Beyond the issue of mortality, a byproduct of the report demonstrates that the US health care system consistently delivers better underlying health care results than do the socialized health systems in other economically developed peer nations. This begs the question, why would the US now decide to move in the direction of these statistically less effective socialized health systems?

We offer individual health insurance plans from a variety of health insurers. Below are two options for learning more about individual health insurance – one online and one offline.
1). Self-Directed Online Quote Service
This option is a link that will take you to an individual health insurance quote “engine” from a third party we use called [...]

A “Buy Sell Agreement” is an agreement under which one party in a business agrees to buy another party’s ownership interest in the business at death. Buy sell agreements usually occur between partners, but may be established between investors, shareholders and may also be used by key employees who wish to purchase the business they work for in the event of an owner’s death.

Key Person Life Insurance is simply life insurance taken out on an individual (or individuals) in a business who is (are) vital to the business’ operation. If the key person were to die unexpectedly, the business would either sustain a substantial financial loss or suffer financially to the point of going out of business.

Here are six simple health insurance reforms that most insurers would be willing to agree with that would make a big difference in access to health care insurance. Further, these measures would place significant downward pressure on the number of uninsured U.S. citizens. And the best part, no socialized medicine, unfairly positioned co-ops or large deficits needed.

Health Savings Accounts Cincinnati
Would you like to learn more about Health Savings Accounts (HSA Plans) or see quotes for you or your company? The best way to learn more about HSA Plans from our agency is to have us contact you about a custom proposal. The easiest way to do so, is to submit your [...]

Annuities may contain a combination of pre-tax and after tax dollars depending on how they are funded. If an individual puts $10,000 of after tax dollars in an annuity and over time the annuity value grows to $20,000, the annuity now contains a combination of before tax and after tax dollars…

Other factors contributing to the amount of benefit paid out by an annuity are company expenses and investment returns. One insurance company’s investment portfolio may outperform (or underperform another company) thereby affecting payout amounts. Further, operating expenses can play a part in calculating benefit amounts. An insurer with higher operating expenses may yield lower benefit amounts to annuity beneficiaries…

The second stage of a annuity, after the accumulation stage, is the payout or annuitization stage. Once a person reaches 59.5 years of age, he or she can begin withdrawing funds from an annuity. Funds can be withdrawn in a lump sum, on a fixed period basis, or on an annuitized basis. There are many structures for withdrawal of funds from an annuity…

An annuity may be an “immediate” annuity or a “deferred” annuity. In the case of an immediate annuity, a person deposits funds with an insurer and a payout option begins “immediately” (may take 30 to 45 days). With a deferred annuity, an individual deposits funds (in a lump sum or through contributions over time) and “defers” annuity benefits until a later date, such as retirement…