there are still a large number who can successfully hold off seeking treatment; however, it is important to know what could be happening to your body. There are certain illnesses and injuries that can't fix themselves. By avoiding medical treatment, you may have a difficult time healing and you may be putting your body and your health at an even greater risk.
As it was previously mentioned, not having health insurance could be costly. However, there are many California residents who think that it is too much to buy health insurance. California residents who assume this are often making a costly mistake and you are advised against being one of them. Yes, health insurance can be fairly expensive, but the good news is that there are a number of health insurance companies or plans for you to choose from. Examining a number of plans and requesting health insurance quotes is a great way to find affordable health insurance. California residents who take the time to request and compare multiple health insurance quotes are actually surprised with the amount of money they can save on otherwise expensive health insurance.
To get started, you will want to start researching and examining California health insurance. California is full of a number of health insurance companies, like Blue Cross Blue Shield, and others, all of which tend to offer multiple insurance plans to California residents just like you.
About the Author
Evie Newsome is a writer for Every Health Plan . com where you will discover a wealth of resources about Health Insurance California and other related information.
Sunday, April 1, 2007
Florida Health Insurance Quote - Get the Best
Florida Health Insurance Quote - Get the Best
by Brian Stevens
Health insurance rates in Florida are some of the highest in the nation. Here's how to find the cheapest Florida health insurance quotes from top-rated companies.
Florida Health Insurance Plans
There are two types of health insurance plans:
* Indemnity plan - This plan lets you choose your physicians and pays for for all or part of your medical expenses. This is the most expensive health insurance plan.
* Managed care plans (HMOs, PPOs, POSs) - These plans set you up with a network of health care providers and hospitals, and pay for medical expenses within that network. Depending on the plan, you pay all or part of your out-of-network expenses. These plans are the least expensive health insurance plans, with HMOs being the cheapest.
Health Insurance Coverage
Whatever plan you choose it should include the following coverages:
* Hospital coverage - Pays for your room, board, and medical services when you're hospitalized.
* Surgical coverage - Pays for surgeons fees and other surgical expenses.
* Physicians coverage - Pays for your physician's office visits and your physician's hospital visits.
* Major Medical coverage - Pays for medical expenses from a catastrophic injury or illness like cancer.
In addition to the above coverages you may want your plan to include prescription drug coverage, dental care, vision care, mental health care, and maternity care.
Compare Rates
The best way to get the least expensive health insurance quote is to comparison shop. There are a number of online sites that let you compare quotes from different companies so you can choose the best quote and the best plan for your particular situation. If you have questions about health insurance plans some of these sites even have a chat feature that lets you talk with an insurance expert online. (See link below.)
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get Florida health insurance quotes from top-rated companies in your area and see how much you can save. You can get more health insurance tips by checking out their "Articles" section.
About the Author
The author, Brian Stevens, is a former insurance agent and financial consultant who has written numerous articles on Florida health insurance quotes.
by Brian Stevens
Health insurance rates in Florida are some of the highest in the nation. Here's how to find the cheapest Florida health insurance quotes from top-rated companies.
Florida Health Insurance Plans
There are two types of health insurance plans:
* Indemnity plan - This plan lets you choose your physicians and pays for for all or part of your medical expenses. This is the most expensive health insurance plan.
* Managed care plans (HMOs, PPOs, POSs) - These plans set you up with a network of health care providers and hospitals, and pay for medical expenses within that network. Depending on the plan, you pay all or part of your out-of-network expenses. These plans are the least expensive health insurance plans, with HMOs being the cheapest.
Health Insurance Coverage
Whatever plan you choose it should include the following coverages:
* Hospital coverage - Pays for your room, board, and medical services when you're hospitalized.
* Surgical coverage - Pays for surgeons fees and other surgical expenses.
* Physicians coverage - Pays for your physician's office visits and your physician's hospital visits.
* Major Medical coverage - Pays for medical expenses from a catastrophic injury or illness like cancer.
In addition to the above coverages you may want your plan to include prescription drug coverage, dental care, vision care, mental health care, and maternity care.
Compare Rates
The best way to get the least expensive health insurance quote is to comparison shop. There are a number of online sites that let you compare quotes from different companies so you can choose the best quote and the best plan for your particular situation. If you have questions about health insurance plans some of these sites even have a chat feature that lets you talk with an insurance expert online. (See link below.)
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get Florida health insurance quotes from top-rated companies in your area and see how much you can save. You can get more health insurance tips by checking out their "Articles" section.
About the Author
The author, Brian Stevens, is a former insurance agent and financial consultant who has written numerous articles on Florida health insurance quotes.
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