Benefits Of Using A Health Insurance Broker In Manhattan There are a myriad of benefits to using a health insurance broker in Manhattan. With the City’s complexities and nuances. Brokers are a no-cost way to get help navigating the often-complex world of health insurance and Medicare. Life143 dedicates their time to providing New York City…
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Adjustable Life Insurance: Pros & Cons of Flexible Premiums Grasping everything you need about life insurances can be a doozy every now and then. It has many shades and needs a whole lifetime to really master the in’s and out’s of the plethora of options life insurance provides. With adjustable life insurance being a form…
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How Long After I Enroll In A Health Care Plan Will Coverage Take Effect? How long after I enroll in a health care plan will coverage take effect? Once you’ve enrolled and made your first payment it can take about 3 weeks, for your application to be processed. If you applied for major medical health…
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Understanding Reduce Paid Up Insurance Understanding reduce paid up insurance is can be overwhelming, especially when you’re too busy commuting either on the LIRR or NJ Transit or the Q train. To give you the gist of it all. Reduced Paid up insurance allows you to stop paying life insurance premiums in exchange for a…
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3 Levels Of Care Long Term Care Policies Cover LTC policies which can be marketed in form of individual policies, group policies, or as riders to life insurance policies, provide coverage for individuals who are no longer able to live an independent lifestyle and require living assistance at home or in a nursing home facility.…
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8 Common Life Insurance Riders Accelerated death benefit rider (ADB): This rider allows you to access a portion of your death benefit while you are still alive if you are diagnosed with a terminal illness. This can help you pay for medical expenses, long-term care, or other expenses. Guaranteed insurability rider (GI): This rider guarantees…
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Increasing Term Insurance Increasing term insurance is term that provides a death benefit that increases at periodic intervals over the policies term. The amount increase is usually stated as specific amounts or as a percentage of the original amount. It may also be tied to a cost of living index, such as the Consumer Price…
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Are Health Insurance Premiums Tax Deductible? Understanding health insurance premiums can be a bit of a doozy especially in New York City. Whether or not health insurance premiums are tax deductible depends on a few factors, including your income, your filing status, and the type of health insurance you have. In the United States, health…
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Self Employed Dental Insurance Being self employed is very common in New York City. Getting self employed dental insurance gives you access to dental care that you would not get as just a standard self employed individual. Self employed dental insurance helps you maintain your oral health and save money on future dental procedures. Self…
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What is a Point of Service (POS) Health Plan? POS plans are health insurance that combines elements from an HMO and PPO. With a POS plan, you can receive care from an in-network or out-of-network provider, but you pay less for going in-network. It’s similar to the PPO model in that respect. Most POS plans…
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