USA Insurance Exchange

USA Insurance Brokers announced the release their new Health and Life Insurance Exchange. This website instantly compares plans and premiums from over 50 top-rated carriers in AZ, CA, FL, GA, MI, OR, PA and TX.

Website: www.USA-Insurance-Exchange.com

For additional information or customized quotations, please contact us @ 1-800-591-3920 or USAInsurance@cox.net

Are You 1 Accident or Illness away from Bankruptcy?

Over 80% of Americans are one Accident or Illness away from Bankruptcy.  We have a variety of low-cost plans that provide financial protection in case of Accidents, Critical Illness (Cancer, Heart Attack, Stroke, etc.), Chronic Illness, Disability, Long Term Care or Terminal Illness.

Contact us @ 1-800-591-3920 or USAInsuranceBrokers@gmail.com for additional information.

Hybrid Policies Increase Financial Protection

New Hybrid Annuities and Living Benefit Life policies, include financial protection in case of Accidents, Critical Illness, Chronic Illness, Cognitive Impairment, Disability, Long Term Care and/or Terminal Illness.

Hybrid policies improve coverage and are significantly less expensive than individual plans. In addition, many of the policies provide a Guaranteed Lifetime Income.

Please contact us @ 1-800-591-3920 or USAInsurance@cox.net for additional information.

Identity Theft Skyrocketing

Did you see the CNN Special Report on Identity Theft and Tax Refund Robbery? 

If not, Click Link or go to: http://cnnpresents.blogs.cnn.com/2012/03/23/refund-robbery

Filing false tax returns with stolen Social Security numbers to obtain refunds is skyrocketing. Police are calling it the new crack cocaine of crime. 

The IRS has identified $6.5 billion in ID-related tax refund fraud last year, but does not know how much was going undetected or how to stop it. 

If you're not protected, thieves or organized crime may end up with a refund debit card meant for you.
 

Get low-cost Legal and Identity Theft Protection or http://www.wmorris20.legalshield.com

Benefits include:

• Legal and Identity Theft Protection with Credit Restoration
• 24/7 Emergency Accident or Arrest Protection
• Last Will, Living Will, Medical Directive and Power of Attorney
• IRS Audit Defense
• Unlimited Telephone Consultations
• Attorney Legal Letters and Telephone Calls
• Motor Vehicle Defense
• Trial Defense
• Contract Review
• Coverage for Individuals, Families, Self-Employed and Employer Groups
• Low Monthly Cost

Dental Insurance - New Plans Increase Benefits

• Choice of Indemnity (any Dentist) or PPO Network plans
• $1,200 to $3,000 Annual Maximum Per Person
• 100% of Preventive Care
• 3 Cleanings and 2 Exams Per Year
• No Waiting Period
• Highest Benefits for Basic and Major procedures
• Prescription Drug Discounts
• Vision Insurance (Optional)

Online Quotes - Enrollment Website

Individual vs. Employer Group Coverage

Do you understand the differences between Individual and Group coverage?

Click Link for a list of the advantages and disadvantages of Individual vs. Employer Group coverage or go to http://www.usainsurancebrokers.com/Individual-vs-Group.pdf

Living Benefit Life Videos

Do you have adequate coverage to protect your family, home and assets?

Click Link for video and testimonials or go to http://www.youtube.com/user/USAInsurance

Our unique "Living Benefit" Life policies accelerate up to 100% of the face value in case of Critical Illness (Heart Attack, Stroke, Cancer, etc.); Chronic Illness; Cognitive Impairment; Terminal Illness; or Death.

One policy can provide low-cost financial protection to cover: Medical Bills; Disability Income; Long Term Care; Nursing/Home Healthcare; Mortgage Protection; Household Expenses; Childcare; College Funding; Travel; Final Expenses, etc.

Premiums are no higher than policies that only pay a Death benefit and significantly lower than Critical Illness, Disability and Long Term Care plans.  Please contact us for quotations.

Free Annual Review

We specialize in showing Individuals, Self-Employed, Small Business and Employer Groups proven strategies to a) improve coverage, b) increase financial protection and c) reduce premiums 30% to 70%.

Please contact us if you know anyone that we may be able to assist @ 1-800-591-3920 or USAInsurance@cox.net.

Preventive/Wellness Care Covered at 100%

All new Individual and Group Health Insurance policies issued since September 2011 are required to cover 100% of Preventive Care services, including: Routine Physical, Mammogram, Pap Smear, PSA, Colorectal Screening, Child Wellness, Immunizations, etc. Benefits are covered with no co-pay or deductible.

Policies issued prior to this date are not subject to this Healthcare Reform mandate.

Long Term Care Costs Increase

In the past 6 months, most LTC carriers have increased premiums 30%-40%, while Guardian Life, MetLife, Prudential and Unum have exited the market


Costs continue to rise for those requiring long-term care in the U.S. According to the newly released 2011 MetLife Market Survey, national average rates for a private nursing home room increased 4.4% to $239 daily or $87,235 annually, in 2011. Assisted living base rates rose by 5.6% to $3,477 monthly or $41,724 annually. Adult day services went up by 4.5% to $70 per day. Home health aides and homemaker/companion service rates were unchanged at $21 and $19 per hour, respectively.

