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If you are not covered by health insurance through your employer or your spouse's employer, then you really care about just one thing, and that's being able to get good health insurance coverage without spending an all your savings and without having a very high deductible, so high that basically, you can't even afford to use your insurance.
Our solution is modern health insurance a low-cost plan with a zero deductible that you can use at every medical office and every hospital in the country. It's called the Five Star Health Benefits. You know that you can afford it. You know how much will be paid for a particular event or procedure or doctor visit or medication. You know that it will be accepted by any doctor or hospital. You know that you can concentrate on healing and recovering from your accident or illness instead of stressing over medical bills.
Five Star Health Benefits is a new kind of health insurance. It's what other companies may soon be offering but we have led the way. It will save you money, it will reduce or eliminate your medical bills, and it will give you peace of mind.
Unlike traditional health insurance, it is easy on your budget, it eliminates deductibles, and it is accepted everywhere. Five Star Health Benefits is a new type of Private Medical Insurance that pays for Illness or Injury versus the more expensive coverage options provided by the Affordable Care Act (ACA). Those who are Self-Insured can now pay for coverage they need and can afford.
Life insurance can fulfill a variety of needs, depending on what stage of life you're in. If you have others depending on you for support, you might want life insurance to help them cover expenses and meet future needs. Your beneficiaries can use the death benefit to take the place of your salary and pay for expenses such as day care and college tuition. Because death benefits are usually tax-free, they can be used as a quick source of cash to pay estate taxes and preserve the inheritance of future generations.
In the shorter-term, people often choose to buy life insurance to cover debts such as mortgages and car loans. In addition, life insurance can help pay for expenses at the time of death, such as medical bills and burial costs. Even if you have no dependents now, you can lock in lower premium rates for permanent life insurance by buying a policy while you're young.
A good rule of thumb is to buy life insurance equivalent to five to eight times your annual gross income. You should also consider individual factors such as income potential, ordinary expenses, extraordinary expenses, and federal estate taxes. Premium rates are generally determined by age, the younger you are when you buy your policy, the lower your rates will be.
There are two main types of life insurance: term and permanent.
Term life insurance is most appropriate for
Permanent life insurance is most appropriate for people who want: