Life and Health Insurance News

Individual vs. Employer Group Coverage

2012-02-16T13:52:00.000-08:00

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

2012-02-02T10:28:00.000-08:00

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

2012-02-02T10:07:00.000-08:00

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%

2012-02-02T09:54:00.000-08:00

All new Health Insurance policiesissued since September 2011 are required to cover 100% of PreventiveCare 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 arenot subject to this Healthcare Reform mandate.

Long Term Care Costs Increase

2011-10-26T13:34:00.000-07:00

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?

2011-10-16T18:27:00.000-07:00

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

2011-10-04T21:24:00.000-07:00

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

2011-10-04T21:15:00.000-07:00

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.

Are You Worried About Outliving Your Savings?

2011-07-19T17:43:00.000-07:00

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

2011-06-04T19:32:00.000-07:00

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...

One in eight people suffer disability each year.
Disability is the leading cause of personal bankruptcy and foreclosure.
Over 85% of disabilities are caused by accidents or illnesses, such as 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

2011-05-10T14:45:00.000-07:00

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.

Guaranteed Lifetime Income

2011-05-10T13:51:00.000-07:00

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.

Critical Illness & Disability Income Protection

2011-04-19T19:24:00.000-07:00

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%

2011-02-26T13:21:00.000-08:00

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

2011-02-26T12:37:00.000-08:00

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.

Low-Cost Financial Protection Plan

2011-01-06T15:24:00.000-08:00

Do you have adequate coverage to protect your family, home and assets in case of Critical or Chronic Illness; Disability; Long Term Care; Terminal Illness; or Death?

What would happen if you had a serious accident or illness and could not work for 3-6 months or longer? Would your family lose their home, assets and savings?

Revolutionary Life provides a low-cost solution that pays up to 100% of the face value as Accelerated Living Benefits. Funds can be used for any purpose, including: Medical Bills; Long Term Care; Lost Income; Mortgage Protection; Household Expenses; College Funding; Travel; Final Expenses, etc.

Premiums are normally no higher than plans that only pay a Death benefit and significantly less expensive than standalone Critical Illness, Disability and Long Term Care policies.

Increase Income and Reduce Taxes!

2011-01-03T13:15:00.000-08:00

Do you know anyone that wants to increase their income?

We have several great opportunities. Contact us for details.

2011 Healthcare Reform Regulations

2011-01-01T12:23:00.000-08:00

Effective January 1^st, all new Health Insurance policies will be required to provide the following benefits:

Elimination of Annual and Lifetime coverage limits for essential benefits.
Preventive Care, including Routine Physical Exams, Mammograms, Pap Smear, PSA, Colorectal Screenings and Immunizations must be covered at 100% with no Co-pay or Co-insurance.
Adult Children can be covered under a parents policy to Age 26, if they are not offered coverage through their employer.
Over-the-counter Rx are no longer deductible from HSA or FSA accounts, unless prescribed by a Doctor.
Medicare beneficiaries will receive a 50% discount on brand name Rx in the Donut Hole gap.

Click Here for a complete list of changes.

Small Business Tax Credits

2010-12-11T11:37:00.000-08:00

Does your Small Business have less than 25 employees with average annual wages under $50,000? If so, you may be eligible for a tax credit of up to $35,000. Click link for details.

Advantages of Individual Insurance for Employees

2010-12-06T14:02:00.000-08:00

Employees should consider Individual coverage vs. Employer Group plans, due to the following reasons:

1. Individual Health & Life coverage is normally 50%-70% less expensive than Group plans. Employee costs may be higher or lower, depending upon the portion paid by the Employer.

2. Individual coverage for dependents is always far less expensive than group premiums.

3. Individual plans are portable from Job-to-Job or State-to-State.

4. Pre-existing conditions can cause you to be declined by Individual Carriers.

5. Plans can be designed to match your desired coverage benefits vs. a choice of 1-2 carriers

6. Eliminates need to pay high COBRA premium, if you are eligible.

7. If you are also self-employed, you can write-off 100% of premiums and out-of-pocket expenses for Medical, Dental, Vision, Rx, etc.

8. Employers can now establish a Section 105 HRA to pay up to 100% of premiums for Employees.

What is the best and safest Retirement Plan?

2010-10-07T13:22:00.000-07:00

What do experts agree is the best and safest Retirement Investment Plan?

Indexed Universal Life Insurance (IUL) is a Tax Free investment that puts the owner in control of their retirement and not Uncle Sam!