Over 60% of Adults age 65+ will need LTC. Please contact us @ 1-800-591-3920 or USAInsuranceBrokers@gmail.com for information on low-cost protection.

Are you unable to afford or qualify for Health Insurance?

We have several low-cost guaranteed issue plans that can protect you in case of Accidents, Critical Illness, Disability, Terminal Illness or Death.

Top 3 Strategies to Reduce Insurance Premiums

Special Report

Click link for our latest report on the Top 3 Strategies to Reduce Insurance Premiums 30% to 70%.

http://www.usainsurancebrokers.com/SpecialReport.pdf

Instant Term Life Quote Website

Click the following link to instantly compare rates from 40 Top-Rated Carriers.

Get Quotes Now

This site allows you to enter pre-existing medical conditions to determine the best rates and carriers.

Note: Quotations do not include our Revolutionary "Living Benefit" Life policies, which accelerate up to 100% of the face value in case of Critical Illness (Heart Attack, Stroke, Cancer, etc.); Chronic Illness; Cognitive Impairment; Disability; Terminal Illness; or Death.  Call for quotations.

Contact us @ 1-800-591-3920 or E-mail: USAInsuranceBrokers@gmail.com for additional information.

Are You Worried About Outliving Your Savings?

Increasing longevity and decreasing job security means the average American will spend 20-30 years in Retirement.  In fact, recent studies indicate that running out of money has replaced death as the #1 concern for most individuals.  Are you prepared?

Do you have funds in a 401K, CD, IRA, Money Market, Mutual Fund or Savings Account with low or no returns?

We have a variety of plans that offer the following advantages: 

• 5%-10% Bonus on Deposits
• 5%-8% Annual Interest
• Upside Market Gains
• Zero Downside Risk
• Guaranteed Lifetime Income

Please contact us @ 1-800-591-3920 or USAInsuranceBrokers@gmail.com for information on strategies to protect your assets.

Disability Income Protection

Stop and think. How long could you sustain your present lifestyle if your paycheck stopped? If you are like most Americans, the answer is probably 1-2 months.

So why haven't you secured your income?  Most Americans insure their homes, cars and death, but forget to insure their income.  Yet, without a paycheck, you may be unable to pay your mortgage, car payments, loans, utilities and other living expenses.

Did you know...

1. One in eight people suffer disability each year.
2. Disability is the leading cause of personal bankruptcy and foreclosure.
3. Over 85% are caused by Accidents or Critical Illness (Cancer, Heart Attack, Stroke, etc).

Don’t make the most common and critical mistake in financial planning!  Now that you know the facts, can you afford to go without DI protection?

We have a variety of low-cost plans that can provide financial protection in case of Disability, Critical or Chronic Illness, Long Term Care or Terminal Illness.  Plans can also be designed to cover Business Overhead Expenses.

Contact us @ 1-800-591-3920 or E-mail USAInsuranceBrokers@gmail.com for details or quotations.

Tax-Free Health Insurance Reduces Costs

The IRS can help reduce costs for Health, Life and Long Term Care Insurance premiums for Employers and Employees.

This year, many companies are increasing employee contributions for (or even dropping) group insurance coverage, forcing employees to pay up to 100% of their costs on the individual market.

Companies can set up a new program where the premium payments employees' make for insurance are paid on a pre-tax basis.  This saves employers and employees up to a combined 50% in taxes on employee Health Insurance payments. 

It works like a 401(k) or flexible spending account where what you pay for health insurance does not count as income on your W-2.  Employees can also write-off and/or reduce the cost for Life and Long Term Care coverage.  All companies should offer this benefit program because it saves money for the company and employees.

Contact us @ 1-800-591-3920 for additional information.

Guaranteed Lifetime Income

Annuities are the only products that can Guarantee a Lifetime Income. We represent plans from over 40 top-rated carriers and many are now offering a 5% to 10% Bonus on all deposits, plus a) Guaranteed Lifetime Income and b) significantly higher interest rates than CD's, IRA's, Money Market or Mutual Funds.

Fixed Indexed Annuities provide upside market potential with Zero Downside Risk, so you can never lose your principal or accumulated gains. This can significantly increase your retirement income. In fact, several of our clients received 8% to 10% gains in 2010.

Contact us @ 1-800-591-3920 for proposals.

Critical Illness & Disability Income Protection

Over 70% of working Americans would be in financial trouble within 1 month if they lost their paycheck, according to a new study from the Life and Health Insurance Foundation.

We have several low-cost plans that can provide comprehensive financial protection to cover medical bills, mortgage, car payments, household expenses, credit card/loan payments, long term care or any other purpose.

Please contact us @ 1-800-591-3920 or USAInsuranceBrokers@gmail.com for details.

IRS Regulations Reduce Medical Premiums 15.3% to 35%

IRS regulations and tax credits now allow Individuals, Families and Self-Employed Individuals to reduce Major Medical, Dental and Vision expenses 15.3% to 35% without changing current policies.

Contact us @ 1-800-591-3920 for details.

New Child Only Coverage Options

All Individual Health Insurance Carriers have stopped accepting applications for Children under Age 19, unless an Adult is also on the policy.   This is a direct result of the Healthcare Reform requirement to cover all pre-existing conditions for children with no rate-ups after September 23, 2010.

However, we now have several  Short-Term Medical (1-12 Months) and Guaranteed Issue Mini-Medical plans that will accept children.