People are buying Life Insurance for different reasons; however, the main reason is the love and care for their families. A typical example is the story of a woman who recently visited our office with tears in her eyes. She…
A child born in 2012 will cost his parents $241,080 in 2012 dollars, on average, over his lifetime. And children of higher-earning families drain the bank account more: Families earning more than $105,000 annually can expect to spend $399,780 per…
Most people, if asked, are hard pressed to explain what disability insurance really is. It’s actually pretty simple to define: Disability insurance protects your paycheck. If you become injured or ill and can’t work, disability insurance pays you a portion…
Insurance is a subject that even confounds people who know a lot about finance. While you need it like you need food, sometimes you don’t. Policies can be expensive. AdviceIQ contributor Rick Kahler, who runs Kahler Financial Group in Rapid…
1. Principal protection guarantees of your money.Your cash value isn’t subject to market losses, as it is with mutual funds and other programs. When the stock market tanks again (and it’s never a question of if but when), you won’t…
Covered California health insurance plans-and all health plans in the individual and small-group markets-are sold in 4 levels of coverage: Bronze, Silver, Gold and Platinum. As the metal category increases in value, so does the percentage of medical expenses that…
How much will it cost me to purchase health insurance through Covered California, and will I be eligible for financial assistance? Health insurance premium costs through Covered California will be based on age, where you live (ZIP code), household size…
Premium assistance is available for individuals and families who make less than a certain amount a year and who do not have other options for obtaining affordable health insurance that meets certain coverage requirements, such as health coverage offered through…
All health insurance plans offered through Covered California’s individual and small group markets cover a comprehensive set of benefits known as “essential health benefits”. They include the following 10 categories: Ambulatory patient services Emergency services Hospitalization Maternity and newborn care…
Covered California is a new, easy-to-use marketplace established for California under the federal Patient Protection and Affordable Care Act where you and your family will be able to compare health coverage options and choose the one that best fits your needs and budget….
