A Total Protection Plan…Should offer a "Simple, Affordable Solution" for your healthcare and life insurance needs by protecting you and your family from the high costs associated with a Major Illness, Injury, Accident, Disability, Unemployment and Death as well as providing coverage for everyday health needs such as Doctor Visits, Prescription Drugs, etc.
Protecting yourself and your family from the financial problems associated
with a Major Illness, Injury, Accident, Disability and even Death is
becoming "More Critical These Days" than ever before. Health
conditions once considered fatal are now treatable due to advanced technology,
improved medical procedures, early detection and public awareness. A real eye opener is the reality that the financial impact of a medical crisis affects even those with health insurance coverage. Families are oftentimes unprepared for the costs associated with limited health coverage, paying the deductible, meeting the co-insurance, miscellaneous out of pocket expenses and possible time off from work, loss of wages, etc. It would be in your best interest to "Investigate Your Current Policies" and the "Type of Protection" you now have in place. Recommendations 1) A Full Major Medical Insurance Policy with $5,000,000 lifetime benefit, maximum two family deductible with a minimum 80/20 co-insurance or an HSA Major Medical Insurance Policy featuring low premiums, quality coverage, no co-insurance and a triple tax advantage. (Add to either program, accident and critical illness riders to cover most, if not all your deductible and/or co-insurance responsibilities.) 2) A Critical Illness* plan offering you a lump sum of between $20,000-$200,000 paid directly to you! (To use for whatever purpose you see fit) 3) A Accident Protection* plan covering the majority of your deductible and/or co-insurance responsibility. 4) A Disability Insurance plan with a Return Of Premium feature to protect you and your family's standard of living and assets. 5) A Final Expense plan to cover the bare essentials of funeral and burial. 6) A Level Term Life Insurance plan with a Return Of Premium feature to protect your loved one's future financial welfare. Note: A Return of Premium feature offers you the best of both worlds, Protection If You Need It, Money Back If You Don't! Because of this, many value-driven consumers choose this unique solution for their life and disability insurance protection. It's basically a Win-Win Situation! *
A
Critical
Illness accounts for 64% of all hospital stays, and an Accident
accounts for 18% of all hospital stays. In Closing, Let me just say that having had a son with Leukemia and a wife with Breast Cancer, I have personally seen health insurance in action and I know first hand, the importance of Quality Health Insurance Coverage. There's "Bad" health insurance coverage and then there's "Good" health insurance coverage. (And just having any name brand insurance company doesn't necessarily mean good) You really need to be careful that you're not paying for the sizzle (Bells & Whistles) in replace of solid coverage (Meat & Potato's) in any policy. Hope this all makes sense to you. Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740 |
Questions? E-mail Illinois Insurance Pro
(Illinois Insurance Pro) Above programs may not be available in all states. (Illinois Insurance Pro)
(hospital, medical, health savings accounts, hsa, critical illness, accident, disability income, final expense, return of premium term life insurance)
Disclaimer: As always, certain restrictions may apply. Last updated October 2008. Not responsible for errors, omissions, rate or policy changes.
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Low
Cost Or No Cost Term Life Insurance?
With "Low Cost Term Insurance", you pay inexpensive premiums for many years, and while important to have this protection, you risk paying for coverage that you may never use. With "No Cost Term Insurance", you receive the necessary Insurance Protection, and if you outlive the term of your policy, you receive all your money back! It's actually a Death Benefit...with...A Life Benefit. (You receive 100% of all your premiums, including rider costs and fees) A Return of Premium feature (Surrender Benefit) offers you the best of both worlds, Protection If You Need It, Money Back If You Don't! Because of this, many value-driven consumers choose this unique solution for their life and disability insurance protection. It's basically a Win-Win Situation! Contact Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740 |
Questions? E-mail Illinois Insurance Pro
(Illinois Insurance Pro) Above programs may not be available in all states. (Illinois Insurance Pro)
(hospital, medical, health savings accounts, hsa, critical illness, accident, disability income, final expense, return of premium term life insurance)
Disclaimer: As always, certain restrictions may apply. Last updated October 2008. Not responsible for errors, omissions, rate or policy changes.
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When buying insurance, should you work with a "Captive Insurance Agent" or an "Independent Insurance Broker"?
Independent Insurance Advisors/Brokers, are free to represent many insurance companies. They are free to shop the total insurance marketplace to find the best policy and the ideal combination of products that will provide their clients the best value, coverage and price.They do all the researching for their clients, eliminating the need for their clients to shop on their own and risk the possibility of purchasing a policy because of the "Bells & Whistles" and not for the "Meat & Potato's". It's also not uncommon for captive agents to claim to be brokers in an effort to "Make A Sale" and to discourage their potential client from talking to a Real Indepentent Insurance Agent. If you're not sure whether that person is a captive agent or an independent insurance advisor…ask for their business card. If it contains the name of a single insurance company, that's who they represent! Note: A word about deductibles. A deductible is the amount you pay in a single year before your insurance company will start to pay. Sadly, many insurance agents like to push their clients toward very low deductibles. (Under $2,500) The lower your deductible, the higher your premium (the amount that you pay each month). Since insurance agents get paid a small percentage of your premium, it just makes sense that the lower your deductible, the bigger the agents commissions are! Therefore, an agent has a huge financial disincentive to save you money. (A "Red Flag" should always come up if you're presented with any deductible under $2,500!) Contact Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740 |
Questions? E-mail Illinois Insurance Pro
(Illinois Insurance Pro) Above programs may not be available in all states. (Illinois Insurance Pro)
(hospital, medical, health savings accounts, hsa, critical illness, accident, disability income, final expense, return of premium term life insurance)
Disclaimer: As always, certain restrictions may apply. Last updated October 2008. Not responsible for errors, omissions, rate or policy changes.
