Friday, December 2, 2016


Have you ever wondered how to cut down what you pay as premium to insurers every year? Or maybe you have the thought of paying less premium without cancelling your policies? Do you want me to show you ways to beat your insurers to their game and get more for less? Accountants talk about minimizing costs and maximizing profits, do you know that you can actually lower your insurance cost by over 50% and in turn raise you benefit to 50%+ too?  Do you want to apply this to your insurance cover? 

Sunday, November 20, 2016

Obamacare supporters admit insurance premium will rise

Obamacare, Obamacare raise premiums, insurance premiums,obama
The federal health law that will take effect next year is expected to raise insurance premiums, especially for people who purchase their own insurance, expert said.

The law will mandate that plans increase their minimum benefits, and it will ban insurers from weeding out people already diagnosed with illnesses.

Saturday, November 19, 2016

Small Businesses would rather pay Penalty than offer Health Insurance

The Wall Street Journal reports that a number of companies would rather pay government's penalty to break the law and it will be cheaper for them than following it.

Under the Obamacare provision that goes into effect next year, employers with 50 or more full-time workers will be required to provide coverage for employees who work an average of 30 or more hours a week in a given month. An alternative to that mandate is for business owners to pay a $2,000 penalty for each full-time worker over a 30-employee threshold.

Friday, November 18, 2016


One burning issue in the mind of an average person in this part of the world when it comes to insurance products purchase is: “Will the insurance company pay me when I have a claim?” This question is as old as insurance itself. I recall instances when I have to talk with people about insurance and the need to insure, the response I get from some of them is the same as above. Many have tagged insurance companies as fraudsters! This blog is written to correct this notion and hopefully clear all doubts.

Tuesday, November 15, 2016

Obamacare Deadline March 31st; Important Points to Remember

March 31 is just around the corner and it is the deadline of Affordable Care Act open enrollment. If you missed the deadline and have not purchased health care coverage you may be penalized (tax penalty) on your 2014 taxes filed in 2015. You will also have to wait for the next open enrollment period.

If you have already insurance from your work, Medicaid, Medicare, or others you will not be penalized as long as it have the minimum standards under the Affordable Care Act.

Sunday, November 13, 2016

Important Points to remember when Getting Travel Insurance

Malaysia Airlines Flight MH370, Malaysia Airlines, Travel Insurance
With the recent unfortunate mysterious disappearance of Malaysia Airlines Flight MH370 a lot of travelers are thinking that you can never say that you are 100% safe. The Malaysian passenger plane which has 239 people on board vanished in the skies over Southeast Asia Saturday March 8, 2014.

The Malaysia jet is a Boeing 777-200 model which have an excellent safety record.

Friday, November 11, 2016

Is Insurance an Expense of an Income?

When you hear insurance, what exactly cross your mind? Do you think expense? But do you know that insurance can an income to you? Shocked to hear that? Don't be, an insurance policy that you take can help protect your asset from loss believe it or not. Let's look at this scenario, you bought a car for a Fifteen thousand dollars ($15,000.00) and insured it with an embarrassing amount of Seven Hundred and Fifty dollars ($750.00)!