Life Insurance Quote Forms
Families with Children and the Affordable Care Act
The Affordable Care Act gives you more control over your family's health care. When key parts of the health care law take effect in 2014, there’ll be a new way to get health insurance: the Health Insurance Marketplace. The Marketplace is designed to help you find health insurance that fits your budget, with less hassle. Find out how you can get a break on costs.
Top 5 Things to Know for Families
8 Resources for Families
Use these resources to find coverage and get the most out of your insurance:
- Learn about the Children's Health Insurance Program and Medicaid.
- Apply for coverage with the Pre-Existing Condition Insurance Plan.
- Find free or low-cost care at a community health center near you.
- See how the law benefits pregnant women.
- Get help using insurance through the Consumer Assistance Program.
- Learn about insurance rebates and rate increases.
- Understand your health plan and learn how to make it work for you.
- See how the law makes your family's health care more secure.
Individuals and the Affordable Care Act
The health care law helps improve care and lower costs for healthy individuals and people with health conditions. When key parts of the health care law take effect in 2014, there’ll be a new way to get health insurance: the Health Insurance Marketplace. The Marketplace is designed to help you find health insurance that fits your budget, with less hassle.
Healthy Individuals and the Affordable Care Act
Even if you’re healthy now, sooner or later there will come a time when you will need health insurance. Not having health insurance when you need it can result in large amounts of debt and bad credit ratings. Worrying about health insurance and the cost of your care is the last thing you want to do. The Affordable Care Act is expanding your options for health insurance and making them more affordable.Find out how you can get a break on costs.
5 Things to Know for Healthy Individuals
- Under the health care law, insurance companies can no longer drop you when you get sick just because you made a mistake on your coverage application.
- Parents have new options to cover their children. If you have children under age 26, you can insure them if your policy allows for dependent coverage. The only exception is if you have an existing job-based plan, and your children can get their own job-based coverage.
- Job-based health plans and new individual plans are no longer allowed to deny or exclude coverage to any child under age 19 based on health conditions, including babies born with health problems.
- Starting in 2014, if your income is less than the equivalent of about $88,000 for a family of four today and your job doesn’t offer affordable coverage, you may get tax credits to help pay for insurance.
- Starting in 2014, if your employer doesn’t offer insurance, you will be able to buy insurance directly in the Health Insurance Marketplace that gives you power similar to what large businesses and members of Congress have to get better choices and lower prices.
Individuals with Health Conditions and the Affordable Care Act
If you have a health condition, you know how important having health insurance is and how expensive it can be. Worrying about where to get coverage and the cost of your care is the last thing you want to do when you are dealing with chronic illness. The health care law is expanding your options for health insurance and making them more affordable.
7 Things to Know for Individuals with Health Conditions
- Under the health care law, if you have been uninsured for at least six months and have a health condition, you may be able to get health insurance through the Pre-Existing Condition Insurance Plan.
- If a new insurance plan doesn’t pay for services you believe were covered, you now have new, clear options to appeal the decision.
- Insurance companies can no longer drop you when you get sick just because you made a mistake on your coverage application.
- Starting in 2014, job-based and new individual plans won’t be able to exclude you from coverage or charge you a higher premium for a pre-existing condition, including a disability.
- Starting in 2014, if your income is less than the equivalent of about $88,000 for a family of four today, and your job doesn’t offer affordable coverage, you may get tax credits to help pay for insurance.
- If you have insurance and have problems with your plan or questions about your coverage, get help through the Consumer Assistance Program.
- If you have been rejected for insurance, learn more about your rights and find out how to appeal denied claims
Life Insurance Information
15K Final Expense Term Life
Viva Life Online
Indexed Universal Life
A permanent life insurance policy that allows policyholders to tie accumulation values to a stock market index. Indexed universal life insurance policies typically contain a minimum guaranteed fixed interest rate component along with the indexed account option. Indexed policies give policyholders the security of fixed universal life insurance with the growth potential of a variable policy linked to indexed returns. There is no minimum age requirement to begin collecting monies, no mandatory distribution age and monies may be collected on a completely tax-free basis.
Benefits of Indexed Universal Life (IUL) Safety Receive a contractual guarantee that you’ll never lose your principal. Liquidity You may access your funds after the first year with no penalties. Flexibility You may choose from a ‘Fixed-Rate’ of return or a “Participating Plan’ rate.Taxes An IUL cannot be taxed on distribution and there is no tax on the growth. There are no taxes for your heirs when you pass away. Contributions There is no maximum on the amount of contributions. Death Benefits A death benefit is provided on all plans.