At Circa Benefits Insurance Agency, we believe that most small businesses and families are underrepresented when it comes to their insurance needs. Small businesses need a broker who knows the Small Group Insurance Market, along with the complexities of Health Care Reform. They need someone to select plans and coverages that are affordable without stripping benefits from employees or neglecting exposures that can jeopardize a business owners' future.Individuals and families also need appropriate protection, coverage that fits into their household budget and can let them sleep well at night.
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With the passage of the Affordable Care Act, some aspects of health coverage have changed while others remain the same. To determine the right health insurance coverage for you and your family, it is important to understand how health insurance meet different needs. Here is a brief explanation of the different types of coverage available to you.
The total financial impact of cancer includes direct and indirect costs. Many persons diagnosed with cancer uses all or most of their savings because of the financial cost of dealing with cancer*. The problems are significantly worse for those without insurance. No one wants to experience a cancer diagnosis, but the fact is that the risk of getting cancer is great.
There is a direct correlation between premium rates charged and risk. As a result, the fewer the medical questions asked on an application, the higher the risk to the insurer and the higher the rates. Conversely the more elaborate the underwriting process is, the lower the risk and the better the rates.
Universal life insurance is a form of permanent life insurance offering the low-cost protection of term life insurance as well as a savings element (like whole life insurance) which is invested to provide a cash value buildup. The death benefit, savings element and premiums can be reviewed and altered you as your circumstances change.
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