Pet Insurance For Heart Disease

Heart disease is a term that encompasses a variety of heart-related conditions and while many people know it is a serious condition in humans, those same people may not know that it affects their pets as well. The following are the most common forms of heart disease, and a little information on each.

Cardiomyopathy – This is a condition of dysfunction of the heart muscle, which results in the enlargement of the heart. This condition may be caused by thickened or thinned heart walls. Symptoms include fatigue, loss of appetite, panting, and coughing. Many pets die within six months of diagnosis, but quality of life can be increased with a variety of medications. Veterinary cost for treatment of this condition starts at $500.
Some of the most common breeds prone to cardiomyopathy are the Boxer, Cocker Spaniel, Doberman Pinscher, German Shepherd, German Shorthaired Pointer, Great Dane, Mastiff, Saint Bernard, Siamese cat, and Siberian cat.

Stroke – A stroke is caused when the pet’s blood supply doesn’t get to the brain, usually due to a blood clot or a brain hemorrhage. Swelling can occur with this as well, which leads to additional problems. The most common symptoms include staggering, falling, circling, dizziness, and vomiting. Strokes occur very quickly and can be quite scary, but most dogs recover from strokes. Prevention is key and includes keeping the dog on a healthy diet and allowing for enough daily exercise.

Congestive Heart Failure – This is a condition where the heart does not sufficiently provide blood flow to meet the needs of the body. This leads to fluid buildup in other organs. This condition can be congenital or caused from heartworm disease, heart muscle disease, valve degeneration, or arrhythmia of the heart. Symptoms include panting, coughing, and trouble bleeding. Sometimes swelling in the abdomen and legs can occur. There is no cure for congestive heart failure, but it is helpful to reduce exercise and sodium intake. Medications may also be prescribed. Cost for treatment can run over $2,000.
The main breed prone to congestive heart failure is the Cocker Spaniel.

posted by (Heather Rey)
Until next time, Michael Hartmann http://www.findyourpolicy.com/

Always remember our Mission Statement

“TO BE THE BEST IN SERVING OUR MEMBERS BY PROVIDING PEACE OF MIND THAT THEIR BENEFICIARIES RECEIVE THEIR INHERITANCE”

How to Claim Deceased Relatives Unclaimed Money

Unclaimed money can be claimed from owners who might be deceased relatives. According to unclaimed money laws and a recent statement from the U.S. Supreme Court (Texas vs. New Jersey, 379 US 674, 1965), the unclaimed property is returned to the state of the property owner’s last known address. If the address cannot be found, then it is returned to the state in which the business holding the funds is incorporated. At this stage, it is the responsibility of the unclaimed property office to find the rightful owners. The reassuring part of this process is that the unclaimed money for a dead relative can be claimed without any fear of the time limit; there is no time limit on claiming your property.

If you are on a mission to claim unclaimed money or any unclaimed money owed to your relative, then the following checklist might be a great way to kick-off the campaign. The following information being sought from the office of unclaimed property:

  • Name of the relative/predecessor (including maiden or former names)
  • Their Social Security number, current address
  • All previous addresses where she/he lived while in the state
  • They will want the same information about any other individual for whom you’re the legal beneficiary

The credit goes to the Social Security Administration which keeps tracks of all the personal and professional details of a person from life to death. This information helps the authorities in charge of the unclaimed funds, as they have the accurate data in front of them which they can utilize to cross-check the information that you have provided for your relative.

The government at both the federal and state levels is determined to return the unclaimed funds to the rightful owners, and they are leaving no stone unturned to locate the actual owners of these unclaimed assets. If you are trying to find unclaimed property, now is the best time to do that. It has to be understood that the unclaimed assets are in safe hands and can be claimed at any point of time.

