Posts Tagged ‘family health insurance’

The Reforming of Health Care

Monday, January 11th, 2010

And How You Can Profit!

Whether you are inclined towards it or not the Reformation of Health Care is a real existence. In spite of the way you feel, things are looking unsatisfactory.

However this is not the way it has to be. Instead of placing your area of concern on things that you are not able to manage, find out how you can manage your future concerning finances. Then you will be able to acquire the help that you and your loved ones are entitled to.

Did you know that the beneficiary of health insurance policies is not the owner? Furthermore, it never will be. Health insurance can be traced back to the great depression when the hospitals sought out the insurance companies to see if the insurance companies could help stabilize their fluctuating income. Thereby, doctors, dentists, hospitals and other health care providers became the beneficiaries of health insurance policies.

You do not have to be a “history genius” to be able to comprehend this. What happens if you use your medical insurance a lot?

Nevertheless, there is a certain type of insurance that you can make perform more efficiently by using it a lot. With this certain type of insurance, the premium remains the same throughout the contract at the amount you get to pick.

With this kind of insurance you can “Become Your Own Banker” using the cash values in your policy, the premiums you have paid earn a guaranteed rate of return, while you make your policy’s performance exceed the estimated performance it was designed for! In fact the cash values and face value will become higher the more you use your cash values! The reason for this is that this kind of insurance pays dividends. Besides, your rate of return that you earn on the premium or dividend cannot be taxed under our current laws.

If you are concerned about the health care reformation, give thought to the following:

You can change to a health care policy that has a high deductable and you can lower your premiums.

Then pay the difference to a whole life insurance policy that will pay you interest on your premiums and will allow you to use the cash values and watch your dividends grow tax free.

This simple money switch will put you in the driver seat.

Because you have taken charge by “Becoming Your Own Banker” you will have significant winnings! Keep this in mind, use the cash values in your life insurance policy, the more you use them the better they become.

And also, with a policy that has been structured properly, if you chance to become disabled don’t worry, the premium will be paid automatically by the company and the cash values will continue to rise…there is no need for the “high premium” disability insurance!

The bottom line is this: When you utilize the “Infinite Banking Concept,” you will win!

“Finally, a plan that truly works! It is time-tested, contains no gimmicks, no multi-level marketing, and no schemes.”- Ruthann and Walt

Tom McFie PhD. with Life Benefits, Inc. is widley recognized as a financial coach that helps people recover the money they spend. Tomas does this by teaching people how to utilize the infinite banking concept as described in the book Becoming Your Own Banker

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Save Your Finances With Health Insurance

Thursday, October 29th, 2009

Health issues can take all of us by surprise. A person can be what the world would consider a specimen of health one day and the next day end up in the hospital. Hospital bills and other medical expenses seem to rise every day. Health insurance can protect your life savings and help you to get the care you need.

Sometimes you think that we are lucky and do not need health insurance since we have not been sick in years, and then a slow growing tumor or a weak spot on an artery or even a blockage in a main artery develops and suddenly, you are sick and in the hospital. Without medical insurance, you are headed down a road for financial difficulty. Unfortunately, this incident may have made it impossible for you to get that insurance.

On the other hand, illness sometimes come on quickly. We are exposed to thousands of germs and other pathogens every day. Many times our immune system is able to fight them off, but on occasion, one works its way into our body and suddenly we require medical treatment.

In addition to illness, there are accidents that can put us in the hospital. With car accidents, we can depend on auto insurance and with work accidents, there is workers compensation, but what about those accidents that happen at home and require treatment. Without medical insurance, you will pay for those accidents out of your own savings account.

The loss of work can often be devastating enough, but if you add the hospital bills, an entire life savings can be lost if you do not have health insurance.

One emergency room trip can cost thousands of dollars. An overnight stay in ICU for the needed observation can add even more costs. When you are out of the hospital, the charges for necessary prescription medication can sometimes be 700 dollars for one prescription. All of these can erode away a large savings account.

Health insurance can stop the expense form growing to a point that you cannot afford to pay.

Want to find out more about Health Insurance #1, then visit Regis Quitman’s site on how to choose the best and most affordable health insurance for your needs.

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