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Category group benefits

Health Insurance Reforms on the way….

After heavy anticipation from residents nationwide, the long-awaited healthcare bill was finally voted on. A national effort has been induced in order to put a spotlight on the numerous Americans who are currently living without any type of health insurance whatsoever.

Even those who are not unemployed including Hazel Layne, who is actually a health caregiver for Alzheimer patients at an assisted living facility in West Virginia, is forced to go visit the West Virginia Health Right Center when she is ill because her employer does not offer insurance to its employers who don’t get paid at least a predetermined amount.

“They offer insurance, but I don’t get paid enough to get their insurance,” said Layne.

Layne is just one of nearly 19,000 residents of West Virginia who receive treatment at the free clinic each year. An overwhelming 83% of these people actually have jobs; however, are not offered group health insurance benefit.

The executive director of the West Virginia Health Right Clinic, Pat White, considers these particular patients to be “the working poor”. “They are people that are at fast food restaurants, that are mowing lawns, that are cleaning offices, there are many of them having two or three jobs, but just not being able to afford, or not being offered, health care insurance by their employer.”

White feels that the country can no longer handle the unbelievably high number of uninsured citizens since that number is continuing to grow at such a shocking rate. Not to mention, the fact that the price of typical health insurance has continued to rise every year.

White is among the people who feel that something needs to be done immediately and stresses that this is a national issue and not just a problem in the state of West Virginia.

“They live sicker, and they die sooner than the rest of the population that has health insurance coverage,” says White.

For those living through this particular predicament daily such as Layne, they believe that anyone who works and pays taxes should be able to get affordable health insurance. She sums up the national debate this way.

According to Gavin Magor, a Ratings Senior Insurance Analyst, there are presently 46 million Americans living uninsured. More than 9 million of these people happen to be children. The worst part is that more than eight out of 10 of these people come from working families.

Luckily, for all Americans the issue of health care reform has been a prime subject in recent weeks and hopefully pushed through the congress. Until we as a country reach such a life changing decision, it is vital to know that you have other options. There is still affordable health care insurance out there.

If you live in the states of Arizona or California and are currently seeking out health care insurance please call and speak to someone at ASJ Insurance & Financial Services Inc. today, or visit their website at http://www.asjhealthinsuranceexchange.com/. Their helpful representatives are more than willing to help you and your family find a suitable health insurance plan that works for you and is affordable.

Life Insurance

The concept of life insurance can be very complex for many Americans to understand. The truth is that not all Americans need to have life insurance. According to insurance gurus at McClatchy-Tribune Information Services, the general rule is that you only need it if you are directly responsible for any dependents.

 Life insurance is designed to protect the average working family, in case of the sudden death of a loved one. It’s meant to replace your “value” so your family won’t be left financially unstable once you’re gone. For any working parent, a big part of your value comes directly from your steady salary. With the proper insurance plan, your family will receive enough money to compensate your salary on average for ten to twelve years.

 Having a durable life insurance plan will rid you of any “what if” questions you may have regarding the possibility of your family one day having to live without you.

 The most sought after type of life insurance is known as “term life insurance”. Term insurance policies are set to cover the insured person for a predetermined amount of years, generally anywhere from one to 30 years. For the average young, health family, term life insurance is the best option, because it tends to be the least expensive.

 Another type of life insurance that many purchase is permanent life insurance. Permanent life insurance, just as the name implies, will cover you from the day you buy it up until the day you die, regardless of the cause or time of your death.

 The main difference between term and permanent life insurance is that permanent policies tend to come with a cash value component. What this means, is that your insurance company will continuously invest part of your premium payments to build up cash values in your account. You will not be taxed on any investment earnings, until you cash in on your policy.

 In terms of price, the cheapest, most affordable policies will always go to those who are in good health and have a family history that is free of major health issues, as well. If you are taking some type of heart medication or have been diagnosed as obese, you may pay more than those who are in good health.

 Your best bet for purchasing a life insurance policy would be to get begin shopping for one early in life when you are still in good health and young. If you are looking for an insurance broker with access to 30 plus companies like The Hartford, MetLife, ING, Lincoln Benefit Life, Pacific Life, AXA Equitable, American General, Ohio National, West Coast Life that will provide you with instant quotes and friendly customer-service, visit ASJ Insurance & Financial Services Inc.’s website www.asjtermlifeinsurance.com or give them a call today at (602) 212-1048 or (877) 275-2201 to talk to an experienced agent who could help you decide what’s the right plan that would fit your need and budget.

Auto Insurance

Things to Know When Searching for Auto Insurance

 1. “You’re a statistic”: You will hear this general statement numerous times when you begin your hunt for auto insurance. Your premium will be based off of a combination of factors including the type of car you drive, its year, your age, your gender, marital status, your occupation, who you are, your personal driving violations, accident claims, credit rating, education, how far you drive to work, the miles you drive each year, your vehicle’s theft protection devices, where you live and how you live. This may appear to be an abundance of determinants; however, all of these can and will work both for and against you to come up with a reasonable monthly premium.

2. You will save money by comparison shopping. Just like when you prepare to purchase anything else, you are going to want to do your research before jumping the gun and making your ultimate decision. Prices for auto insurance will vary vastly depending on the provider. What may appear to be the same exact product can still have a different price tag, so make sure to do your research before committing to any specific company.

 3. it’s not just about price. It is also about the customer-service that your insurer provides. It is your right to do some background research regarding each insurance company’s history in terms of claims service. If a company takes forever to file a claim after an accident occurs or they are financially unstable, you are not going to want to sign up with them solely based on a low premium.

 4. Auto Insurance is not an area to be skimpy on. Most states only require liability coverage, which again will protect you from being held responsible for another party’s damages, in the event of an accident. You should look for more coverage beyond just the basics. For example collision, bodily injury, car rental, comprehensive, full glass, medical coverage, uninsured or underinsured motorist, and towing are all additional types you can add to your policy. Just because you choose to get extended coverage does not mean that you will have to necessarily pay more. Many companies can work with you and come up with a reasonably priced multi-coverage plan designed just for you.

5. Research what discounts you are entitled to. Discounts are granted to reward behavior. For example, good grades and certain safe driving courses could make you eligible for monthly discounts. Do your homework before purchasing auto insurance. Any website that is willing to give you multiple quotes at once such as www.asjautoinsurance.com is the perfect place to start.

ASJ Insurance & Financial Services Inc. is any insurance customer’s ideal insurance agency of choice, because they work with multiple companies, which will in turn provide you with a listing of various quotes and from there you and your family can find the one that works for you. You can go ahead and request a no obligation quote at:

http://www.asjinsurance.com/asjinsurance.aspx?MyMenu=home&MyPage=forms/auto.asp&SessionID=63631471

and the experts at ASJ Insurance & Financial Services Inc. will go to work on coming up with a number of auto insurance quotes from different companies such as The Hartford, MetLife Auto & Home, Progressive, Safeco, Infinity, Foremost, Bristol West and many more companies. Visit us at www.asjautoinsurance.com or call us at 602-212-1048 or toll free 877-275-2201.

At ASJ Insurance & Financial Services Inc. you are in the hands of elite, experienced professionals who have been providing insurance services to both Arizona and California residents for more than 10 years and will work for you non-stop until you are fully satisfied with the outcome.