Search Results for: insurance

Which person is most influential in your life? We are the ones who have the greatest influence! We are the only one who can have greater influence than others. Self-talk is a way to influence yourself. Your words and how you talk to yourself have far greater impact than we can imagine. The following self-talk is by an […]

When you open your mail, you find a letter from professional liability insurance. You are about to sign off on the letter when you realize that your insurance company has made some allegations about a claim you have recently filed that could potentially affect your coverage. This could indicate that you are not covered for the claim. […]

If you itemize, premiums, copayments and certain other expenses may be deductible. You may be eligible to deduct Medicare costs such as copayments or premiums if you itemize your income taxes. Unreimbursed medical or dental expenses may be deductible if they exceed 7.5% your adjusted gross income. Part A premiums can be deducted under certain circumstances. […]

Long-term care costs can cause serious damage to your retirement savings. The U.S. Department of Health and Human Services estimates that 27% of Americans who turn 65 in this year will have to pay at least $100,000 for long-term care, and nearly 18% will need care exceeding $250,000. This is a difficult pill to swallow for seniors. […]

Speeding is costly. Full coverage car insurance costs in the U.S. for a speeding ticket are $2,029 per annum, compared with $1674 for a clean driving record. It’s difficult to determine the average speeding ticket cost because penalties are assessed based on how many miles you drive in states such as Wyoming, Pennsylvania, and Michigan. Most states have penalties […]

Many agencies fail because they don’t have enough customers to buy from them often. Either they don’t attract enough clients or let their existing clients go. This is the number one reason I have seen agencies go bankrupt. It’s hard to believe how many well-managed agencies have failed because they didn’t have enough customers. Some agencies, however, […]

Selling final expense life insurance is my favorite sales job. Since I was 13, I have been in the sales industry for 13 years. I have always done well in sales. I am the most successful salesman anywhere I go. Final expense insurance is simple to sell and pays a lot. My first final expense appointment earned me […]

Private insurers offer Medicare Advantage Plans as an alternative to Original Medicare. Here are some tips to help you shop. Although you may have heard about Medicare Advantage Plans (or how they fit in the Medicare universe), do you know how to get one? Medicare Advantage Plans can be described as an “all in one” option […]

Medicare can help you pay for prescription drugs in two ways. Even though many seniors rely on medicines for their health, you won’t find outpatient coverage in Medicare Part A and Part B. Part D is an optional program that covers prescription drug costs. Medicare started offering it in 2006 as an option. Prescription drug plans […]

Owning a car is not just about filling it with gas and driving to where you want. Routine maintenance is essential if you want your car to last. A log of your car maintenance intervals will help you stay on track and keep your car in good condition for many years. It will be easier to track issues […]