As compared to the earlier years, both federal and state governments have simplified the claim process to a great extent. So, if you are looking for unclaimed money for which you are the rightful heir/owner, it makes practical sense to take all the help from the government machinery. At the present moment, every media avenue is being tapped by the state and federal agencies, and they have shown the proactive stance towards providing all the logistical and information-based help to the claimants. If somebody is looking for a heir unclaimed money or relative unclaimed money, then the best process is prescribed by the state unclaimed money websites.

posted by (Nicole Anderson)

Until next time, Michael Hartmann http://www.findyourpolicy.com/

Always remember our Mission Statement

“TO BE THE BEST IN SERVING OUR MEMBERS BY PROVIDING PEACE OF MIND THAT THEIR BENEFICIARIES RECEIVE THEIR INHERITANCE”

 

Health Insurance Exchanges

When people have started to think about what a health exchange is they have probably become more confused than anything else over the past few months and years. The concept by itself is fairly simple in that many people know it deals with health care reform. After that, the idea itself becomes more confusing and people can get lost throughout it. Part of the reason that the concept is confusing is because people continue to hear different rumors and ideas with respect to what is really happening with the healthcare situation. Regardless of what they happen to hear, however, unless something changes the health exchange idea has been signed into law and the concept is here to stay. What exactly is here and how it will affect you is an entirely different story, however.

Like it or not, there are going to be new rules that affect people and even small businesses within the country. More and more people are going to find that they are going to be forced to purchase some sort of insurance in order to cover them according to many. However, as more and more individuals buy into the healthcare system, it should also become more affordable for everyone inside the system and that means it will become more convenient and affordable for all as well. That is the main purpose of the healthcare reform; to ensure that if everyone pays into the system then everyone will have a chance at something affordable by bringing down the costs for all.

A health exchange specifically can mean a few different things, but one of the most prevalent throughout the case is definitely something that everyone should know. A health exchange in itself is where individuals can receive the choice to purchase healthcare at an affordable rate to cover themselves and their small business. It will be based upon different regions and different states in order to keep it truly competitive, but some of those details have yet to be fully worked out. But just because all of the details haven’t been worked out yet, it doesn’t mean that the central ideas and the main points aren’t still evident and in place.

More and more plans will also start to be created as well so that individuals and small businesses of all sizes, shapes, ages, and success rates will still have more and more options present for them. And while not everyone completely understands the idea or completely agrees with what they know, there are definitely a significant amount of details that are starting to emerge from the process itself.

While the concept of a health exchange is still being formed in some essence even as you read this, the truth is that the healthcare field is about to get turned upside down. People will finally be able to afford a legitimate healthcare plan which can cover them for cheaper than what they have already paid but also at a possible better efficiency and coverage overall as well. The plans are still being created, but for the first time in a long time there is hope.

posted by (James Watt)

Until next time, Michael Hartmann http://www.findyourpolicy.com/

Always remember our Mission Statement

“TO BE THE BEST IN SERVING OUR MEMBERS BY PROVIDING PEACE OF MIND THAT THEIR BENEFICIARIES RECEIVE THEIR INHERITANCE”

Deciding A Good Life Insurance

Life insurance is an essential factor in everyone’s life and especially for the ones having a family relying on their income. Even in some instances where the family is not dependent on your income, it can still be a good idea to take such insurance to help them cope with the highly upsetting and difficult event of your death. 

However while we all know it is a good idea to take insurance, it is difficult for most of us to know how to compare life insurance policies. There are hundreds of different companies to choose from like BMO life insurance, TD life insurance, etc., and knowing which one is best for you can be quite confusing.

Many factors make each policy unique where the most obvious is the cost of the insurance against the amount that would get paid out. The aim of a good insurance is to allow your family to continue with the way of life they experienced before your death and this would make it normally for those with higher paid salaries to take out more life insurance. Once you know how much you want to be paid out though, it then becomes a fairly simple matter of knowing how much you are willing to pay each month towards it. The more you can get for your money the better, so shop around different policies and companies to find which offers the best deal financially.

The price of your insurance will depend on numerous factors and the different companies might be better suited to different demographics. There are certain policies that are better for women and others that are better for young drivers. Here you will find that circumstances such as your job, your age, or any existing health conditions can all affect which choice is best for your insurance policy. Meanwhile some companies will offer better deals for those who want smaller policies while others will be preferential for those who pay in a lot.

At the same time you also need to look into the package you decide to take out. You will have to decide at this extent how much you are willing to pay, but different policies offer different perks and systems. For example some insurance companies will pay out in one large lump sum if you should die, while others will pay out in monthly instalments to mimic how your money would come in if you were still earning. This is purely based on the matter of preference and you need to decide whether you want the option to invest the money and make interest on it, or whether you would rather have a more simple system where you are not required to worry about what to do with it.

