Wednesday, December 29, 2010
Wednesday, December 22, 2010
What Does "APS" Stand for in Life Insurance?
During the underwriting process, many life insurance applications contain information or details about the applicant’s medical history that raise additional concerns.
While the medical questionnaire portion of life insurance applications contains comprehensive and thorough questions, there is no way to cover every possible medical malady. Applications submitted by consumers whose answers to medical questions indicate prior treatment for, or current diagnoses of, ailments relevant to life expectancy must undergo further analysis.
Requesting an Attending Physician Statement, or APS, is the most common and efficient way for underwriters to obtain factual data pertaining to an applicant’s health history.
While the medical questionnaire portion of life insurance applications contains comprehensive and thorough questions, there is no way to cover every possible medical malady. Applications submitted by consumers whose answers to medical questions indicate prior treatment for, or current diagnoses of, ailments relevant to life expectancy must undergo further analysis.
Requesting an Attending Physician Statement, or APS, is the most common and efficient way for underwriters to obtain factual data pertaining to an applicant’s health history.
Tuesday, December 14, 2010
Tuesday, December 07, 2010
Health Insurance Plan Comparisons
If you’re not familiar with the health insurance industry, choosing a medical plan presents a potentially significant challenge. Multiple types of health insurance plans exist, each with different features and benefits.
Your specific needs and budget should determine the policy you buy and understanding the differences between the plan types will make the task of picking the right one much easier and less confusing.
Your specific needs and budget should determine the policy you buy and understanding the differences between the plan types will make the task of picking the right one much easier and less confusing.
Monday, December 06, 2010
The Basics of Annuities
Annuities offer potentially substantial retirement investment opportunities. Countless annuity products are available from dozens of insurance companies, and each product offers its own set of attractive features and benefits.
However, depending on whether or not the annuity resides within a qualified plan, there may be limits on the amount of money you are able to contribute.
However, depending on whether or not the annuity resides within a qualified plan, there may be limits on the amount of money you are able to contribute.
Saturday, December 04, 2010
Friday, December 03, 2010
How to Get Group Health Insurance for Your Small Businesses
The best thing to do is enlist the services of an independent health insurance broker
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| Source: StockMonkeys.com |
Implementing a group health insurance plan for your small business requires submitting an abundance of proof that your company and its employees are legitimate. For smaller family-owned businesses with no other employees, obtaining medical insurance is even more challenging, usually due to a lack of formal employment and payroll records.
Thursday, December 02, 2010
Wednesday, December 01, 2010
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