News – Secure Term Insurance

Get a California Health Insurance Plan for 2016 at Secure Term Insurance

Administrator — Wed, 18 Nov 2015 03:50:25 +0000

Open enrollment is now in full swing! If you are a California resident in need of a health plan feel free to contact us at Secureterminsurance.com. We will help you secure a plan for 2016! Keep in mind that you must apply before December 15th in order to get a January 1st effective date.

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Open Enrollment for Health Insurance has Started!

Administrator — Thu, 05 Nov 2015 02:07:45 +0000

Open enrollment for health insurance is underway! There are many things to consider when searching for a health plan including deductibles, out of pocket maximums, doctor networks, pricing, potential subsidies, etc. If you are a California resident in need of a health plan feel free to contact us at Secureterminsurance.com. We will help you secure a plan for 2016!

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Open Enrollment for Health Insurance Begins November 1st, 2015

Administrator — Mon, 28 Sep 2015 22:05:43 +0000

Open enrollment for health insurance begins November 1st, 2015. Open enrollment is scheduled to close on January 31st, 2016. If you do not have health insurance, make sure to apply for it during the open enrollment period. Aside from the fact it is important to insure your health, there are now even more incentives to apply. First of all, there is a tax penalty for not having health insurance. Also, there is no longer medical underwriting, so you can choose whatever plan you want without being denied for health reasons. If you are sick or need a surgery this year then you should opt for the very best plan that you can afford as it can help pay for a lot of your health costs. Keep in mind that it is important to choose a plan with a substantial network of doctors. For quotes and assistance with applying for 2016 plans in California visit Secureterminsurance.com today!

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Getting Health Insurance in California

Administrator — Thu, 24 Sep 2015 20:03:40 +0000

According to Healthcare.Gov, In 2016 the fee for not having health insurance is the higher of these two amounts:

2.5% of your yearly household income
$695 per person ($347.50 per child under 18)

However, this penalty should not concern you because getting health insurance should be your top priority. Health Insurance is one of the most important things a person can have. After all, your health is your most important asset.

There are no longer underwriting requirements to obtain health insurance so there is no excuse not to get it.

Open enrollment for Health Insurance starts November 1, 2015. This is the first day you can enroll in a 2016 plan and the coverage will start January 1, 2016. January 31, 2016 is the date that open enrollment ends, so don’t wait. If you miss open enrollment you must have a qualifying event in order to apply for a plan, otherwise you will have to wait until the next open enrollment period.

When shopping for a health insurance plan there are many factors to be aware of. It is important that your plan has an adequate network of doctors that accept the plan. Other things to consider are the drug prescription benefits, deductibles, the number of doctor visits covered, out of pocket maximums, government subsidies, and of course your budget. At Secure Term Insurance we will help you find the plan that is right for you.

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The Future of Insurance

Administrator — Wed, 23 Sep 2015 22:54:56 +0000

With the proliferation of the internet, insurance is now even more visible to the consumer than ever before. The problem is that when running an internet search for insurance, there is a glut of information, which causes many people to be overwhelmed. Even insurance websites from well known carriers often lack simplicity. Many sites that provide quotes require too many forms to be filled out to the point that it becomes intrusive.

Secure Term Insurance is a better alternative, as it provides a simple and secure way to shop insurance online with fewer forms to fill out when getting a quote and more personalized service.

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Prioritizing Life Insurance

Administrator — Wed, 16 Sep 2015 20:13:33 +0000

If you have a family that depends on your income, you should have life insurance. Term life insurance is a form of life insurance that offers a death benefit for a set amount of time. Common term lengths include 10 years, 20 years, and 30 years. Term life insurance is typically less expensive than other forms of life insurance and provides protection for your family in the event of your death.

A 40 year old male in excellent health can purchase a $1,000,000 death benefit for a term length of 20 years for $625 per year. That is only $1.70 per day!

A 40 year old female in excellent health can purchase a $1,000,000 death benefit for a term length of 20 years for $519 per year. That is only $1.42 per day!

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Life Insurance Provides Financial Security for Growing Families

Administrator — Tue, 08 Sep 2015 23:05:30 +0000

Term insurance is a relatively inexpensive form of life insurance that provides financial security for growing families. It is very important for young families that have not been able to accumulate a lot of savings to buy life insurance. Proceeds from the policy create an estate for the benefit of the surviving spouse and children.

A healthy 35 year old can purchase a 20 year term life insurance policy with a $1,000,000 death benefit for about $1.20 per day and sometimes even less! So even if the family has very little savings, if the insured dies, the family will receive a $1,000,000 benefit that is estate tax free!

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Term Insurance can cost less per day than a Latte

Administrator — Wed, 02 Sep 2015 22:17:32 +0000

Many people assume that all life insurance is expensive. This is simply not the case. Term life insurance is often the most affordable way to purchase a death benefit and protect your loved ones.

For example: A 35 year old female in excellent health can purchase a $1,000,000 death benefit for a term length of 20 years for $380 per year. That is $1.04 per day, which is quite a bit less than the cost of a morning latte. A 30 year term policy can be purchased for as low as $680 per year, which is $1.86 per day!

A 35 year old male in excellent health can purchase a $1,000,000 death benefit for a term length of 20 years for $442 per year. That is only $1.21 per day. A 30 year term policy can be purchased for as low as $815 per year, which is $2.23 per day!

These quotes are from an insurance carrier that has an A+ rating from A.M. Best rating agency.

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Asking the Hard Questions

Administrator — Mon, 17 Aug 2015 19:36:22 +0000

In life, absolutely anything can happen. For this reason, it is important to have insurance. Below are some hard questions to get you thinking about life insurance.

1) What would happen to your family if you died?

2) Would your family be able to afford the house payments/rent?

3) How much income would your family need to maintain their standard of living?

Purchasing a term life insurance policy is a relatively inexpensive way to protect the people you care about the most. Don’t wait until it’s too late. Get the coverage you need through Secure Term Insurance.

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Nothing says ‘I Love You’ like a Life Insurance Policy

Administrator — Thu, 13 Aug 2015 02:24:42 +0000

A life insurance policy signals love and commitment to your partner. Every day that you go to work you think about the one you love. That person is your motivation for life and your inspiration. It brings you joy to give of yourself in order to make your partner happy. At a certain point, your loved one counts on you to be there. This holds true especially if you have children together.
Term insurance provides a fast and relatively inexpensive way to purchase a death benefit and bestow your partner with money in the event of your death, thus insuring a legacy of love.

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