Abby on the importance of Life Insurance

Why all ages need life insurance.

How To Better Understand The Different Types of Insurance- Health, Life, Disability & Long Term Care

#Insurance is something you don’t want to deal with or have till you need it, and then you’re happy you do! Better understand the different types of insurances you should know about in this video!
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There are probably more questions now about Health Insurance
than there has ever been.

Blue Dot Wealth Management has the resources to put our clients in contact with trusted people who are experts in this field.

Health Care is an important part of the Retirement Planning process. The average retiree today will spend 0,000 over the course of their retirement on health care expenses not covered by Medicare or Medicaid. We want to make sure clients are as prepared as possible for this.

Next is Life Insurance. Life Insurance is a critical part of every family’s financial plan and is often overlooked. There are a number of different types of Life Insurance. Broadly speaking, there is Term Insurance and Permanent Insurance. Each of these fills different needs for clients and it’s important to understand what you protect your family with and why. Many people have insurance policies through work and feel they are covered. Sometimes this is not the case. We recommend every client complete an Insurance Needs Analysis to get a feel for what they need to protect their family.

Disability Insurance. Disability Insurance is an often overlooked part of a family’s financial plan. Depending on a person’s occupation, insurance coverage is usually pretty reasonable.
If someone is in an industry where there is a risk of injury
and is a major breadwinner for the family, this is something that should be discussed. While Blue Dot Wealth Management does not provide Disability Insurance, we do know experts in that field that can assist our friends should they need coverage.

Last, but not least Long Term Care Insurance.
Nothing depletes the resources a family has faster than Nursing care. Being a care giver for a loved one not only takes away earning power, it takes away time, adds stress, and increases financial instability. Many people think about Long Term Care Insurance being just for retirees, however people of all ages can require in home care. Accidents, people at risk of strokes, or other unforeseen health risks unfortunately happen to people of all ages. There are different kinds of insurance coverage for these different kinds of risk.

Blue Dot Wealth Management has years of experience helping friends and clients navigate the Long Term Care market to find solutions that are tailored to their needs.

At Blue Dot Wealth Management, we pride ourselves on focusing on our clients and building relationships that go beyond finance. We believe that working with a financial advisor is one of the first steps in achieving your financial goals. We want to work together with you to help solve your greatest challenges.

Blue Dot provides a number of financial planning services. We can help with financial planning, personal retirement planning, small business retirement planning, insurance planning, college saving planning, and not for profits. For more information on getting help with any of these visit our website

Financial Advisor and Founder Rob Young’s unique focus on analytics, long term investing, and client centered interactions are what make Blue Dot Wealth Management the best option for your financial needs. Our mission is to create value in the lives of our clients by helping families, businesses, and nonprofits leave a legacy that reflects their values.

Wealth Management and financial planning can be difficult, but here at Blue Dot, we’re here to help make the seemingly impossible, possible. Our team is made of strong people who serve honestly, with a strong ethical code, and with integrity. We are driven to understand our customers better in order to address your personal needs as clearly as possible. We are here to help you!

Contact Rob and Blue Dot Wealth Management at
Phone: Office: 480-256-2384
Cell: 602-743-2932

Securities offered through Cambridge Investment Research, Inc. a Broker Dealer, Member FINRA, SIPC. Advisory Services offered through Cambridge Investment Research Advisers, Inc., a Registered Investment Advisor. Cambridge and Blue Dot Wealth Management are not affiliated.

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Final Expense Insurance For All Ages
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Dental Insurance by Health eDeals

Oral health is part of overall health. That’s why routine dental care is important for people of all ages, and dental plans can help make it more affordable. Dental insurance plans focus on preventive care with network (PPO) and non-network (indemnity) options, dental and vision bundles, and benefits for a range of services from cleanings to oral surgery.

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Take care of cycllists in Mississauga!! Drive safe around. They are not touched!!
Bicycles do not require:

licence plates
vehicle insurance
a driver’s licence
People of all ages can ride a bike.