It’s perfect for individuals and business owners and has more “living benefits” than the actual death benefit that is included with the investment. These policies are not classified as “Qualified Plans” by the IRS, so they are the perfect investment to save for retirement. An IUL is a permanent cash-value life insurance product that is designed to outperform Whole Life, Universal Life and Variable Life without the catastrophic downside risk. In fact, zero downside risk!

Universal Life is considered to be the best possible vehicle for Tax-Free Retirement Savings, College Funding, Financial Protection and Retirement Savings.

The Tax-Free Income derived from the IUL policy can be far greater than the after tax income from a 401-K, 403-B, Certificates of Deposit, Annuities, Stocks, Bonds or an IRA.

IUL policies provide the following advantages:

* Cash Value
* Flexible Premiums
* Guaranteed to Age 120
* Interest based on 140% of S&P 500 (Ex. 5% Actual = 7% Gain)
* Minimum 2% Fixed Interest Rate
* Policy Loans
* Tax-Free Retirement Benefits
* Upside Gains with Zero Downside Risk

In addition, one of our plans pays up to 75% of the face value in case of Critical Illness, Chronic Illness, Disability, Long Term Care or Terminal Illness at no additional charge.

Reduce Taxes $3,500 to $5,000 Per Year

2010-10-05T19:40:00.000-07:00

Would you like to write-off 100% of your Medical & Dental Insurance Premiums, plus out-of-pocket expenses? We can show you how!

Revised IRS Section 105 HRA regulations can reduces taxes $3,500 to $5,000 per year for most clients.

Eligible expenses include: Medical, Medicare, Dental & Vision Insurance Premiums; Deductible; Co-pays; Co-insurance; Prescription Drugs; OTC Rx Medication; Eye Exams, Glasses, Contacts; Disability/Long Term Care Insurance; Term Life; Alternative Care; Chiropractic; Massage Therapy; Preventive Care; Smoking Cessation; Weight Loss; and most other out-of-pocket expenses. Click Here for complete list.

Earn 4.0% Tax Deferred Interest Guaranteed!

2010-10-05T19:29:00.000-07:00

Our new Wealth Builder Life policy provides the opportunity to:

1. Receive 100% Return of Premiums, plus interest @ Age 65 in most cases
2. Guaranteed 4.0% Minimum Interest
3. Tax Deferred Interest for Life
4. 10% 1st Year Annual Growth Rate
5. Critical Illness / Disability Benefit Pays 50% of Face Value
6. $50 Minimum - $100 Maximum Monthly Premium
7. Up to $20,000 Lump-Sum Deposits without Approval
8. Unrestricted 3-Day Access to Funds
9. No Load or Commissions
10. No Penalty or Surrender Fees

Revolutionary Life You Don't Have To Die To Use!

2010-09-30T19:41:00.000-07:00

Do you have coverage for Critical & Chronic Illness, Disability and Long Term Care?

We all know someone who has suffered a Critical or Chronic Illness and lived. Did their policy pay them a benefit? The answer is always – NO! Well, the Revolutionary Life policy DOES.

How much better would their life have been if they received a check for $100K, $250K or more?

The new Revolutionary Term and Universal Life policies include Accelerated Living Benefits at no additional cost, so the premiums are normally no higher than plans that only pay a Death benefit.

Click Here for details and premiums.

$150K-$400K Healthcare Costs After Medicare

2010-09-17T10:30:00.000-07:00

According to the Employee Benefit Research Institute and Society of Actuaries, the average retired couple will need over $150K-$400K in the bank to ensure they have enough money to cover their medical costs over and above what Medicare covers.

They found that only 7% of people between the ages of 50 and 64 feel very confident that they are saving enough funds to afford healthcare costs in retirement, while 62% feel that they're not at all confident.

A 2010 government forecast showed that yearly healthcare inflation will be over 6% for the remainder of this decade. What most Americans don't realize is that health expenditures can really increase once you've retired.

This does not include healthcare reform legislation or nursing home care costs. Over their lifetimes, a couple may have costs amounting to $1 million or more for the care of becoming older and more frail. Nursing home care expenses can be over $70,000 per person per year.

It is imperative that the young and old review their insurance and financial protection plans to safeguard their health and wealth.

Contact us for low-cost plans to reduce or eliminate your financial risk.

Top 10 Strategies to Reduce Your Premiums

2010-09-06T13:54:00.000-07:00

The following provides a link to the Top 10 strategies to reduce your Health and Life Insurance premiums.

Click Link