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Tag: life insurance

insurance and finance

Insurance Must Haves for Baby Boomers

With the legislation that covers Medicare and Medicaid being constantly revised, baby boomers searching for comprehensive, affordable insurance might feel as if they are facing an uphill battle. Finding such coverage can be intimidating, but with the right search criteria, it doesn’t have to be. If you live in NJ you can use an insurance company that works with clients to create  personalized insurance checklist that itemize baby boomers’ individual needs.

When selecting a specialty insurance provider, baby boomers should consider the areas of life that protection is sough for —health or medical expenses, general life, loved ones, and even belongings. Baby boomers probably want to do this all at an affordable rate, without being taken advantage of. If you live in NJ you can use an local insurance company to guide a baby boomer through the steps necessary to insure all these elements and at an affordable rate.  They may even find some discounts that the policy holder didn’t know existed.

health insurance, disability

How to Attract and Retain Workers

Whether you’re a long-time employee, or seeking a new job, of course you want job satisfaction, but, even more importantly, you need to ensure you have good benefits or “bennies” as they are often referred to.  While health insurance, disability insurance, and life insurance packages provided to employees are fairly standard, employee benefits for financial perks are also attractive, no matter the age of the employee.

Traditional benefits

Employers who are savvy provide plenty of incentives to their employees to keep them aboard.  By offering a compensation package of the most sought-after benefits, they’ll lure the best workers.  Traditional benefits like adequate paid time off (“PTO”) and sick days are always appreciated and pretty standard as benefits go.  Likewise group health insurance is always a draw, especially with a lower deductible, less co-pay amounts and good prescription coverage.  Add the ability to have a flexible spending account (“FSA”) for your health insurance and employees will say “now you’re talkin’”.

life insurance

Types of Life Insurance

To be truthful, the majority of people don’t give much thought to life insurance policies.  Many employers provide life insurance benefits, and, be honest now… you give life insurance paperwork a cursory glance, wherein you might study your health insurance benefits a little closer.  For those who are not fortunate enough to have a life insurance policy through your employer, you probably push the thought of getting a policy in place to the back of your mind.  After all, who wants to deal with that morbid topic?  But procuring life insurance is not something you do so much for yourself, as for the loved ones you leave behind.  In fact, people are so lackadaisical regarding life insurance, often you are spurred to taking action only when someone you know relays their terrible tale of woe to you after their loved ones dies, and, then you vow that you won’t let that happen in your home.