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Why Use A Health Insurance Agent?

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Why Use A Health Insurance Agent? With the introduction of the Health Insurance Exchanges there has been drastic changes in the way that consumers obtain Health Insurance Coverage . I get questioned continually as to why someone would use an Health Insurance Agent instead of simply going onto Healthcare.gov and getting Health Insurance themselves.   Here are four reasons why you should consult an agent instead of going onto the Health Insurance Exchange yourselves. Expertise If you use a licensed Insurance Agent to assist you in getting your Health Insurance Coverage , you are speaking to someone who has taken the time to obtain a license and study the various ins and outs of Health Insurance and should have the ability to answer any questions that you may have concerning things like benefits, deductibles, co-pays, eligibility, subsidies, and a host of other questions and concerns that may arise in the enrollment process.         2. Help in Qualifying f

Four Types of Life Insurance

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TYPES OF LIFE INSURANCE There are many thing you must consider when trying to find the best life insurance policy for your specific needs. Hopefully this article will give you some understanding on the different types of life insurance and help you find the best life insurance policy for you. Whole Life Insurance A whole life insurance policy is a life insurance policy that pays a benefit on the death of the insured and also accumulates a cash valu e. Whole Life Insurance policies have a predetermined face amount for which the insured is covered for as a death benefit. The face amount for which the insured is covered does not change over time and will never be adjusted unless otherwise stated in the policy. Instances of a different pay out amount being awarded to the family of the insured are rare, however this does happen and is all dictated by the stipulations of the individual policy that has been written. Whole Life Insurance policies are in force until the insure