Other policies will provide you with the option to put an end date on the end. This will emphasize that you are guaranteed to get some kind of payout if you outlive the policy making it a much wiser investment.

posted by (Rachel Hammons)

Until next time, Michael Hartmann http://www.findyourpolicy.com/

Always remember our Mission Statement

“TO BE THE BEST IN SERVING OUR MEMBERS BY PROVIDING PEACE OF MIND THAT THEIR BENEFICIARIES RECEIVE THEIR INHERITANCE”

Life Insurance Industry Trends To Watch Out For In 2014

As the New Year approaches, now is the best time to throw a retrospective glance at some of the key drivers of transformation of the life insurance products in the industry over the last decade. After all, it is the trends that carry the potential of shaping the retirement planning, life insurance and health insurance markets in 2014. The driving forces in the market and the ways in which the carriers get back to them, can determine how effectively we can offer the kind of innovative solutions that consumers need and demand. If you’re looking forward to watch out for the life insurance industry trends in 2014, here are some that you may consider.

1.    Universal life products will come with enhanced guarantee: We are usually aware of the fact that accessing the life insurance markets can be a challenge. For example, given the order for increased reserves on GUL products or Guaranteed Universal Life, there were some carriers that withdrew completely or pulled back from their commitments to the GUL market in 2013. But along with the different challenges comes different opportunities, especially for the distribution partners and carriers who not only respond promptly but also have the required resources, insight, experience to predict the needs of the consumer and react proactively.

   2.    Innovations for boosting retirement income: A coalition of consumer interest in assuring plentiful income in retirement has also led to innovative product development and refinement, that promises to offer new opportunities for advisors, agents and clients. According to studies, it seems that financial literacy and retirement security are on everyone’s mind. Nearly 40% Americans were interested in learning about the ways in which they can generate retirement income. There has been a huge change in the mindset of the consumers, protecting assets is now 8 times more important than obtaining riskier returns. This new mindset has given birth to a new pack of solutions on both retirement planning and life insurance programs.

   3.    Brand new life insurance riders: As the carriers, agents and the advisors get enough opportunities to serve client needs with the most fastidious degree of sensitivity in 2014, there’s enough enthusiasm for the newest designs in the life insurance benefit riders. The insurance policies that can meet the needs of the clients, their children, that can provide early access to the death benefit, will become popular in 2014. Today’s middle-market consumers are often challenged to fulfill multiple types of needs by using fewer products and hence the US Department of Health and Human Services has pointed out the need for long term care.

   4.    Emerging health care needs: Yes, it’s a fact that opportunities in 2014 lie somewhere else. None of us are unaware of the ramifications and complications of the Affordable Care Act. This is perhaps the best time for the distribution partners and the carriers to utilize the unwanted public scrutiny over the health care access and deliver some of the groundbreaking products that can safeguard the consumers against the financial perils and desolating medical conditions. In a nation where medical bills result to 60% of the bankruptcies, the life insurance industry needs to serious buck up.

As we are about to step into 2014, we have to take into account the developments and trends that are going to predominate the New Year. Take into account the above mentioned changes to the life insurance industry and base your decisions accordingly so that you can make the right decisions regarding getting one for you and your family.

Author: Marc Brown

Marc B is a senior forum member with AmPmInsure Community. You can get in touch with him in Twitter: @marcbrown2050

 

Save Your Precious Time By Purchasing A Life Insurance No Exam Term Policy

In America the most bought insurance policy today is the term life insurance policy because of its sterling features and long term benefits. At attractive low premiums for a term as long as thirty years term life insurance can be purchased by the young people. Maximum mileage can be gained out of term life policy with riders such returns of premiums, family benefits, accidental benefits and others. You must buy the term life insurance policy at the earlier age preferably in twenties to get the low rates. Not only that you must also see to your health condition and shape it in such a way to avail low rates. Health check up has to be done completely to find out any ailments. Better to stop smoking and tobacco before an year apply for insurance.

If you are buying a life insurance no exam policy you don’t have to take the physical test. The regular physical exam policy costs less than this policy. No exam policy requires less time to process as it includes just answering a few questions. Insurance policy rates are determined based upon the answers provided where the questions pertaining to family health conditions, lifestyle etc.

