Insurance Scam: Obamacare Benefits Left Out Of Letters

“Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies’ own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces — which could lead to people…spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked. The extreme lengths to which some insurance companies are going to hold on to existing customers at higher price, as the Affordable Care Act fundamentally re-orders the individual insurance market, has caught the attention of state insurance regulators…”.* The companies involved include Humana and Lifewise. The Young Turks host Cenk Uygur breaks it down.

*Read more here from Dylan Scott / TPM: http://talkingpointsmemo.com/dc/insurance-companies-misleading-letters-obamacare

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The Basics Of Getting Your Finances In Order

Out of the many things that can get you down in life, nothing is more emotionally draining than having messed-up finances because it threatens your very ability to thrive and survive in this world. If you’re having money problems, just know that like everything else, it’s something that can be solved rather easily. However, it does require financial literacy and self-discipline. In this article, we’re going to introduce you to the most basic financial principles towards financial freedom: getting out of debt.

Because of the country’s emphasis on consumerism, it’s become really easy for anyone to get in debt, especially credit card debt and high-interest loans. If you have debt and yet you have this burning desire to not be saddled with it, pay off your debts in the order of high-interest debts to low-interest debts. 

Talk with your creditors about working out a payment plan that won’t interfere so much with your monthly budget. While the idea of dealing with your creditors may be alien to you, it is actually something that you can do and should do. 

There are support groups out there that help people to become debt-free by working with creditors. You can find these groups on Google. 

In order to get out of debt, there are two things you can do – either you increase your income or you spend less than you earn. The idea is to have the extra cash to pay off your high-interest debt fast. Increasing your income shouldn’t be a problem as there are there are many work-from-home business ideas out there that you can start to work on. 

It’s also important to have a deadline for when you’re going to finish paying off all your debts. Setting a date will inspire you to do the necessary work to become financially free.

Are People Suffering From Bipolar Disorder Ineligible For Life Insurance?

In years past, bipolar disorder was not as understood and well-managed as it is today. Pairing this knowledge with the life insurance market, it was common for people to have issues obtaining life insurance policies, not just based on a bipolar disorder diagnosis but many other preexisting conditions. Of course some companies are more lenient than others, and as the world becomes more educated about certain conditions, the environment surrounding them begins to change. Therefore, if you’re sitting there believing the notion that you cannot secure a life insurance policy based on your being diagnosed as bipolar, think again. There is a way!

life insurance for people with bipolar disorderCertainly there are some heavy restrictions people are used to hearing about when it comes to life insurance for bipolar people and policy availability concerning people with mental health issues. There are many company executives speaking up about the lack of other companies in the past and even the present that actually make an effort to make it easy on those afflicted with bipolar disorder to obtain a policy. In fact, there are over 5 million people in the country who are bipolar. So are they to be denied a chance at life insurance?

Another way to look at 5 million people in the US is by stating that almost 2 percent of the entire nation has this disorder. Therefore, the smart life insurance companies are finding ways to provide them with life insurance, which is of course the sensible thing to do.

Getting a Bipolar Life Insurance Policy

If you have bipolar disorder and are looking for a life insurance policy, you definitely want to ensure you’re receiving adequate care. The care you’re receiving as well as the severity of your disorder is going to dictate how easy it is for you to obtain a policy. Remember there are two types of this disorder as well, which has everything to do with all the specific with underwriting your policy.

A Brief Review Of The Monumental Life Insurance Company

In today’s society there are so many different types of insurance to consider – health insurance, car insurance, home insurance, and life insurance.  While some of us may throw our hands in the air and choose to ignore the policies, it is recommended that you take some time to consider the different insurance plans as they can offer financial security.  Problem is, where do you begin considering the vast amounts of insurance companies available for perusal?

monumental life insurance company reviewWhen looking for a trustworthy and reliable insurance company, it is always important to find one that provides you with a variety of policies and meets your unique needs.  However, there are some disadvantages to having a large platter of policies from which to choose as they can sometimes become confusing and you may land up choosing a totally inappropriate plan.  This is why it is important to choose a reliable insurance company.

Monumental Life Insurance Company has been noted as one of the most popular and well-known insurance companies on the market.  It is a member of the AEGON Insurance Group and is currently ranked as one of the largest insurance services worldwide.

The policies one will discover with the Monumental Life Insurance Company are personalized to meet your needs which will offer your family financial protection when you pass away.  This ensures that they will not be left with any unforeseen debt or financial burden as the policy offers a lump sum payment covering the funeral costs and other expenses.  Some policies will also provide a further amount to support the bereaved for a certain time period while they ‘get back on their feet’.

Choosing a life insurance policy can be a tricky process, but it is recommended that one complete this act.  It will not only provide your family with financial security, but also give you piece of mind.