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* A Critical Illness Accounts For 64% Of All hospital stays! * An Accident Accounts For 18% Of All hospital Stays! Critical Illness Insurance & Accident Protection Programs are very affordable, and considering that combined, Critical Illnesses And Accidents account for 82% of all hospital stays, It just makes good sense, to be covered against them. (At the very least, your Deductible, Co-Insurance, Co-Pays and any other out of pocket obligations) Protection is very affordable and can truly safeguard you and your family from the financial strain that comes from a critical illness and accident. Contact Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740 |
Questions? E-mail Illinois Insurance Pro
(Illinois Insurance Pro) Above programs may not be available in all states. (Illinois Insurance Pro)
(hospital, medical, health savings accounts, hsa, critical illness, accident, disability income, final expense, return of premium term life insurance)
Disclaimer: As always, certain restrictions may apply. Last updated October 2008. Not responsible for errors, omissions, rate or policy changes.
Guaranteed Protection And Asset Growth Strategies
40 Year Old Male - Best Class NT* - Needs $250,000 Of Protection
We are all in challenging times. The economic turmoil and market volatility that our country has recently experienced and the fact that many Americans have suffered significant losses to their retirement and investment plans, has many of us rethinking about our financial future. Because of all this, we are evaluating our current financial situation and rethinking our plan as we search for answers to a secure future. Now more then ever, we want stability and financial products that we can depend on. We all need to be anchored by a sound life insurance policy that addresses our initial protection needs and provides us with guaranteed asset growth. Below are two protection strategies at different funding amounts that make use of your money by purchasing the coverage we need while building our assets.
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PROTECTION STRATEGY #1 Return of Premium Term - Annual Premium of $689.13 |
PROTECTION STRATEGY #2 Whole Life - Annual Premium of $3,075 |
| * Provides necessary protection at affordable guaranteed cost. | * Provides necessary protection at guaranteed premium until the age of 121. |
| * Provides guaranteed asset growth - premium refund of $13,783 at end of 20 years. | * Provides guaranteed death benefit and guaranteed cash value. |
| * No lost opportunity cost of premiums as every dollar is returned - guaranteed! | * Provides you with an accelerating opportunity for death benefit and asset growth with dividends purchasing paid up additions. |
| * Provides the option of continuing coverage with convertibility provision at end of term to a permanent life insurance plan. | * At age 100, you have a death benefit of $665,229 and a cash value of $583,093. |
| * Provides the funding option for converting to a guaranteed single pay whole life plan - $13,783 single premium purchases $28,392 of paid up insurance. | * Provides a long tern protection solution that guarantees asset growth and wealth building. |
| * At age 100, you have a death benefit of $70,180 and a cash value of $62,248. |
*As of Nov,2008. Best class non tobacco is super preferred for term plan and preferred class for whole life plan. Other restrictions may apply.
Contact Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740
Questions? E-mail Illinois Insurance Pro
(Illinois Insurance Pro) Above programs may not be available in all states. (Illinois Insurance Pro)
(hospital, medical, health savings accounts, hsa, critical illness, accident, disability income, final expense, return of premium term life insurance)
Disclaimer: As always, certain restrictions may apply. Last updated October 2008. Not responsible for errors, omissions, rate or policy changes.
Thinking Of Buying Mortgage Protection? Very Bad Idea!According to HUD, only 3% of mortgage foreclosures are the result of a death, while 48% are the result of a severe financial hardship! A "Good Deal" for the insurance company and a "Bad Deal" for you! Why then, are insurance agents pushing Mortgage Protection when Critical Illness Insurance is really the right product to offer their clients? (I just don't know) Critical Illness Insurance, with its "Dual Protection" is a much better option. You would receive a lump sum of up to $200,000 if you become critically ill, or your family receives the money in the event of your death. It just makes good sense.
If your mortgage balance is greater then $200,000, then I suggest you
also purchase a good Term
Life Insurance Policy that offers a "Return of Premium"
feature to cover the difference. Contact Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740 |
Questions? E-mail Illinois Insurance Pro
(Illinois Insurance Pro) Above programs may not be available in all states. (Illinois Insurance Pro)
(hospital, medical, health savings accounts, hsa, critical illness, accident, disability income, final expense, return of premium term life insurance)
Illinois major medical health insurance, return of premium term life insurance, critical illness insurance, accident protection, disability income protection, final expense insurance & Illinois medical/health/hospital/dental.
Disclaimer: As always, certain restrictions may apply. Last updated Illinois Insurance Pro, October 2008. Not responsible for errors, omissions, rate or policy changes.
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