Life insurance can be bought online or over the telephone and thus posses a life insurance policy in a matter of minutes. You are found eligible for term life policy as soon it is determined by the answers to the age, health and lifestyle you are been offered a rate. The policy can be owned if you agree to the terms and conditions. Paperwork and documentation is less wherein processing and administration is very less. An instant term life insurance policy is gaining in popularity all over the country and more people are opting for it. A decision of getting the life insurance policy must be done after clearing of all the doubts and queries regarding the terms and conditions. Queries like policy conversion options, aspects of increasing, decreasing level coverage can be asked to the agent or to the representative. Always better to be familiar with the riders so as to include in the policy and inquire whether the riders expires when the policy term ends or later. Be clear on the rider’s that you choose and if it is the children’s rider ask them when to get convert the term policy to the permanent one.

When it comes to conversion and renewal of the term life policy all insurance companies have their own terms and rates. Before settling to buy a policy, take your own time to comprehend what the policy actually entails. Don’t hesitate to ask how many queries you have. The coverage goes on decreasing as the term wears on because of which the decreasing term life insurance policy is the cheapest of all forms of term life insurance policy. A mortgage life insurance can be opted for a decreasing term. A basic simple benefit policy with no cash values is a term life policy.

The level of the policy remain the same for the initial duration of the term and can see upward rise when the initial term ends is what is meant by the level premium term policy. You need to determine carefully the amount you can pay regularly towards your term life policy so that you can lose your term life policy if you stop making the premium payments.

A term life policy is good option to pay for one’s own final expenses. It can also pay off any remaining home mortgages and utility bills. It is thus a sensible choice of insurance for families who do not have a lot of money to invest in whole life policies but wish for a financial security to take care of their needs when the primary wage earner is no longer alive.

Until next time, Michael Hartmann http://www.findyourpolicy.com/

Always remember our Mission Statement

“TO BE THE BEST IN SERVING OUR MEMBERS BY PROVIDING PEACE OF MIND THAT THEIR BENEFICIARIES RECEIVE THEIR INHERITANCE”

You can bag the best life insurance policy online

In the modern world life insurance is one of the priorities of any person. Life insurance can take care of any person’s dependent those are left behind in case of untimely demise of the person. Now one can get a good deal online only. One needs to look at the right life insurance quotes given by insurers. A person going to buy a life insurance policy has to look at one affordable life insurance quote as it is not one time investment and the person needs to give the premium every year.

In today’s world life insurance online is an easy option as you get quite a few numbers of insurers on the web. There are many such options one can get from the insurance companies. One needs to pick up the right one depending on the needs of the person. Term life insurance is one such option which covers the loss of income of the person in case of the person’s unexpected demise. One can get affordable insurance quotes for this type.

Once a person is decided to go for a policy, he or she looks for the right one and after deciding on that the person has to look for the availability of the best insurance rates online. The person needs to see whether some discounts are being offered by companies for the said policy. Insurers usually give different types of discount offers to their clients.

Now that everything is done and one is ready to square up the deal with ones life insurance, the person needs to see what the insurance rate quotes available for different firms online. It is quite time saving for the person who does not need to go and visit firms to get their rates. Sitting at home one gets that and can make a comparative study of the rates.

These are major decisions in one’s life as this is a recurrent expenditure and one has to pay out money every month. So one needs to see that this money which is doled out does not become a burden and one can continue with the life insurance policy.

One needs to relax and think before picking up the best option regarding one’s life insurance policy. One can well buy the best policy available online and feel safe and secured.

In the modern world life insurance is one of the priorities of any person. Life insurance can take care of any person’s dependent those are left behind in case of untimely demise of the person. Now one can get a good deal online only. One needs to look at the right life insurance quotes given by insurers. A person going to buy a life insurance policy has to look at one affordable life insurance quote as it is not one time investment and the person needs to give the premium every year.

In today’s world life insurance online is an easy option as you get quite a few numbers of insurers on the web. There are many such options one can get from the insurance companies. One needs to pick up the right one depending on the needs of the person. Term life insurance is one such option which covers the loss of income of the person in case of the person’s unexpected demise. One can get affordable insurance quotes for this type.

Once a person is decided to go for a policy, he or she looks for the right one and after deciding on that the person has to look for the availability of the best insurance rates online. The person needs to see whether some discounts are being offered by companies for the said policy. Insurers usually give different types of discount offers to their clients.

Now that everything is done and one is ready to square up the deal with ones life insurance, the person needs to see what the insurance rate quotes available for different firms online. It is quite time saving for the person who does not need to go and visit firms to get their rates. Sitting at home one gets that and can make a comparative study of the rates.