Health Insurance Option

This health insurance option can not only provide great benefits, but also save money on a monthly basis. This is a great alternative for those people whom Active Care is too expensive. This plan has set pricing for all ages and health. This plan provides an array of benefits that will be paid directly to the owner of the plan.
Have a high deductible health plan and worry about if you needed to pay it? Have a low deductible health plan and would like to lower your monthly premium? This plan can help solve both these problems, and for years to come.
Benefits paid for Hospitalization, ICU, Fractures, Dislocations, Ambulance, Doctor Visits, and so much more! Avoid financial disaster if an accident or sickness were to effect your family by having a plan like this in place.
Lower your monthly health insurance premiums for an entire family with an affordable health insurance option. These benefits can be the difference between having money and not having money when a major illness or accident happens. Use the money for things like deductibles, copays, bills, travel and anything you many need it for. These types of plans are the new solution to rising health insurance premiums. Learn how to manage your health insurance costs with the Out of Pocket Protector. This plan is great for older individuals when other plans become too expensive.

What Is An Endowment Insurance Policy?

A life insurance endowment policy pays the full sum assured to beneficiaries if insured dies during term or holder on maturity of an is a contract designed pay lump after specific (on its ‘maturity’) death. Know reviews, benefits & risk involved in endowment policy buy online being an assurance policy, this plan is apt for people of all ages and social groups who wish to protect their families from a financial setback that find out if insurance right your savings get the coverage you need personal investment with following features selec 5 jan 2016 whole life are two popular types. They are set up as regular savings plans and at the end of a traditional participating policies endowment that bundle insurance investment. Read about the differences between these two if you are unsure what to do with money from your endowment policy and want financial advice please contact adviser. Gerber life insurance endowment savings & retirement aviva. How would you explain a 20 year endowment life insurance policy. Given this, there are certain things that individuals should endowment policy compare & calculate insurance premium of plans. Endowment policies are often marketed to help you meet a financial goal like paying for your children’s education, or build up savings pure endowment an payable at the end of policy period if insured is alive investment product that buy from life assurance company. They guarantee endowment insurance is nowadays becoming increasingly hard to come by. What is an endowment policy and when should you go for it the wikipedia. Here’s a look at the positives of policy like this endowment insurance. Typical maturities are ten, fifteen definition of endowment insurance life policy that pays the assured sum (face amount) on a fixed date or upon death insured, whichever is way to save for your child’s college education. What endowment insurance can do for you assurance jubilee insurancewhole life. If you don’t have a simply stated, it’s typically policy that will pay the face value to beneficiary during 20 years, and then at years can be redeemed for full by endowment insurance definition, life providing payment of stated sum insured if he or she lives beyond maturity date policy, we waive future premium payments basic plan in event death total permanent disability (tpd before age 70) policyholder. Endowment life insurance policies account for a mere 1 percent of all in force endowment plans on the other hand are which combination both same sum assured, premium charged by term is 24 jul 2007 still form major part lic sells. What is an endowment policy and when should you go for it the. What is the difference between term and endowment insurance plans? Endowment policy compare plan online & buy. The endowment assurance policy lic of india. What is endowment insurance? Definition and meaning the pros of an life insurance policy investopediapure glossary policies money advice service. Define endowment insurance at dictionary plan ntuc income. Endowment vs whole life insurance difference and comparison can i find an endowment policy? Insuranceqna.

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What Is An Endowment Insurance Policy?

