Yearly Archives: 2017

Due to the unstable market, health insurance companies are either exiting the market or raising rates. With health insurance becoming increasingly unaffordable, consumers are paying the ultimate price – literally. To help stem the rising costs, consumers should turn to supplemental plans to help cover their out-of-pocket exposure. Instead of […]

Supplemental Insurance: United Commercial Travelers (UCT) Product Overview

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One of the best ways to make health insurance affordable nowadays is with a supplemental plan, paired with a bronze-qualified health plan. Rates for health insurance are steadily increasing. Monthly premiums are skyrocketing, and deductibles are increasingly becoming unaffordable. However, with a bronze plan, the monthly premiums are less; then […]

Supplemental Insurance: National General Product Overview

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The Problem: Rising Health Insurance Rates With June now upon us, it is officially the rate-setting season. It’s the time of year when health insurers tell state and federal regulators how much they plan to charge for premiums next year. However, as of now, the Trump administration has yet to […]

How to Combat Rising Health Insurance Rates in 2017-2018

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Aetna Leaving the Marketplace Health insurance giant Aetna said Wednesday that it will not be participating in any Obamacare exchanges in 2018. T.J. Crawford, Aetna spokesman, says that their products on the individual market “lost nearly $700 million between 2014 and 2016.” He projects the company to “lose more than $200 million in […]

Aetna and Humana Exiting the Obamacare Exchanges

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Do you have life insurance or disability income insurance through your employer? If so, it’s important to make sure that the payment – if deducted from payroll – uses after-tax dollars. Likewise, if you’re self-employed or a small business owner, you should not pay for the policy through the company. Instead, you should […]

Be Sure to Use After-Tax Dollars to Pay for Disability ...

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Compared to other disability income insurance plans, accident-only disability is perhaps the most inexpensive. And like many other insurance policies, accident-only disability income insurance gives the policyholder benefits so long as they pay the premiums on time. If injured and unable to work, accident-only disability income insurance replaces a portion […]

Accident Only Disability Income Insurance

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Guaranteed Renewable Though different, guaranteed renewable is something else everyone should consider when shopping for disability income insurance. Essentially, this rider renews the policy each and every year so long as premiums are paid on time. This removes the hassle of reapplying. With this guaranteed renewable, rates can still increase. Contrastly, […]

Know the Difference: Guarantee of Insurability vs. Guaranteed Renewability

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