Great article and nice to see our Department of Insurance is helping looking out for consumers!
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Idaho Insurance Department Says To Be Cautious Of Annuity Tax-Break Offers
Dec. 22/chron>—Be cautious about handing over ownership of annuities or buying charitable-gift annuities to get year-end tax breaks, the Idaho Department of Insurance/org> warned Thursday.
“The latest year-end tax-saving promise asks consumers to sign over annuities to an out-of-state organization in order to receive a tax break in return,” said
Bill Deal/person>, department director. “If your family, tax advisor or attorney, as well as your insurance agent, haven’t heard of this great deal, something may be wrong.”
Some annuity exchange- and charitable-type products that are offered outside the
Idaho/location> department’s authority could lack consumer protections that the department has in place.
Established annuity transfer programs like those offered by colleges and universities are probably safe, but Idahoans should still talk to a financial adviser about them and do their homework before making a decision, the department said.
Consumers with questions should call 334-4250 in the
Boise/location> area and (800) 721-3272 throughout the state.
With the new health insurance mandated law coming up soon, we are starting to see some of the particulars trickle out and down. Something that really bothers me is we have a whole group of companies and agents that could be looking for work. At least drastically changing their business model to survive.
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I have spoken to some agents and they may be looking into becoming Property and Casualty Licensed to help supplement their incomes.
Officials struggle to define navigator role in health exchange
If the 2012 Legislature approves of creation of a state-based health exchange – an online portal for purchasing medical insurance – officials will have a number of decisions to make concerning its operation and funding.
Navigators will serve essentially as public information officers for the exchange. They are tasked with conducting outreach and education campaigns, particularly in more rural parts of the state. They must provide impartial information about health plans offered by the exchange and should also have some existing relationships that would help in conducting job duties.
House Minority Leader John Rusche, D-Lewiston, told IdahoReporter.com Friday that payments might come in the form of hourly wages or fee-for-service agreements between the state and navigators, though he says the final determination has yet to be made. “I have no idea how the payment structure will be,” Rusche said. “But, I doubt it will be a commission.”
Good information about Boise Car Insurance and how to get some of the best rates when your out shopping your coverage and plans.
Car and Auto Insurance Boise
If your looking for cheap auto insurance quotes you should also find out what discounts are available to you. Each company will have their own discount programs and you may be pleasantly surprised if you qualify for one. After the user gets the quotes there is one more step to complete before purchasing a policy. You may be tempted to simply choose the policy that offers you the bottom rate, but take another minute and check it out a good look at the organization offering you the quote.
To the least stolen car list are, not surprisingly, are the Toyota Prius and the Volkswagen New Beetle with not just one large vehicle or truck being about this list. Number one on the smallest amount of stolen car list is the Ford Freestyle while using the Mercedes E-Class on the other end. It’s not that car thieves don’t steal smaller cars just that statistics show that larger vehicles and trucks thefts have been increasing over the past few years.
When you purchase an automobile policy there are terms that you may dont understand or not confident what they mean. Insurance in general is a little confusing so thats why when your looking for Boise Car Insurance it pays to cooperate with knowledgeable and approachable agents.
Read more at goidahoinsurance.com
Cool article on epilepsy and life insurance underwriting. These days even with chronic health issues you can find and obtain quality life insurance that doesn’t break the bank. Check it out and let me know what you think.
Epilepsy or otherwise know as a (seizure disorder) is a neurological disorder resulting from abnormal electrical activity of the
brain.
When it comes to Epilepsy Life Insurance Underwriting and ratings it all depends on the Insurance Company and their Underwriting guidelines. Some companies are more lenient than others. You should shop around for the best rate and use a good Life Insurance Broker or Agent to help you find the right policy that meets your planning needs.
Here is a general guide of what some Life Insurance Companies may look for and how they may rate your policy, again this will vary by company.
What are the factors that may affect the underwriting decision:
- Age of onset
- Compliance with Doctor and medication
- Control of any and all seizures and the recent episodes
- Current and past alcohol use
- Other health issues that you currently have may also affect underwriting
Although it is the middle of winter I did see a couple of die hard Harley Davidson riders out today enjoying the sunschine, although it is 37 degrees out. But that made me realize that you can go out and enjoy a ride anytime of the year so you should have good insurance coverage to make sure that you have peace of mind as well.
Go shop around if you need to and go for a ride, have fun and be safe though. Other information below for other quotes also.
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