Whether or not a child needs life insurance coverage is a widely argued debate. If you examine the following information and feel that you are in a position that would benefit from life insurance being placed on your child, then this would be the best decision for you.
Many people argue that children do not need life insurance. Being as the mortality rate for children is much lower than that of adults, some people feel that such coverage is an unnecessary economic drain on a family. On top of that, insurance is given out to individuals who have something to lose in the event of the untimely death of the individual insured. Adults often provide for their family.
On the other side of the argument, some people feel that having a life insurance policy on a child is a good thing to put in place since it is never too soon to get life insurance coverage. Everyone dies, and these people will be prepared from a fiscal standpoint. As a person gets older, their life insurance premiums almost always increase over time. This is because individuals often open themselves up more to either short-term or long-term life-threatening practices, such as smoking, drinking, driving vehicles including motorcycles and the like. Children are still fairly innocent and limited in their exposure. Children can get some of the lowest insurance premiums offered by life insurance companies. In addition, many life insurance companies that offer coverage for children will keep the premiums the same, no matter how old the child eventually gets. There is definitely an advantage for individuals who have their insurance premiums set when they are three years old as opposed to fifty years old.
For the most part, a family's financial situation will help them to determine which decision might be best for them. If a family has the extra money needed to pay for such a policy, it might be good for the child when it comes to the long-term experiences of their life. Specifically, it would be great for the child when it gets to the point that they would eventually need to file for life insurance coverage. The benefits are often established and developed later, when the child needs to take over such payments and they find out they will be paying a lot less compared to other people their age who are just now taking out life insurance policies
Healthcare reform has created many questions and concerns for individuals. When considering health insurance, you want the most coverage for you and your family. We can provide you with guidance and support in selecting a plan that is best suited for you. We have identified a number of factors for you to consider when selecting an individual plan.
Individuals may also qualify for Special Enrollment Periods outside of Open Enrollment if they experience certain events. These include; getting married, having a baby, losing health insurance, moving, plus others.
There are plenty of health plans available directly from insurers, without going through a marketplace. In fact, some insurers are only selling policies outside the marketplace in some states.
How To Select Your Individual Health Plan
Use an independent agent - We have access to many markets and special programs. This would include coverage under the healthcare reform.
Look at several plans- Each plan offers different levels of coverage.
Consider any dependents- If you have children under age 26 without health insurance coverage through an employer; the law permits them to be on your insurance.
Review many providers- You may want to make sure your primary care physician is in network.
Determine what you need vs. what you want- Determine what you need and focus on that.
Consider deductibles- Plan premiums can vary with high deductibles; this may save you considerable dollars.
Make sure your drugs are covered. You’ll want to make certain that the plan’s formulary, or list of covered medications, includes those you take regularly, especially if they are expensive.
Don't just look at premiums. Figure in other out-of-pocket costs you will face and compare these within each plan. Finally, you should expect your agent to continue advising and helping you even after you purchase a policy. It does not cost you any more to use our services, so call us today
Starting in April 2018, Medicare will begin mailing new Medicare cards to ALL
Medicare beneficiaries. Instead of having members’ Social Security Number on it, this new card will have a unique ID number created just for them. The mailings will take place over a few months’ time, so you may receive a new ID card before a family member or friend.
Why is Medicare sending new ID cards?
To help protect you against identity theft, the new Medicare card will replace your old ID number (which was your Social Security Number) with a new, unique number.
Even though your new card will be more secure, it’s still important that you “guard your card” by keeping it somewhere safe and not providing the information on your card to anyone or any company you don’t trust.
Why is the Medicare number changing?
The ID number on the old Medicare card was based on your Social Security Number. Because identity theft is a growing problem, Medicare is reissuing this more secure card to better protect you. What should I do when I get the new Medicare card?
When you get your new Medicare card in the mail, cut the old one up and toss it in the trash. Put the new card in a safe place and only share that number with people or companies you trust.
When will I get my new Medicare card?
Mailing dates vary across the United States. Medicare will be mailing the cards between April 2018 and June 2018. I received a call from someone who said they were from Medicare, asking me to provide personal information. Should I share this information?
No. Medicare will never call you uninvited to ask for personal or private information. Scam artists may try to get personal information (like your current Medicare Number) by contacting you about your new card. If someone asks you for your information, for money or threatens to cancel your health benefits if you don’t share your personal information, hang up and call Medicare 24 hours a day at 1-800-MEDICARE (1-800- 633-4227). TTY user should call 1-877-486-2048.
Today’s technology has made setting up security precautions such as security cameras a cinch! You no longer need to be a millionaire to set up one. You could even install one yourself! Security cameras provide a means for its owner to watch over his or her property from the safety and convenience of any area he chooses. This type of system is a great deterrent to thievery and unwanted entry. Most organizations that have sensitive items or are off limits to the general public employ these cameras to help keep their places safe.
Purchasing and implementing such a system may save your business from the terrors of illegal entry. Investment in such could save you a whole lot of trouble.
Before purchasing a system, you will want to consider the following factors.
Study your needs. The type of security measures installed will depend on your specific security needs. For example how large is the area you would like covered? How many cameras will it take to monitor this area? You must make sure the security camera system you will purchase can accommodate enough slots for expansion.
Do you need audio too? Some camera systems have audio recording equipment as well so you can not only see what happens but hear it as well. This is important in cases when you would like everything documented. However, this may be costly. Many establishments only require video records of their security.
Also, you must ascertain whether you need to have your security cameras record in color or black and white. Color cameras are, of course, more sophisticated and show a clearer picture. However, they tend to be pricey. Color cameras might also not work in low-light situations.
Consider the location of the cameras. Will the site be hard to set up? In that case, you may want to consider wireless security camera systems. However, these cameras must be in a place that is conducive to high-quality broadcast. There must be no interference. They can, be moved around the area. They are a bit more flexible than their fixed-wire cousins.
Will the camera system be for outdoor purposes? Cameras that monitor outdoor locations need special weatherproof housings and may not be recommended for extreme temperatures and various elements. Also, those that may be vandalized must be protected against such.
Also, you must take into consideration the lighting for an area. If your camera cannot record a scene due to bad lighting, you will end up with muddy images that won’t help in your surveillance activities. Choose a security camera that has excellent sensitivity to light. Also, try to illuminate such areas with external lighting.
You must consider where the power sources will be located. Make sure they are well protected from the elements and tampering.
Consider the available methods for recording the images. You may use a variety of backup media. And with the advent of computer storage media, even the use of hard disks, compact discs, and DVDs can prove to be an inexpensive way to store your data.
Thanks for choosing Columbia River Insurance Services - We know you have many choices when purchasing insurance and we want to thank you for choosing us as your insurance agency. As a professional insurance agency, we pride ourselves on maintaining long-term relationships. Please keep us in mind when your family and friends are looking for a referral!
Medicare Advantage is also called Medicare Part C. It is an alternative to Original Medicare. Most think if they go onto a Medicare Advantage plan that they lose their original Medicare, and that is far from the truth. To enroll in a Medicare Advantage plan you must also be enrolled in Medicare. The Medicare Advantage plan only replaces who is the primary payor.
Medicare Advantage plans are offered by private sector insurance companies, that must contract with Medicare each year. A Medicare Advantage plan must at minimum coverage all the basic coverage covered under Original Medicare. The private sector Medicare Advantage plans combine the benefits of Medicare Part A (hospital benefits) and Medicare Part B(physicians benefits), and in most cases also wrap into their plans Part D (drug benefits) which all becomes a Medicare Part C, all combined into a single plan.
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]