Jay Gray

June 11, 2014

Life Insurance and Health Insurance TemeculaYou 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 responsibility to yourself and your family to insure your life, health, and your property.

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

Health Insurance Agent In Temecula

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 shopping for health insurance you should be aware of 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 must see a specialist. A PPO doesn’t need a referral. Some 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 great option for self-employed and someone only interested in catastrophic coverage.

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What Insurance Agency in Temecula 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.

Finding a Great Medicare Broker in Temecula

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.

Just Us Insurance Has the Most Knowledgeable Life Insurance Agents in Temecula

Did you know many people never buy enough life insurance and that a third of all wives don’t have life insurance at all? When obtaining life insurance you must ask yourself some important questions. What amount 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 less expensive 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 often times can build cash value.

Get an Insurance Quote through Temecula’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. The most suitable place to receive high quality information is from an insurance broker. They make insurance companies bid for their customers business. When the companies compete then the consumer gets a higher quality policy at a lower amount than if they had gone to the insurance company outright. Whether you are getting Health or Life Insurance you want the best policy for the lowest price and have a piece of mind that everything you have sweated for is covered.

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