THURSDAY, MARCH 3, 2016
Your life insurance Nashville TN protects you against any loss of income in case you (the insured) pass away. It allows your beneficiary to receive the proceeds of the insurance, safeguarding them from the financial impact of your loss. It is a binding contract between an insurer and the insured where they promise to pay the designated beneficiary a particular sum of money (benefits) upon the demise of the insured, in exchange for an agreed upon premium. Depending on the type of life insurance you acquire, other events like a terminal or critical illness may also trigger payment of the proceeds.
Insurance companies in Nashville and the general market typically charge a premium to be paid by the policyholder either as a lump sum or through regular payment. Most life insurance plans include benefits like funeral expenses and other settlements as stated in the program contract.
Life policies, as insurance plans are also called, are legal and binding contracts, the terms of which describe the coverage and limitations of insured events. They also lay down specific exclusions so that the liability and responsibilities of the provider or insurers can be limited. Some common examples of exclusions include claims relating to fraud, suicide, riots, wars, and civil commotions.
Generally,life insurance Nashville programs fall into two categories including protection and investment policies. Protection policies are designed to provide payments or benefits in the event of a specified incident or occurrence. This payment is usually a lump sum payment, but may also include other benefits. Investment policies, on the other hand, are used to facilitate capital growth through regular or single premiums. Some common forms of this type of policies include universal life, whole life, and variable life insurance programs.
The Jordan Insurance Agency is committed to providing you with the best insurance options in the Tennessee market, whether you are looking for health, dental, or life insurance companies, offering exceptional benefits at the most affordable premiums.
THURSDAY, MARCH 3, 2016
The Jordan Insurance Agency can assist you in finding the best term life insurance policy available in Charlotte. We work with all major companies to match the best policies to your needs and lifestyle. Whether you are the breadwinner in a young family or getting closer to retirement, we can find the right coverage for you at an affordable price.
We have been assisting people in and around the Charlotte, NC area for more than seven years. During this time we have been able to help many people have the peace of mind that having a Charlotte’s term life insurance policy provides.
The Jordan Insurance Agency can also assist you with finding whole term life insurance as well as health insurance coverage for long-term or short-term needs. We have standard health policies, dental coverage and critical care policies. We also can assist clients that are looking for Medicare policies. We are experts in helping small businesses that need employee coverage.
Contact us today to discuss how we can help you get coverage for whole term life insurance need.
SATURDAY, SEPTEMBER 12, 2015
It can be a challenge deciding how to use Medicare to your best advantage. Senior citizens are eligible to enroll in Medicare health care benefits at the age of sixty-two. Each person is covered by part A and Part B. Prescription drug coverage is not provided by Medicare, the government health care plan. As your Charlotte Insurance Broker can explain, one of the Medicare Advantage Plans will cover part of what Medicare does not pay and prescription drugs.
When you choose to enroll in an Advantage plan, it subsidizes the eighty-percent that is covered by Medicare. The enrollment period is for a year at a time. The cost may be paid on a monthly basis. In some plans in some states, there is no cost to join one of these plans.
Just as the senior citizen may have the cost for Medicare insurance taken out of the Social Security check each month, the cost of the Advantage Plan can be paid through Social Security. Generally, there will be co-payments for things like doctor visits and prescription drugs. When the senior needs a doctor other than the primary physician, often a referral is required before seeing that second physician.
Any time a doctor is seen that is not eligible to participate in the plan, there is no coverage provided to pay for the care. An advantage plan has a yearly limit on the amount the member must pay. Rules, lists of physicians and other coverage for tests and care are subject to change.
Once you are enrolled in a Medicare Advantage Plan, often referred to as Part C, coverage for Part A, hospital insurance, and Part B, which is coverage for doctor visits, blood work and other services as an outpatient, these other services will be covered by the Medicare Advantage Plan instead of standard Medicare.
An insurance broker can discuss which plans are available in the Charlotte area. You can learn and compare the cost, benefits and maximum payments you will be responsible for. You will save money on prescription drugs plus have other benefits.
Find an overview of the benefits and advantages you get when you use the services of a Charlotte insurance broker and more info about an experienced broker at http://www.thejordaninsuranceagency.com now.
WEDNESDAY, SEPTEMBER 9, 2015
SATURDAY, SEPTEMBER 5, 2015
In life, people should expect the unexpected. It can be hard to predict when certain events will occur and how best to prepare for them. Insurance is just one of the many ways people can feel protect against certain eventualities. This is offered in many forms and designed to provide varying amounts of coverage. There are all types of companies that offer plans providing compensation for death, loss, damage or illness. A Charlotte insurance broker might be of aid when it comes to finding the best available options for protection.
Brokers are the professionals who are tasked with selling, negotiating and soliciting protection plans. They can help people who are looking for insurance options but need guidance. The brokers are expected to listen to the desires and needs of their clients and then sort through all that is available in order to find what offers the best protection at the most affordable rate.
Finding the right plan and provider can be hard to do, especially since there are so many options. It is also important to consider ratings and reviews of providers, in addition to the plans or services they provide. The fine-print details of policies are important because there might be restrictions that insurers need to know.
Those who are not insured are likely to pay more money than policyholders. It is often overwhelming to try to come up with funds for unexpected events last minute. There is no single plan or provider that is ideal for all people.
Home, life, health and automobile are examples of the most commonly requested protection. These are valid for specific events and may have limitations. Most of the protection is offered as financial aid. There could also be protection against liability, damages and loss. Separate plans are needed for each kind of protection.
People are encouraged to learn as much as possible about available policies and the one they choose. They should be fully aware of when and how theirs is applicable and what situations have limitations or make the policy void. Brokers are available to answer questions and address concerns.
If you would like to know more about term life insurance, check with your Charlotte insurance broker. Discover the difference and independent agency can make when you visit us on the Web today at http://www.thejordaninsuranceagency.com.