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Life Insurance Benefits Before Death

Most people aren’t aware that certain life insurance policies can be used as part of a retirement plan. Life insurance policies may even be used as part of a “Long Term Care” plan. In today’s world, people spend $50 to $100 on cell phone service charges every month. Others spend even more than that on a single sushi dinner. Think about shifting that money into a life policy and you can start saving money for your retirement while protecting your family at the same time.
Having the right life policy now can ensure that you are likely to continue to enjoy the lifestyle you are accustomed to when you are ready to retire. This same policy will also ensure the well being and future of your loved ones in the event you are no longer here to provide for them.

Next time you are in our office ask us about Life Insurance!!!

August 30, 2011 Posted by | Antelope Valley Insurance, lancaster insurance, palmdale insurance | Leave a comment

Combining insurance or bundling coverage

Today we are talking about “bundling” or combining your personal insurance to maximize your discounts.  Multiiple cars saves about 20% a year, adding your home or renters or condo insurance can save another 15%.  Some of my over thirty different independent insurance companies have bundled discounts for any rental homes you may have.  Altogether this can mean up to $3,000 a year in savings without sacrificing coverage or quality and the really big benefit is we never charge our customers for these services.  

July 1, 2011 Posted by | Antelope Valley Insurance, auto insurance Lancaster, auto insurance Palmdale, av best insurance | , , , , , , | Leave a comment

This week’s health care reform news

While the Affordable Care Act’s (ACA) medical loss ratio (MLR) and rate review provisions have been getting most of the media attention, a new coalition of business organizations has come together to draw attention to another important requirement of the ACA. Calling themselves Stop the HIT on Small Business, more than 25 national business organizations have joined forces to work toward repeal of new taxes the ACA would impose on private health insurance starting in 2014. Business leaders behind the effort say that small business owners, their employees and the self-employed will ultimately bear the brunt of $87 billion in additional health care costs in the first 10 years as a result of the new taxes. The group is planning Capitol Hill outreaches and grassroots efforts.

Federal 

Support is growing in Congress (over 80 co-sponsors) for Mike Rogers’ (R-MI) and John Barrows’ (D-GA) legislation that would exclude agent commissions from the MLR calculation.  Currently, commissions count as administrative expenses in calculating insurers’ MLRs.  This support was highlighted in a House hearing last week before the Health Subcommittee of the Energy & Commerce Committee, where the larger issue of the MLR burden was front and center.  Witnesses representing agents and brokers, insurers and academia all testified against the unintended, negative consequences of the MLR requirement, with agents and brokers in particular noting the direct financial impact to small business and individual agents and their families. The Rogers/Barrows bill would simply not factor commissions into the MLR calculation. The day before the hearing, Congressman Tom Price ((R-GA) introduced an even more aggressive bill, as his proposal would repeal outright the MLR provision of ACA.  While it is unlikely that either bill will get traction in the Senate on its own, bipartisan support for the agents and genuine concern about unintended consequences puts this issue in play as part of any potential mega-deal on the budget/deficit/debt ceiling issue over the next few months. The Senate was not in Session last week; and the House is out this week.

June 9, 2011 Posted by | Antelope Valley Insurance, lancaster life insurance | , , , , | Leave a comment

Insure It! Lancaster / Palmdale

    

We can insure you home, car, business and more, call us you will love  our friendly staff

661.726.1337 or email: bob@lancasterinsurance.biz

April 30, 2011 Posted by | Antelope Valley Insurance, auto insurance Lancaster, auto insurance Palmdale, business Insurance Palmdale, palmdale insurance | , , , , | Leave a comment