Allsure Insurance Blog

Why get a life insurance policy if you live in Texas?

Its simple. There no other better investment for your folk than a tax free life insurance policy. In Texas, folks that purchase a plan for the following reasons:

1. Purchasing a home.

2. Sending you kids to college.

3. Starting up a business.

4. Estate planning.

5. Leaving a tax free benefit for your surviving family

How do I find the best life insurance policy at an inexpensive rate?

I’m aware That I am being biased but being life insurance broker with over 30 A rated life insurance carriers to choose between, I suspect I have the money tools available for highest rated carrier and the minimum price. We review each client as an individual and then identify which company is the best fit.

How do I determine how much life insurance do I actually need?

The simpliest approach will be to take your annual salary and multiple that by 7-10 times your revenues. Example, if you earn $50,000 each year, you would need a life insurance policy benefit of $350,000 to $500,000. We review each case individually to pinpoint the right life assurance benefit amount so you can sleep at night knowing you are protected.

Should I buy a Term life policy or should I purchase a Permanant Life Insurance policy?

We think that 95% of Americans should purchase a Term Life Policy. A Term Life policy is the least dear compared with a Permanant Policy (Whole Life/Universal Life) and most term life policies supply a conversion to a complete life and/or universal life if you need to increase your life insurance policy period. This usually occurs when the insured is nearing the expiration period of their term life insurance policy and either they have become uninsurable due to medical issues. An advantage of the conversion is that you are going to not have to retake your medical exam but your rates will increase due to your age.

I would like to review my life insurance rates but I’d like to go to a website that offers free quotes without caring about multiple agents calling me!

We at Allsure Insurance utterly understand!! That explains why our quote engine is personal and we are not lead generation or advertising company. In reality all that you need to do is enter your state, date of birth, benefit amount you want, and the term period, Instantly you will see all of the smoker and non smoker rates. If you interested in applying, then you would press our “application request” tab, enter your private info, and then we’ll contact you. Its that easy.

If you are interested in researching your life insurance, you can go to our website: http://www.allsureinsurance.com and press our life insurance tab to kick off the process of shielding your family and business.

S. Brett Anderson

Allsure Insuranc e Agency/www.allsureinsurance.com

Reasonable Life Insurance for Texas Home Business Owners and Families.

Allsure Insurance Agency is a nationwide broker concentrating on Life, Health, and Annuites for smaller businesses, people, and famlies. We believe its our job to supply up to date information not only for our clients , but for the people in Texas that are looking for cheaper choices for a life insurance policy. . You can follow us on our blog page at http://www.allsureinsurance.com/blog/or you may visit our website at http://www.allsureinsurance.com

Effective July 26, 2011, United Health Care announced that each member who earns less than $32,670 and who enrolls in a Healthy Texas plan may be eligible for an additional $100 reduction in their monthly premium. This is a great way to help these folks get affordable insurance through their Healthy Texas plans.. United Health Care states that they have a limited number of members they can support on a First come basis.

S. Brett Anderson, Allsure Insurance

Website: http://www.allsureinsurance.com

A new private/public health insurance product has been designed for small businesses and their employees in Texas, The Healthy Texas Plan! This partnership will allow uninsured small employers (Uninsured the past 12 months) to access quality health plans at an affordable price. Healthy Texas plans are provided by private carriers. 

Enrollees in Healthy Texas choose from private health plans that have been approved by TDI. In accordance with the requirements of the Healthy Texas program set forth in Chapter 1508 of the Texas Insurance Code, TDI is currently  contracted with Celtic Insurance Company and United Healthcare to be participating health plans in the Healthy Texas program.

What are the Plan Features?

• Two plan designs choices ($500 or $1,500 calander year deductible)
• $25 Copayment for Office Visits (most physician office services)
• 100% coverage for Preventive Care
• 80% CoInsurance for inpatient (hospitalization) and outpatient surgery
• Network only benefits that could save you out-of-pocket expenses
• Prescription Drug coverage included $10/$25/$50 ($200 or $500 annual deductible applies)
• Optional coverage available (Dental, Vision, Life)

How does my small business qualify for the The Healthy Plan of Texas?

• Employer must be located in Texas and must qualify as a small business with 2-50 eligible employees
• Employer must not have provided a qualified small group health insurance policy 12 months prior to HealthyTexas application
• 60% of eligible employees must enroll
• At least 30% of your employees annual wages must be at or below 300% of the federal poverty level ($32,670 in 2011)
• Employer must pay at least 50% of the premium costs for employees and must offer dependent coverage
• Each eligible employee must be a citizen of the United States or is an alien that is in our country legally

If you would like to inquire about a brochure, please feel free to contact me anytime at (800) 373-8781 or by email: banderson@allsureinsurance.com

Regards,

S. Brett Anderson

Allsure Insurance Agency / www.allsureinsurance.com

After Congress passed the Patient Protection and Affordable Care Act last March, one of mandates will take effect this September 23, 2010.

The new changes to health care include:

1. Coverage cannot be denied to children with pre-existing conditions. Health insurance companies can no longer deny coverage for children age 19 and younger with serious medical conditions. However, be prepared for increases in your monthly premium.

2. Extending the age limit of young adults. Young adults are now able to remain on their family’s health insurance plan up to age 26 as long as they do not have coverage through their employer.

3. Free coverage for preventative care. This entails that insurance companies cannot include charges for deductibles, office visit co-pays, or co-insurance for services such as: immunizations, mammograms, colonoscopies, and other basic preventative screening.

4. Insurance Companies rescinding coverage is now illegal.  If a policyholder became sick while their policy was in force, insurance companies would search for errors and/or technical mistakes on the policyholders application to use a pretext to deny coverage.

5. No more Lifetime and Annual dollar limits. Insurance companies can no longer enforce maximum lifetime and annual benefit dollar amounts.

6. External review included on appeals on coverage. Policyholders can now appeal coverage decisions or claims through their insurer and through an independent external reviewer.

If you are concerned and would like to discuss your options regarding your health coverage, please feel free to contact me at (800) 373-8781.

Regards,

S. Brett Anderson, President

Allsure Insurance Agency

Email:  banderson@allsureinsurance.com

Website: http://www.allsureinsurance.com

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