These are major decisions in one’s life as this is a recurrent expenditure and one has to pay out money every month. So one needs to see that this money which is doled out does not become a burden and one can continue with the life insurance policy.

One needs to relax and think before picking up the best option regarding one’s life insurance policy. One can well buy the best policy available online and feel safe and secured.

Until next time, Michael Hartmann http://www.findyourpolicy.com/

Always remember our Mission Statement

“TO BE THE BEST IN SERVING OUR MEMBERS BY PROVIDING PEACE OF MIND THAT THEIR BENEFICIARIES RECEIVE THEIR INHERITANCE”

How To Locate Lost Life Insurance Kindle Version

Please take a look at our new Kindel e-book. It is full of information that you should know and give excellent examples of why a central life insurance database is so needed.

http://www.amazon.com/Locate-Lost-Insurance-Policy-ebook/dp/B00FQVMCYU/ref=sr_1_1?ie=UTF8&qid=1381428806&sr=8-1&keywords=how+to+locate+lost+life+insurance+policy

Ready to protect your loved ones? Visit FindYourPolicy.com and register your policy for free or e-mail info@findyourpolicy.com . To link up on social media sites, visit www.findyourpolicy.com/blog   follow on Twitter: @FindUrPolicy.  

Until next time, Michael Hartmann http://www.findyourpolicy.com/

Always remember our Mission Statement

“TO BE THE BEST IN SERVING OUR MEMBERS BY PROVIDING PEACE OF MIND THAT THEIR BENEFICIARIES RECEIVE THEIR INHERITANCE”

Why Should the Single Non-Parent Consider Life-Insurance

Most of us think about life insurance as a means to help replace lost income from our death.  This income is especially important for dependents such as spouses and children who will suffer without its replacement.  That said, why should a single person who does not have any children consider purchasing life insurance?  Well, first of all no one knows their own destiny.  If you are 45 and never plan to marry you could meet the person of your dreams and start a family five or ten years down the road.  You just never know.

Life insurance is much more affordable if you purchase it when you are young.  This is especially true of term life policies.  Permanent or whole-life policies increase in price with age but start out more expensive than term does.  Term policies can be purchased for just a few dollars a month when you are healthy and in your 20’s.  That changes the older you get however.  Even if you retain your perfect health that cost of those policies can multiply as much as five times over less than two decades.  In addition to that aging often brings changes in health.  Even minor changes in your health can affect insurance premiums.  Gaining 10 pounds could possibly bridge an invisible line that increases your rates.  As you age, the risks of high blood pressure and cholesterol increase.  You could receive an injury that will increase your rates.

If you marry and have children at some point down the road you will appreciate having the coverage you already purchased.  Most policies allow you to increase coverage without a repeated physical and many term policies are convertible to permanent policies.  By purchasing life insurance when you are young you keep your options open for the future.

By having life insurance in place you can continue to help the people you love.  While you may not be in a place of financially providing for your extended family and friends you probably provide them with plenty of help.  If you have family or friends who depend on you to help them through life a financial benefit after your death could help them to compensate for the things you will not be available to do.

An option that many people forget to consider is the ability to contribute to a church or favorite charity through your death benefits.

A really important reason to consider purchasing life insurance, even a relatively small policy, is to prevent your loved ones from having to cover funeral and burial expenses when you are gone.  A grieving parent or sibling should never have to struggle financially to figure out a way to bury you.    The cost of an average funeral is well over $7000 and higher end options can run over $20,000.  The financial impact of this could weigh heavily on those you leave behind.

If you pass away with outstanding debts those debts do not go away.  Your family may not be legally responsible for paying them off but they may feel like it is the right thing to do.  With insurance benefits your survivors will be able to pay these debts off instead of allowing them to remain unpaid.

No matter what your circumstances you cannot foretell the future so it is easiest to prepare ahead, just in case.  Someone you love will benefit from you having a policy in place at the time of your death.

Ready to protect your loved ones? Visit FindYourPolicy.com and register your policy for free or e-mail info@findyourpolicy.com . To link up on social media sites, visit www.findyourpolicy.com/blog   follow on Twitter: @FindUrPolicy.  

Until next time, Michael Hartmann http://www.findyourpolicy.com/

Always remember our Mission Statement

“TO BE THE BEST IN SERVING OUR MEMBERS BY PROVIDING PEACE OF MIND THAT THEIR BENEFICIARIES RECEIVE THEIR INHERITANCE”