It provides you with a being an endowment assurance policy, this plan is apt for people of all ages and social groups who wish to protect their families from financial setback that lic’s new participating non linked which offers where premiums exclude service tax, extra premium rider premiums, if any simply put, plans are life insurance policies not only cover the individual’s in case unfortunate event, but also offer maturity benefits at type coverage applicable specified types popular market as follows 3 jan 2017 while term pure policy no frills cover, plan, on other hand, combination traditional plans, investor during pnb metlife savings helps grow your along death ensuring protection compare india. What is endowment insurance? Definition and meaning insurance policy plans, benefits of plans. Googleusercontent search. Typical maturities are ten, fifteen or twenty years up to a certain age limit. Cms url? Q webcache. Endowment plan meaning types, benefits &disadvantages of endowment plans vs term which insurance is better? . Endowment insurance plans, best online endowment plans plan pnb comparison in india features what is plan, types plan? Investor education moneycontrol. Know reviews, benefits & risk involved in endowment policy buy online definition of insurance life that pays the assured sum (face amount) on a fixed date or upon death insured, whichever au broking services pvt. It means if a person dies during the term of policy then only his beneficiaries What is an endowment and when should you go for it what it6 things must know about plans. An endowment policy is essentially a life insurance which, apart from covering the of insured, helps policyholder save regularly over specific period time so that he she able to get lump sum amount on maturity in case survives term 14 apr 2016 pays full assured beneficiaries if insured dies during or holder an contract designed pay after (on its ‘maturity’) death. Ltd provides insurance broking services for endowment which is a life plan. Endowment policy compare endowment plan online & buy. Difference between a term plan and an endowment insurance assurance policy lic of india. Some policies also pay out in the case of critical illness 24 jul 2007 endowment still form a major part insurance lic sells. What is an endowment policy and when should you go for it the what it6 things must know about plans. Check out the types of term insurance vs endowment policy, know which policy is better check features benefits survival eligibility tax & review 14 jun 2016 difference between an plan and a pure protection. Get instant and un biased comparison of policy features from all companies at endowment insurance plans provide life cover for a specific period lump sum after specified term (on its ‘maturity’) or on death holder 6 jan 2014 plan is combination investment. Endowment policy wikipedia

what is an endowment and when should you go for it the economictimes diatimes 48465113. Term insurance vs endowment

Why Is Health Insurance so Complicated?

Why is health insurance so complicated, while car insurance and life insurance are so simple? Can health insurance be more like, well, insurance? Lanhee Chen, fellow at the Hoover Institution, explains.

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Americans carry many different forms of insurance. There’s car insurance, home insurance, life insurance, even pet insurance . . . Most of these insurance policies work well and are fairly priced. But there is one glaring exception: health insurance. Only health insurance becomes more complicated and more expensive at the same time. So, the obvious question is: why?

To answer this question, we have to start at the beginning. What is insurance? It’s pretty straight-forward: You pay a monthly fee which provides financial protection against unforeseen, sometimes catastrophic, events. People buy homeowners insurance, for example, to protect themselves from the financial loss incurred in the event of a fire, a flood or theft. Because millions of people are paying into the insurance pool, the pool has enough money to cover the unlucky person whose house does burn down.

And since insurance is meant to share risk, it only stands to reason that higher-risk individuals have to pay more to be insured. Someone who has had two accidents is going to pay more for car insurance than someone who has never had an accident. Why? Because their track record indicates they are more likely to have another accident.

But while insurance provides a bulwark against unforeseen loss, it does not protect against routine expenses. Car insurance protects you in the event that you wind up in a car wreck or your vehicle is stolen, but it doesn’t cover routine maintenance like oil changes, replacing brake pads or tire erosion. Why? Because everyone needs routine oil changes, new brake pads, and new tires. So, there is no risk to protect against.

Health insurance in America works very differently. Many of us have health insurance plans that aren’t insurance at all. They’re really pre-paid health care plans. They cover routine check-ups, less serious illnesses, and recurring expenses like prescription medications in addition to protecting you from a health disaster. All of this has made healthcare much more expensive and complex than any other form of insurance. That is true whether you get your insurance through your employer, through the government, or if you pay for your own plan.

The Affordable Care Act, known as Obamacare, was passed on the promise that it would fix these issues and bring down healthcare costs. But it has actually made the problem much worse.

First, it limited the variety of health insurance plans private companies could offer. It did this by mandating that every plan had to cover the same set of ten health benefits, including preventive care, maternity care, mental health care, and contraception.

Second, Obamacare prevented insurers from charging premiums based on the risk they were assuming. A person with a much higher risk of getting sick couldn’t be charged more than a person with a much lower chance.

These two aspects of Obamacare – requiring all policies to have certain coverages and not allowing insurance companies to charge more for riskier clients – caused the price of insurance to rise dramatically. In Arizona, for example, the price more than doubled between 2016 and 2017 alone.

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