Income Protection Plan

What would happen if you had an accident or critical illness?

We have a variety of low-cost plans that can provide financial protection in case of:

1. Accidents
2. Chronic Illness
3. Critical Illness (Cancer, Heart Attack, Stroke, etc.)
4. Disability
5. Emergency Room
6. Hospitalization
7. Surgery
8. Long Term Care
9. Terminal Illness
10. Death

Funds can be used for any purpose, including: Medical Bills; Disability Income; Long Term Care; Mortgage Protection; Nursing/Home Healthcare; Household or Business Expenses; Loans; Childcare; College Funding; Travel; Final Expenses; Legacy Estate, etc.

Please contact us for additional information to protect your income and assets.

What if you cannot afford Health Insurance?

We have a variety of low-cost plans that can provide financial protection in case of:

• Accidents
• Critical Illness (Cancer, Heart Attack, Stroke, etc.)
• Chronic Illness
• Disability
• Emergency Room
• Hospitalization 
• Long Term Care
• Terminal Illness
• Death

Lowest Health & Life Premiums Guaranteed!

Instantly compare rates from 50 top-rated carriers.

Health Insurance Quotes

Life Insurance Quotes

Contact us @ 1-800-591-3920 or USAInsurance@cox.net with questions or to find the best coverage to match your requirements.

95% of Disabilities Not Covered by Workers Comp

Only 5% of Disabilities are due to work related Accidents or Illnesses and covered by Workers Compensation, according to the Council for Disability Awareness.

And, 97% of Social Security Disability recipients receive less than $2,000 per month, which can take 6-12 months for approval.

How would you pay your monthly expenses or offset the loss of income? 

Contact us @ 1-800-591-3920 or USAInsurance@cox.net for low-cost protection.

100% Coverage for Preventive Care

Does your Health Insurance policy cover 100% of Preventive Care (Routine Physicals, Mammogram, Pap Smear, PSA, Colorectal Screening, Child Wellness, Immunizations, etc.) with no Co-pay or Deductible?

All new Major Medical policies are required to cover these services and many more at no cost.

Contact us @ 1-800-591-3920 or USAInsurance@cox.net to compare your best options.

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.

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.

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

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 8o% of all Hospital and ER bills are due to 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.

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.

2011 Healthcare Reform Regulations

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

1. Elimination of Annual and Lifetime coverage limits for essential benefits.
2. 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.
3. Adult Children can be covered under a parents policy to Age 26, if they are not offered coverage through their employer.
4. Over-the-counter Rx are no longer deductible from HSA or FSA accounts, unless prescribed by a Doctor.
5. Medicare beneficiaries will receive a 50% discount on brand name Rx in the Donut Hole gap.

Click Here for a complete list of changes.

Advantages of Individual Insurance for Employees

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.

Top 10 Strategies to Reduce Your Premiums

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

Click Link