The Advantages of Having Quality Family Insurance

Having family life insurance is one of the responsibilities to observe especially when you are starting a family. This is a protection that ensures each member of the family.There are different insurance types with different coverage and policies such as medical necessities and expenses and even funeral costs. One of the must-dos its to examine the family insurance quote offered by several insurance companies to gain quality seattle family insurance.

When your family has insurance, this will prepare you for any sort of mishap that would or might happen in the days to come. This helps you and your family to manage better when there are unexpected events that will need expenses such as medical ones or even in the event of an untimely death or even ensuring the future for your kids. You will need to pay for securing the family that you have and the insurer you’ve chosen will take the responsibility of accepting the premium. You can check the websites of insurance companies to widen your options on finding the best insurance coverage for your family. You will also get to make comparisons with varying insurance plans as well as choosing a preferred premium. Be smart, gain quotes from different insurance agencies to have the best deals in the family life insurance. But how do you get the best quote for your family? Aside from researching, be it from various insurance companies’ websites, you can also contact with insurance brokers.one sign of a good insurance company is when they utilize simple and comprehensive terminology for explaining policies and regulations about family life insurance. You should be totally aware about the coverage of insurance as well as the benefits that you’re getting when you plan on signing that particular insurance contract. 

It is a good step to get yourself an insurance broker or agent to assist you in achieving a good quote for your family insurance. Your insurance broker will also shed light on all details regarding insurance basics such as terms and conditions, policies and benefits. Therefore it is important to find an insurance broker that is willing to set time according to your schedule since constant communication is vital here. They make all the process and paperwork related to family insurance less tedious and less complicated because they will help you with a lot of things like filling out forms, having your whole family undergo medical examinations and etc. But first, find a good quality seattle family insurance.

Getting Yourself a Life Insurance Quote

Good comprehension should be there when you’re planning to have a life insurance. This includes knowing well on the coverage and policies that this insurance pertains and what it does for you, your family and your business depending on the type of insurance that you’re choosing. When you’re in Seattle, it is important to take an eye for top seattle insurance quotes.

Now you might be wondering as to what might be the essence of having to examine insurance quotes. Insurance quotes are actually your basis as to how much insurance you can afford for. These things will be considered: the type of insurance, what benefits are you needing, the amount of insurance and whether it is going to be term life or whole life. These are important considerations to help you achieve the best insurance quote that is there. One of the first things that you should do is to get a trustworthy insurance agent especially when you are not that knowledgeable or not that of an expert in this field. Insurance agents will first assess your current situation might as well your financial situation. Insurance agents will also provide you the best options available along with assistance and advices for a great insurance coverage. When you already are aware of the insurance type you need, then you can get a great life insurance quote. There are many things to consider before searching a life insurance quote. These are being aware of your own income, knowing your net worth, setting your financial goals, gauging your financial abilities , checking your health status and medical conditions, number of children sent for schooling, and etc. These are one of the things to be asked about when getting yourself a life insurance quote. 

Along with looking for the best type of insurance coverage, you could know more about how this insurance works with your current financial status. These are important things to get yourself top seattle insurance quotes. This is important to gauge and comprehend it such insurance with these policies and benefits would work for you, check if these would adequately protect your family when you are no longer there or it covers some risks and etc. It is also important to get yourself up to date with latest insurance quotes especially when certain major life changes happen in your life such as marriage, moving up and etc.

Happy Holidays !!!

What is Washington Healthplanfinder, and why do I need it? – By Heidi McAtee, AINS

Washington Healthplanfinder is a new way to find health insurance.  It’s a customer-friendly, online marketplace where individuals and families can find, compare and enroll in a health plan that fits their needs and budget.  It provides:

·       Side-by-side comparisons of brand new health plans

·       Financial help to pay for copays and monthly premiums

·       A link to expert customer support online, by phone, or in person through local organizations or insurance brokers.

As you may have heard now is the time to start thinking about your 2015 Insurance plans.  Open enrollment started November 15^th for plans starting January 1st through March 1^st 2015.  Any enrollment after these dates will need to be preceded by a qualifying event.  What justifies a qualifying event?

·       Getting married

·       Giving birth, adopting or placement of a child

·       Permanently moving to a new area that offers different health plan options

·       Losing other health coverage (for example, due to a job loss, divorce, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage or a health plan being decertified)

·       Becoming a US Citizen

·       Getting out of jail

While the Healthplanfinder website is a great tool for comparing coverage, it isn’t your only option.  If you do not qualify for a tax credit (, you do not need to purchase your plan through the website, in fact we’d almost discourage it.  The website has its benefits of comparing coverages, paying your bill online, and easily shopping from year to year.  However, so does dealing with a broker outside of the exchange.  Most companies have an online system that allows you to review your coverage, see where you are with regards to reaching your deductible, make payments and request explanation of benefits letters.  Dealing direct with a broker will also help you keep track from year to year what plan you are on, what options you have going forward. 

In addition to the purchase of health care being a law, it is important to know that you could be fined for not buying a qualified plan.  Starting in 2014, if individuals do not have health insurance, they will have to pay a fine of $95 or 1 percent of their annual income, whichever is greater.  The fine for individuals will gradually increase to $695 or 2.5 percent of the individuals income, whichever is greater, by 2016.  For families the penalty will be $285 or 1 percent of their household income, whichever is greater, in 2014 with the penalty increasing gradually to $2085 or 2.5 percent of their household income, whichever is greater, in 2016.

For more answers to your questions regarding your health insurance options, please call us a 425-740-5200 or visit http://wahbexchange.org/ it is a great resource for coverage basics, how to enroll, where to enroll, and who to talk with about your potential tax credit options.

A B C’s of Ordinance or Law Coverage – By Kevin Degginger

Imagine a covered cause of loss leads to major damage to your building. Since more than 50% was damaged, local law requires the whole building to be torn down and rebuilt to current building codes. You have building coverage with replacement cost valuation on your policy, so you’re covered…..Right? Unfortunately the real answer is, It Depends. Property policies typically have an Ordinance or Law exclusion meaning, coverage does not pick up the cost associated with upgrading a building to meet current codes and ordinances after a loss. Thus, merely having replacement cost coverage for a building doesn’t mean you have “upgrade cost.” This gap is made up by adding an “Ordinance or Law Endorsement”. Ordinance or Law coverage is broken into three segment limits. Coverage A – typically matching the building coverage limit- this coverage covers the loss of value of the undamaged portion of the building that must be torn down due to the building code being enforced following a loss. Coverage B – is your demolition cost- paying for the cost to actually demolish and remove the remaining portion of the building left standing after a covered cause of loss. Finally, Coverage C – increased cost of construction – covers the additional cost to upgrade building to meet any changes in code since the original building was constructed. Lastly, make sure your policy includes debris removal. Without it, you will be expected to pay the expenses associated with removing the demo’d property prior to rebuilding.