Long Term Care Insurance Alternatives
Should We Worry About Long Term Care Insurance?
Since the aging population of the US is growing, more people are concerned about long term care insurance. 
Though rates vary by age, health, location, etc., the cost of private long term care insurance can range from an average about $900 a year at 50 to almost $6,000 a year for a 75 year old. However, nursing home rates are also rising. Some reports peg the average anual cost of a nursing home at about $50,000 a year. So you can see how a long term stay in a nursing facility could, indeed, deplete a family’s resources rather quickly.
Categories: Long Term Care Insurance Tags: Long Term Care Insurance, ltci, nursing home
Assurant Lawsuit – $37 Million to Jennifer Latham
Jennifer Latham Sued Time / Assurant Health for Breach of Contract
Jennifer Latham had an individual health insurance policy with Assurant Health at the time of a severe accident. She and her husband were both injured, but her husband did not have coverage. Jennifer had taken out a policy 5 months before the auto accident. But when the health insurance company began to get claims, they also began to review her application.
Categories: Health Insurance Tags: assurant, denied claim, lawsuit, rescinded policy
Single Premium Life Insurance Explained
Explain Single Premium Life Insurance (SPLI)
As the name implies, single premium life insurance (SPLI) is funded with one large payment. This is different than 
paying monthly premiums like most of us are used to. Since this is whole life, that one lump sum payment will guarantee that the death benefit will be payed upon the insured person’s death. As with any other life policy, the premium will vary by the insured person’s health and age, the insurance company, and the amount of the death benefit.
Categories: Life Insurance Tags: estate, Life Insurance, retirement, single premium life
Health Insurance Reform Simple Explanations
Are There Simple Explanations for Health Insurance Reform?
Lots of us, who have been involved in the health insurance industry, are very aware that we need reform. But what we really need right now is for some health insurance reform simple explanations! The people need to understand why we need some improvements, and how our govenment may be able to help us. This would have to stop all of this tea party craziness and the misinformation being spread around TV and the net. Right?
Health Reform Reality Check
Categories: Health Insurance Tags: health insurance reform, obama
