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What’s with all the questions?!? Just give me a quote!!!

June 4, 2014 in General

  I read a great quote about beginning a career as an insurance agent the other day: “Congratulation
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What’s an Annuity?

June 3, 2014 in General

What is an annuity? Technically an annuity is a planned periodic distribution of money. There are two phases to an annuity, accumulation and distribution.

In the accumulation phase, a person deposits money into the annuity, usually on a tax deferred basis. This is the time the person is accumulating money to be distributed later. There are three different ways annuities can earn money during the accumulation phase:

1. Fixed: a fixed annuity pays a pre determined, guaranteed interest rate. This rate is paid regardless of any market performance. Having a guaranteed return, this product has a lower return with no risk of loss.

Medical insurance in Dubai: what’s changing and how does it affect you.

May 8, 2014 in General

Medical insurance in Dubai: what’s changing in Dubai and how does it affect you.

Healthy Idea

A new way of health moving forward.

The new medical insurance requirements are in full swing in Dubai.  

Wrapping up a 2 day conference discussing the implications of the mandatory medical insurance that is to be implemented over the next 2 years.  

As a recap there will be phases for the implementation – in short here are the basics:

  1. Companies with over 1000 staff have to provide insurance that is branded the basic plan by October 31st, 2014

What’s the angle?

April 3, 2014 in General

What’s in it for you? Before making any major decision it is always a good practice to know what’s in it for you – how will YOU benefit, what are your needs, your families needs?

The same holds true when it comes to picking health insurance. Here are some things to consider before choosing a healthcare plan for you and/or your family:

  • Overall cost
  • The flexibility to get care wherever you choose
  • Time involved to get care – i.e., referrals
  • What are your care needs
  • What are the care needs of your family

“What’s it like to be retired?”

March 8, 2014 in General

financial wellness

It could be the trending chant at any event that Alex Ferguson turns up to – a taunt to a man who having lost control has seen slump into mundanity in a few short months.

Financial wellbeing in later life

But football is not the subject of this blog- retirement is and in particular thoughts on Financial wellbeing in later life. This is the title of a quite excellent piece of research launched jointly by the University of Bristol , SDAI and the International Longevity Centre and downloadable from the link.

What’s A Valuable Property Rider?

November 27, 2013 in General

iStock_000003373833XSmallIt’s always important to know what exactly your insurance covers, whether that is health, auto, life, home or renter’s insurance. In the case of those last two types of insurance, if your policy doesn’t cover everything you want it to, you may need to get a rider to protect yourself against the loss of certain high-value goods.

What’s a rider?
A rider is a separate policy that is essentially tacked on to your existing insurance policy to account items that won’t be covered by the core plan.

What kinds of things does a valuable property rider usually cover?
Typical items covered by valuable property riders include:

Medicare and Medicaid in Indiana: What’s the Difference Between Them?

September 13, 2013 in General

When you re planning ahead for your retirement years you should know everything that you need to know about the government programs such as Medicare and Medicaid in Indiana, that are available for seniors. You should also consider the twilight years that follow the active retirement years if you want to be comprehensively prepared. Some people are confused about Medicare and Medicaid. They are not different facets of the same program. In this post we would like to provide some clarity. Medicare in Indiana Is Not Need-Based Medicare is not something that you become qualified for based on financial need. As you are working or earning income as a self-employed individual you are paying Medicare taxes, and if you paid into the program sufficiently you will be eligible for Medicare coverage. At the present time the age of Medicare eligibility is 65. People do consistently talk about raising this age to cut costs, so this is something to keep an eye on as you are looking forward toward your

What’s On: Air Ambulance Ride-Out this Sunday 18th August

August 17, 2013 in General

air ambulance ride out, hinckley to brackley, northants, sunday 18th august

The air ambulance ride out is one event happening this weekend for UK bikers.

If you fancy a ride-out this Sunday, and want to support the air ambulance which covers Derbyshire, Rutland and Leicestershire, then get yourself registered at and join in this weekend.

It costs a £10 donation, to a cause which saves bikers lives every year, getting medical attention to crash scenes, and transferring motorcyclists to hospital and specialised units much faster than any road based ambulance.

The `golden hour’ after an accident can make all the difference to survival chances, so anyone who rides a motorbike will know how valuable air ambulances are.

Affordable Care Act: What’s Delayed and What’s Not

July 12, 2013 in General

Guest post written by Steve Gerlach of the firm Bernstein Shur; July 9, 2013

On July 2, the Department of the Treasury announced a one-year delay in the implementation of certain parts of the Affordable Care Act’s reporting requirements, as well as a delay in the assessment of “pay-or-play” penalties. Although this delay will be helpful to many employers, all employers need to know which provisions are delayed and which are not.


  • Reporting requirements: Mandatory reporting of health coverage information by large employers is postponed until January 1, 2015.

What’s a sensible health care solution for those with none?

May 28, 2013 in Health insurance

When the uninsured must go to the hospital, it seems that the hospital is stuck with the bill which causes higher cost for insurance companies resulting in higher premiums or the state is stuck with the bill that causes higher taxes. Forcing the uninsured to buy insurance may not be wanted since some don’t want the government to have that control. Since so many don’t want government health care, then what is a solution?

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