Homeowners Insurance – What is the difference between a Hip vs. a Gable Roof?

Hip Roof A hip roof, or hipped roof, is a type of roof where all sides slope downwards to the walls, usually with a fairly gentle slope. Thus it is a house with no gables or other vertical sides to the roof. Example of a hip roof: Gable Roof A gable is the generally triangular portion of a wall between the edges of a sloping roof.  The shape of the gable and how it is detailed depends on the structural system being used (which is often related to climate and availability of materials) and … Continue reading...

Temporary Health Insurance Florida

Temporary Health Insurance Florida | Florida Health Insurance Short Term CLICK HERE TO QUOTE AND APPLY The primary reason you might want to consider a Florida health insurance short term policy is if you are in perfect health without any prior medical issues and are between jobs. The downside to temporary health insurance Florida is that they do NOT cover pre-existing conditions. To speak broadly and generally for most temporary health insurance Florida plan designs you may encounter, … Continue reading...

Florida Life Insurance – The Critical Illness Policy

With the high cost of Florida health insurance these days, many people are looking for a solution to lower their premium outlay, but don’t want to risk financial exposure if a catastrophic claim hits.  What are the solutions to lower costs while keeping well protected?  This article will explain one piece of the puzzle, a critical illness policy. Critical illness policies are Florida life insurance policies that deliver living benefits.  For a reasonably small monthly premium, you could have a … Continue reading...

Life Insurance in Florida – Who Should Own A Policy?

Everyone should own some life insurance in Florida as a safeguard of their financial security. There are quite a few factors to consider while selecting a policy. Life insurance in Florida can be relatively inexpensive. The most appropriate time to attain a policy is when you are young and healthy and if you are a smoker, quit if you can. A smoker usually pays three times in premium compared to a non-smoker. So, its in your best interest to quit. The younger you are the cheaper the premiums … Continue reading...

Whole Life Insurance Florida – Learn All About It Here

The most popular form of life insurance these days is Florida term life insurance. Term buys you more death benefit than whole life for a lower premium. But, it will end after a number of years. Alternatively, some people want their life insurance to last, well, for their entire life. This is where whole life insurance Florida comes in.  Whole life insurance Florida is also known as permanent insurance or cash value life insurance. A insured will have protection for their lifetime. Coverage … Continue reading...

Top 10 Health Insurance Myths

Myth 1:  I need to pay my deductible before my coverage kicks in. Not true for all services.  If you have a copay for Doctor and/or Specialist visits, your copay works prior to having to meet your deductible. Myth 2:  As long as my Doctor accepts my insurance carrier, I am in-network. Not always.  Sometimes Doctors take only certain networks within an array of carrier networks.  You need to check to make sure your Doctor takes the specific network of your plan. Myth 3:  I am … Continue reading...

Life Insurance Statistics

Source: Facts from LIMRA International The following are some interesting facts about life insurance in the lives of fellow Americans. Life insurance sales have been declining for years There have been steady annual declines in the sale of life insurance policies for the past 20 years (with a few exceptions). In 2002, the year after 9/11, new policy sales increased by only 3 percent. In 2004, they increased by only 1 percent. In 2006, there was neither an increase nor a decrease. The face … Continue reading...

Florida Health Plans – The Three Types of Plans

There are enough Florida health plans to make a potential insured's head spin. From health maintenance organizations (HMOs) to point of service (POS) to preferred provider organizations (PPOs), the possibilities are endless. But by understanding these three different types of health plans, you can help to guarantee that you make an informed choice regarding your health insurance plan. You'll need to understand your own medical needs and have a budget in place, but once you know what kind of … Continue reading...