Jay Gray

June 11, 2014

Life Insurance and health insurance broker Big Bear LakeYou spent your life creating a stable financial foundation for you and your family, however setbacks and misfortune do happen. If you don’t protect your investments with adequate insurance, you could end up facing financial ruin and your whole family might pay the price. You have an obligation to yourself and your family to insure your life, health, and your property.

Different life stages require different types of insurance needs, so it is crucial to check your policies to ensure you have the best coverage to fit your needs. The general rule is to review your Health plan policy annually and your life insurance policy every two years.

What Insurance Agency in Big Bear Lake Can You Trust?

With countless Insurance companies all claiming to be the best how can you know you’re getting the most beneficial deal? A number of consumers and business owners have relied on Insurance brokers. An Insurance Broker is an unbiased liaison between the insurance company and the consumer. A broker’s job is to put together the best policies for their client’s needs and their budget. They give independent advice formed on knowledge of Medicare, healthcare insurance, and life insurance. The main difference between an insurance broker and an agent is the agent works for the insurance company; however a broker works for you and holds no allegiance to one particular company.

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Finding a Great Medicare Broker in Big Bear Lake

Unless you have reached 65 most people don’t know about Medicare, however you understand a portion of your wage goes into it. Medicare’s divided into different parts. Part A pays for you and your spouse’s hospital care; if you have paid payroll taxes into it for a minimum of 10 years. If you haven’t paid enough in you can buy Part A coverage. Part B covers your Physician Visits and outpatient care. Part B coverage is not free and you pay a monthly premium for this. Part D covers your prescriptions and you pay a premium for this plan. If you do not have Part D Prescription benefits you will be penalized eventually when you do try and apply for it.

Choose a Medicare Broker that offers numerous companies and products so you have the option to choose the company that fits your needs and budget.

Just Us Insurance Has the Most Knowledgeable Life Insurance Agents in Big Bear Lake

Did you know lot of people never buy enough life insurance and that a third of all companions don’t have life insurance at all? When obtaining life insurance you should ask yourself some important questions. How much does your income benefit your family’s financial stability? How will your family pay the final expenses? Most life insurance policies are one of two types; either term or permanent. The main difference between the two is term insurance is cheaper and can buy more coverage for a set period of time where as permanent insurance will cost you more, but it is more flexible, will last usually as long as you keep making payments, and many times can build cash value.

Health Insurance Agent In Big Bear Lake

It is now required that you have Health Insurance and you will receive a tax penalty if you do not have coverage in 2014.

When you are looking for health insurance you need to understand three things. The main difference between an HMO and a PPO, is that with an HMO plan, you need to decide upon a primary doctor who will refer you if you need to see a specialist. A PPO doesn’t require a referral.

Get an Insurance Quote through Big Bear Lake’s Best – Just Us Insurance Agency

Once you have decided how much insurance you need and what type of coverage you need, you need to get quotes. When the companies compete then the consumer gets a higher quality policy at a lower price than if they had gone to the insurance company directly.

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