Useful Insurance Online Articles

One of the last things anyone wants to think about or plan for is long term health care. No one wants to think that they will someday end up in a nursing home or need help bathing and dressing and feeding themselves. But as we are all living longer and longer the chances of our needing such care at some point in our lives grows greater and greater.

In fact, according to some government studies, almost half of all Missouri residents who reach the age of 65 will need some form of long term care at some point in their lives.

Long term care refers to such things as 24-hour nursing home care, in-home day care, hospice care, homemaker services and much more. None of these services are free, and contrary to what most people want to believe, the government does take care of your long term needs once you reach 65.

Federal Medicare pays for almost no long term care and the small amount they do pay for is insignificant if you suffer from a long term illness, injury or if you suffer from Alzheimer’s or some other permanently debilitating condition.

Missouri’s Medicaid program is slightly better than the federal government’s care, but before you can take advantage of Missouri’s long term care you must first spend all of your assets (making yourself indigent) and you must rely on the state to make all of your health care decisions, including what types and amounts of treatments you will receive and when, and which facility you will be put into.

If none of this sounds like the life you were hoping for, then your only two alternatives are to never get sick, never have a serious accident and never come down with Alzheimer’s or any similar neurological impairment – or you need to purchase long term care insurance now, while you still can.

If you are over 30 years old you should consider purchasing long term health care. Remember, the younger you are when you take out your long term policy, the less the monthly premiums will be.

Get in the best shape you can. If you smoke, stop. If you are overweight, make the commitment to lose weight. Getting in good physical shape will reduce your monthly long term care premiums.

Long term care policies have what they refer to as an Exclusion Period. An Exclusion Period is a deductible. It refers to how much you are willing to pay for your own long term health care before you want your insurance policy to start paying – the longer you are willing to pay (in other words, the longer your Exclusion Period) the lower your monthly premiums will be.

Now go online and start making comparisons between a variety of policies at as many different insurance companies as you can in order to save the most money possible on your discount long term care insurance here in Missouri.

Keep in mind that no one long term care insurance comparison site compares insurance from every company. If they did that would make your search for the best deal much simpler. The truth is, most websites only compare a small handful of companies, so if you really want to find the very best deal there is you will have to make your comparisons on several different websites.

Yes, this means extra work for you and extra time spent searching for the best discount policy – but keep in mind that every penny you save today you will be saving month after month, year after year, and hopefully that will help make your job today seem a little less painful.

Recommended sites for low rate insurance

ezquoteguide.com/longtermcare/ Discount Long Term Care Insurance Quotes in Missouri
myquoteguide.com/Long-Term.shtml Instant Long Term Care Insurance Quotes Online

No Comments » Posted by Matt Cubb /

Do you think you have the best auto insurance coverage just because you’re with a “big name” company?

News flash, you’re probably getting less coverage than you think.

But first let’s talk about accident statistics in the U.S.…

The Facts:

There are about 3 million car-related injuries a year
• 2 million permanent injuries
• 40,000 deaths in the U.S. each year

About 40% of car accident fatalities are related to drinking and driving.
• 30% to speeding
• 33% from a car going off the road

Car accidents are currently the number one killer of people ages 1 to 37.
About 1 in 30 young drivers will be injured in an accident each year.
Young drivers are four times more likely to die in car accidents.
• much more prone to speed
• drive recklessly
• not wear their seat belts
• and drink and drive

There are Approximately 6.4 million accidents each year

Approximately 40,000 people die in auto accidents each year.

You may ask yourself what are the odds of me getting into an accident?

There were 48,366 Transportation accidents in 2002.
• One year odds of You getting in an accident are 1 in 5,953.
• Lifetime odds of You getting in an accident are 1 in 77. Are you the 1 in 77 to get into an accident this year?

Did you know?
Midnight to 3 a.m. on Saturdays and Sundays proved to be the deadliest 3-hour periods throughout 2003?

In 2004 there was a total of 38,253 Fatal Crashes.
• Over 26,756 Driver crash victims
• 10,304 Passenger Victims
• 4,641 Pedestrian Victims
• 725 Pedacyclist Victims

Let’s move on to Insurance Coverage.

Here are the 7 things your auto insurance company should give you but doesn’t!

1. Full replacement cost paid if your new car is totaled in the first year at no additional cost.

2. Towing and roadside assistance included with your policy at no additional charge and no reimbursement required.

3. Bilingual insurance representatives available 24 hours a day 7 days a week to provide policy service or take claim reports.

4. Extension of your policy coverage and limits when driving in Mexico within 100 miles of the U.S. Border.

5. Discounted rates for qualified members of certain occupational groups.

6. Temporary coverage for student children home on holidays at no additional charge.

7. Waiver of collision deductibles if both parties involved in an accident are customers of the same company.

Want to check you’re car insurance coverage plan? Visit these reputable carriers today.
insurancebystate.org/ insurancebystate.org

Jack Roberts is an independent writer for himself who loves nothing more than to have his articles published.

No Comments » Posted by Matt Cubb /