Jay Gray

June 11, 2014

Health Insurance Agent and Life Insurance Broker In MurrietaYou 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 family might pay the price. You have a duty 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 vital to check your policies to ensure that you have the most suitable coverage to fit your needs. The general rule is to review your Health Insurance policy annually and your life insurance coverage every two years.

What Insurance Agency in Murrieta Can You Trust?

With countless Insurance companies all claiming to be the best how can you know you’re getting the best deal? A a great deal 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 based on knowledge of Medicare, health insurance, and life insurance. The main difference between an insurance broker and an agent is the agent serves the insurance company; however a broker benefits you and holds no dedication to one particular company.


Finding a Great Medicare Broker in Murrieta

Unless you have reached 65 most people don’t understand about Medicare, however you realize 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 a decade. If you haven’t paid enough in you can buy Part A coverage. Part B covers your Doctor 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 service. If you do not have Part D Prescription benefits you will be penalized eventually when you do try and enroll for it.

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 Murrieta

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 acquiring 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 time period where as permanent insurance will cost you more, but it is more flexible, will last usually as long as you keep making payments, and often times can build cash value.

Health Insurance Agent In Murrieta

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

When you are considering health insurance you need to understand three things. What does it cover? How much money does it cost? What medical 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 have to choose a primary physician who will refer you if you need to see a specialist. A PPO doesn’t need a referral. Some insurance companies offer a High Deductible Health which will have a lower monthly premium, however the majority of coverage doesn’t start until you fulfill the high deductible. This is a fantastic option for self-employed and someone only interested in catastrophic coverage.

Get an Insurance Quote through Murrieta’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.