Are you in the market for life insurance? Well, keep these points in mind but do tread with caution and act prudently.
Shop around and Bargain
Her is how we do the work for you. Shop, Compare, and Bargain! Well, the oldest principle, old as dirt, but still going strong. Once we agree on your coverage, don’t just sign up for the first plan that crosses your eye. Ensure that you let us shop around and get a feel of the market. This would help you to bargain hard and get the greatest coverage at the lowest possible price.
Opt for Term Life Insurance
The quickest way to lower your life insurance premium is to opt for term life insurance policy instead of a whole-life policy. The idea is to keep insurance as what it is and not turn it into an investment product. Thus, you can get yourself insured under term life policy at the fraction of the cost of a whole-life scheme with typically the same coverage amount.
Keep yourself Fit
Be a low-risk proposition for your insurance provider by maintaining a healthy lifestyle and keeping yourself away from addictions such as smoking, drugs, and alcohol. A good health record will result in a considerable reduction in your life insurance premiums.
Consult an Insurance Advisor
To reduce your life insurance premium, the easiest thing you can do is to consult a good insurance agent. Since the agent will be professional in the insurance marketplace, he/she would be able to get you to the most affordable deal in line with your coverage requirements. Essentially a good insurance agent would compare different market rates for you and would also negotiate the best rates on your behalf.
Start at a young age!
Insure yourself at a young age. Life insurance premium at a young age is only a fraction of what it could be when you are well into your middle-age. The premise is young and healthy people are the lowest risk segment. The low mortality risk is a great incentive for insurance companies to insure you at lower premiums. Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Columbia River Insurance Services can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more.
The BBC just posted an article today stating the average Western diet is cutting one in 5 lives short every day which dovetails right in to this newsletter
Don't always believe what you hear- especially when it comes to your health. Here are some nutrition myths we were taught to follow, and according to the experts, we shouldn't have listened to.
Sugar Causes Diabetes
So far, a diet high in calories, being overweight, and an inactive lifestyle are the main risk factors for Type 2 diabetes.
All Fats are bad
The key is to replace bad fats (saturated fats and trans fats) with good fats (monounsaturated fats and polyunsaturated fats) in our diet.
Brown Sugar is better than White Sugar
Unless you eat a gigantic portion of brown sugar every day – the mineral content difference between brown sugar and white sugar is insignificant.
Brown Eggs are more nutritious than White Eggs
Eggshell color can vary, but it has nothing to do with the quality, flavor, nutritive value, cooking characteristics or shell thickness of an egg. The eggshell color only depends upon the breed of the hen.
Avoid seafood to lower blood cholesterol
Saturated fats usually found in meat products and packaged foods, and trans fatty acids, are the most critical factors that raise blood cholesterol, not dietary cholesterol.
Avoid carbohydrate to lose weight
Many low-carb diets do not provide sufficient carbohydrates to your body for daily maintenance. It doesn’t matter if you eat a high or low-carb diet, you will lose weight if you decrease your caloric intake to less than that is needed to maintain your weight.
Avoid nuts as they are fattening
In moderation, nuts can be a part of a healthy diet. Nuts are high in monounsaturated and polyunsaturated fats (good fats) as well as plant sterols which have all been shown to lower LDL cholesterol.
Skipping meals can help lose weight
Often, jumping a meal increases total caloric intake than if we just ate more frequently throughout the day. A better approach is to eat smaller frequent healthy meals and snacks to keep our blood sugar balanced.
So now you know the real truth, and when these come up in conversation again, you can educate your friends and family.
Please keep us in mind at Columbia River Insurance Services when you need a quote for personal or business insurance, or when you want to refer a friend or family member!
If you are new to Medicare, it may seem like there is a lot to learn and adsorb. We are here to help you. Keep this information close to you, and then call us today. We are always available to answer your Medicare questions.
Medicare was created to provide health insurance for all people 65 years of age or older. It has gone through many changes over the years. More recently, a new program was added to help cover prescription drug costs.
Here are some Medicare facts to remember:
1.Using an agent does not cost you anymore.
2.When you are first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B.
3.January 1 to March 31 each year is the standard enrollment period. If you didn't sign up for Part A and/or Part B when you were first eligible, and you aren’t eligible for a Special Enrollment Period (see below), you can sign up during the General Enrollment.
any more your Initial Enrollment Period ends, you may have the chance to sign up for Medicare during a Special Enrollment Period. If you are covered under a group health plan based on current employment, and that plan ends, you can call us for enrollment options
The Affordable Care Act puts consumers back in charge of their health care. Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health.
A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Columbia River Insurance Services.
Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Columbia River Insurance Services can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more.
For years, employers have struggled with the idea of wellness programs. Some employers think that wellness programs are too expensive or just don’t work because employees will do what they want during off time. However, according to the latest studies, an inactive employee will cost as much as $1,500 more per year than an active employee. Twenty-seven percent of medical claims can be related to inactivity, according to the Center for Disease Control (CDC). The CDC report encourages employers who are serious about lowering health care costs, to encourage a more active lifestyle for their employees. The CDC research says that every $1.00 invested in physical activity leads to $3.20 in medical cost savings.
If you've had Medicare Part B for longer than 12 months, you can have an annual wellness visit. One big advantage of this wellness visit is to develop or update your personalized health prevention help plan. Your provider will ask you to fill out a questionnaire, called a “Health Risk Assessment,” as part of this visit. Answering these questions can help you and your provider develop a personalized prevention plan to help you stay healthy and get the most out of your visit. It also includes:
A review of your medical and family history
Developing or updating a list of current providers and prescriptions
Height, weight, blood pressure, and other routine measurements
Detection of any cognitive impairment
Personalized health advice
A list of risk factors and treatment options for you
A screening schedule (like a checklist) for appropriate preventive services.
Wellness visits can actually increase your health by creating an illness prevention plan. It is important for your healthcare professional to get involved in your health management, especially if you have specific health conditions, such as high blood pressure, or diabetes. Since the first day that we opened our agency, it has been our focus and desire to offer our clients the best insurance options available to meet their needs.
As a local independent agency, we represent many companies. We always maintain and deliver personal attention and strive for first class customer service. Our expertise lies within our well trained and experienced agents.
We value your feedback and we want to hear from you. There are a number of ways for you to get in touch with us.
If you would like to speak to us right away, please call us today and speak to any of our experienced Medicare insurance agents. In Vancouver, please call us at 360.883.5776. In Portland, please call us at 503.382.9091. If email is your preference, you may email us at [email protected]