JLBG is the largest provider of health insurance and employee benefit plans, and because the company is fully aware that health insurance is a complex subject, it offers free advice, quotes, and news from a licensed professional for individuals, employees, and students. The company was founded in 1972 by Jeffrey L. Barnes, who is a top provider for Time Insurance Company (Assurant Health). Mr. Barnes qualified for the highly contested and coveted Ring of Honor more than any other agent in the Time Insurance Company’s one 116 year old history.
Currently, JLBG is a pioneer in the burgeoning, consumer-driven health care marketplace through its industry leadership and in its offering of customized and affordable Assurant Health solutions. JLBG is the largest premium volume MGA for Assurant Health, and is most certainly on the rise with other health insurance carriers. The Assurant Health plan company is exclusively endorsed by the National Federation of Independent Business with over 600 thousand small business members. JLBG currently serves over three million association members, 150 thousand individual members, and 1,300 brokers nationwide. JLBG has been specializing in Assurant Health plans for more than thirty years and is licensed in forty-six states and recognized nationally as a leader in the health insurance marketplace.
The Assurant Health plan company of JLBG pioneered the FPP™ (the Fortis Protector Program) in 1993, by offering personalized individual health insurance benefit plans to the staffing industry. The Fortis Protector Program platform has evolved into a full-scale health insurance delivery model with extensive brokerage community backed by an internal call center, back-office support, and high-end proprietary software platforms able to serve a multitude of health insurance solutions to all facilities in the marketplace.
Individuals, such as those who are self-employed, students, and retired persons, need Assurant Health insurance policies in place to have peace of mind in the knowledge that in unforeseen circumstances they can seek and receive medical treatment at any time. An Assurant Health insurance plan should be a major element of any financial plan. JLBG advises clients that unexpected medical expenses for those who are not covered by a plan leaves them vulnerable to financial risk, and in some cases, even financial ruin. One of the biggest causes of bankruptcy is the unexpected medical expenses incurred by illness or accidents.
JLBG can offer a range of individual Assurant Health policies to suit lifestyles, needs, and budgets. Individual Assurant Health policies offer greater flexibility than group policies because only those specific benefits required for the client and/or wife and family are purchased. A group policy may require an employee to pay for maternity benefits when these are never going to be used. Individual Assurant Health plan clients are able to keep their policies when they change jobs or retire for as long as they choose to keep paying their premiums. An additional benefit is that self-employed individuals or students are permitted to deduct 100 percent of their health insurance premiums from their taxes.
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ring your insurance premiums to adding a teen driver to your policy, buying car insurance can be a confusing, overwhelming, and expensive process. However, it is a necessary part of life, and can save you a lot of stress and money in the future. It may seem like a daunting task, but there is an easier way to shop for car insurance quotes and rates. Before shopping for car insurance, read these frequently asked questions to ensure you get the best possible car insurance rate.
Q: Am I required to have car insurance?
A: Almost every state requires that you carry liability car insurance, which pays when you do damage to others. States that require liability car insurance each set minimum limits that you must have; even in states that don’t require car insurance, you must show proof of financial responsibility, meaning evidence that you can pay for any damage you cause.
Buying collision and comprehensive car insurance, and other optional coverage to protect yourself financially, is your own choice.
Q: Do I need to buy car insurance before I buy a new car?
A: If this is your first car and you don’t already have car insurance, you’ll need it before you drive the car off the lot. In addition, if you’re financing the vehicle, your lender will likely require you to have insurance at the time of the purchase.
If you have car insurance and you’re replacing your car, you generally have 14 to 30 days to notify your car insurance company of the purchase. Your car insurance rate will then be adjusted based on the new vehicle model. Make sure you inform your car insurance company about the new car within the appropriate window, or you could be driving without coverage.
If you’re adding a new car, rules vary by car insurance company. For example, some car insurers provide automatic coverage for the additional car, but you must still notify them within 30 days, while other car insurers provide no automatic coverage for additional cars.
Q: How can I lower my car insurance rates?
A: First, comparison shop for car insurance quotes to make sure you’re not overpaying. Then, always make sure you are getting all the discounts to which you’re entitled.
When you’re shopping for a new car, you can ask your insurer how much your car insurance rates will go up or down based on the vehicles you’re considering. For example, vehicles with high theft rates will cost more to insure.
There are other ways to reduce car insurance rates, although you’ll increase your potential financial risk. For example, you can increase your deductibles if you can pay more out-of-pocket in the event of an accident. And on older cars you might consider dropping collision or comprehensive coverage if repair costs will likely exceed the value of the car.
It’s generally not a good idea to save money by reducing your liability limits to your state minimums – that opens you up to substantial financial risk.
Q: How can I lower my car insurance rates for my teen driver?
A: First, don’t rush out to add your child to your policy when he/she is just starting to learn; you may be able to wait until he has his permanent license, which buys you some time before you start paying car insurance premiums on your teenager.
Second, find out if there are discounts your teen may be able to get, such as a “good grades” discount.
Third, consider buying an older, low-profile car for your teen to drive that will be less expensive to insure.
Most importantly, your teen driver needs to keep a clean record and follow any “graduated licensing” laws in your state; a teen with an accident record is an expensive proposition, no matter how much you comparison shop for a car insurance quote.
Shopping for car insurance can be much easier for you with the advice and tips above. Car insurance companies provide you with a very valuable service, but that doesn’t mean you should have to pay top dollar. Comparing car insurance rates can be time-consuming, but it will save you a lot of money in the future.
Life insurance is a great way to protect your family financially should anything ever happen to you. You may want to consider getting a life insurance policy if you are married, have children, or other people depend on your income for support.
There are a number of different types of life insurance policies available, and finding which one is the best for you and your family can be a challenge. Here are some of the different types of life insurance policies out there.
Term Life Insurance
Term life insurance is perhaps the simplest and cheapest type of life insurance available. This type of life insurance is considered temporary and provides protection for a certain period of time, usually 1-30 years. If the insured dies before the end of the term, his beneficiary receives the face value of the policy. If he does not die by the end of the term, he does not receive anything. At the end of the term life insurance period, you can choose to extend your policy or convert it in to a permanent life insurance policy. If you choose to renew, your life insurance premium will most likely go up. Most people argue that term life insurance gives you the most value for your money. You can compare free term life insurance quotes at ELifeInsuranceSaver.com
Whole Life Insurance
Whole life insurance, also called permanent life insurance, is basically term life insurance with an investment component that allows your policy to build cash value that you can borrow against. The investment could be in stocks, bonds, money markets, etc. Whole life insurance is very expensive because of the investment commissions and fees you are charged, and there is no guarantee that your investment will even make any money. As with term life insurance, your premium will be the same over the life of the policy. Three common types of whole life insurance policies are universal life, variable life, and traditional.
Universal Life Insurance
Universal life insurance is a form of permanent life insurance policy that combines a term life insurance policy with a tax deferred interest accumulating savings account. People that feel they need life insurance into their 70s and 80s would benefit from this policy because it allows adequate time for substantial savings growth. It takes a while for this type of policy to build considerable value, and you might not be able to save much in a shorter amount of time. If you feel that you do not need life insurance for that long, you should consider getting a term life insurance policy and finding another way to save for retirement and the future.
There are lots of different life insurance options out there. This is a very important decision for you and your family, so take your time. You can compare free life insurance quotes from various companies for different types of policies to see which one is best for you. The more research you do, the more knowledgeable you will be, and the better chance you will have at finding the perfect life insurance policy.