Jay Gray

June 11, 2014

Life Insurance and Health Insurance Brokers San Marcos

San Marcos Insurance Brokers

You 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.

Different life stages require different kinds 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 plan policy annually and your life insurance plan every two years.

What Insurance Agency in San Marcos Can You Trust?

An Insurance Broker is an unbiased liaison between the insurance company and the consumer. They give independent suggestions 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 San Marcos

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 numerous companies and products so you have the option to choose the company that fits your needs and budget.

Health Insurance Agent In San Marcos

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 looking for health insurance you need to be aware of three things. The main difference between an HMO and a PPO, is that with an HMO plan, you need to select a primary doctor who will refer you if you need to see a specialist. A PPO doesn’t need a referral.

Just Us Insurance Has the Most Knowledgeable Life Insurance Agents in San Marcos

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.

Get an Insurance Quote through San Marcos’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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