Jay Gray

June 11, 2014

bigstock-Happy-Family-Portrait-Having-F-2099178You 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 find yourself facing financial ruin and your loved ones might pay the price. You have a duty to yourself and your family to insure your life, health, and your property.

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

Different life stages require different types of insurance needs, so it is vital to check your policies to ensure you have optimal coverage to fit your needs. The rule of thumb is to review your Health Insurance policy annually and your life insurance policy every two years.

What Insurance Agency in El Cajon Can You Trust?

An Insurance Broker is an unbiased liaison between the insurance company and the consumer. They give independent recommendations based on knowledge of Medicare, health 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 loyalty to one particular company.

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Finding a Great Medicare Broker in El Cajon

Part A pays for you and your spouse’s hospital care; if you have paid payroll taxes into it for at least ten years. 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 service.

Choose a Medicare Broker that offers a variety of 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 El Cajon

Did you know most people never buy enough life insurance and that a third of all wives don’t have life insurance at all? When buying life insurance you need to ask yourself some important questions. 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 your more however 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 El Cajon

When you are shopping for health insurance you should understand three things. What does it cover? How much money does it cost? What doctors are covered? There are also three types of coverages: Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs) and High Deductible Health Plan. The main difference between an HMO and a PPO, is that with an HMO plan you must choose a primary physician who will refer you if you will need to see a specialist. A PPO doesn’t need a referral. Some providers offer a High Deductible Health which will have a lower monthly premium, however the majority of coverage doesn’t start until you pay the high deductible. This is a fantastic option for self-employed and someone only interested in catastrophic coverage.

Get an Insurance Quote through El Cajon’s Best – Just Us Insurance Agency

Once you have decided how much insurance you need and what kind of coverage you need, you want to get quotes. The most suitable place to receive high quality information is from an insurance broker. They make insurance companies compete for their customers business. When the companies compete then the consumer gets a better policy at a lower amount than if they had gone to the insurance company direct. Whether you are shopping for Health or Life Insurance you want the most ideal policy for the most affordable price and have a piece of mind that everything you have worked hard for is covered.

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