Guaranteed Acceptance Health Insurance – Could it be Right for You?

Today millions of Americans are unable to afford the rising cost of healthcare. Additionally, millions more cannot qualify for healthcare benefits due to pre existing conditions that make them uninsurable. These issues of affordability and eligibility are major roadblocks facing Americans as they attempt to secure quality healthcare.

One choice that is available to these individuals is Guaranteed Acceptance Health Insurance. Follow along as we discuss some important aspects of this type of health care coverage and see if it is right for you.

What is Guaranteed Acceptance Health Insurance?

It is health insurance that is guaranteed issue, meaning no one is turned down for healthcare coverage. It simply refers to health insurance that has no medical underwriting. A policy will be issued even if you have pre existing conditions. There are no medical questions, no height/weight requirements and no physical exams needed to qualify. You choose your medical provider and the plan pays regardless of any other insurance coverage.

Who needs this type of health insurance?

It is ideal for those individuals who find they cannot qualify for or afford other health care plans. Those diagnosed with a preexisting condition such as heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease will most certainly find this a good choice. However, if you are healthy, it’s probably best to buy a traditional health insurance policy.

What does this insurance cover?

Known as a “mini-med” plan, these plans provide a considerable amount of healthcare coverage. They are affordable and cover most pre existing conditions after 12 months. These plans are not basic health insurance or major medical coverage but offer what is known as “limited benefit health insurance”. Simply put, the plan pays a defined amount for a medical service or procedure. Usually covered are doctor visits, emergency room visits, hospital charges, surgery, accidental death, etc.

How much does it cost?

These plans offer a wide range of premiums depending upon the type of plan selected and if the coverage will be for an individual, an individual plus spouse, individual plus child(ren) or for the entire family.

Are there other healthcare plans that will work for me?

Sure there are other options you might pursue. Group health insurance is a possibility but will require an employer sponsored plan or you could join a professional organization which offers a healthcare plan to its membership. This may not always be possible.

You may be able to obtain individual health insurance with some pre existing conditions but most likely the insurance company will want to totally exclude most preexisting conditions. State high risk pools offer an alternative solution but certain requirements must be met and the premiums can be very expensive. For individuals with pre-existing conditions, a guaranteed acceptance health policy may still be your best option.

Is Guaranteed Acceptance Health Insurance right for you?

Remember these types of plans are generally for someone who cannot obtain traditional health insurance due to medical reasons or wants coverage for the pre-existing conditions.

Rudy Wilson is an avid proponent of affordable health insurance and a researcher of guaranteed acceptance health insurance plans. To learn about the guaranteed acceptance health insurance plan that Rudy recommends after extensive research, visit now.

The Need For Mortgage Guarantee Insurance

Mortgage guarantee insurance or MGI is a precaution worth taking, as it can come in handy when you are unable to pay your mortgage repayments due to ill health or an accident. It saves you the stress of having to pay mortgages when you have mounting expenses associated with treatment or when you have no income for a certain period of time.

People often think that it need not apply to them, that they are safe, but one cannot guarantee that they will always be safe from ill health or other serious circumstances. The correct policy at the best possible price is a safety net incase things go wrong and mortgage lenders accept lesser down payments than usual.

How It Helps Homeowners
Mortgage guarantee insurance agencies usually check the qualifications of the borrower and the value of the collateral provided by the purchased property. When the homeowner defaults on paying the mortgage and the proceeds from the sale of the property are not enough to cover the remaining debt plus the costs, the mortgage guarantee insurance company pays the lender the amount that is short and the costs. The MGI agencies usually offer coverage for a predetermined amount of time, which can be sufficient for the homeowner to recover and get back to work.

Mortgage guarantee insurance usually offers protection to lenders from defaults by homeowners who have less than 20% equity interest in the mortgaged property. This has made it possible for people to own homes with very little initial investments.

People used to prefer government insurance agencies, but today almost three quarters of the market is dominated by the private sector. The study has shown however that there is not much difference in the premium offered by the various companies, so customers are not given much of a choice. Mortgage guarantee insurance has enabled more people to become homeowners and minimized the risk that mortgage lenders used to take.

Homeowners rest easy that mortgage payments need not be a worry in case something terrible happens and lenders, due to the security of insurance, are willing to lend money more readily.

Mortgage guarantee insurance is offered through programs administered by the Federal Housing Administration and the Department of Veterans Affairs as well as many private agencies. Shop around until you get the best deal at the lowest price possible, Use the Internet to get quotes from different agencies and make your choice so that you get the best deal possible. It will not cost much for a person with a regular well paying job to go for the security offered by Mortgage guarantee insurance.
There are firms that offer their services and products to new entrepreneurs making it easier to run and manage the business.

David Gass is President of Business Credit Services, Inc. His company publishes a free weekly e-newsletter on Small Business Consulting at their web site

Rent Guarantee Insurance to Claim Back Your Rent!

Have you rented out your house? Are you not living in that house any more, is your property being let out? Don’t you think you need to insure your property or house that is rented out in order to allay any damages caused to your building and to recover the cost of damage? Whether your house has been inherited from your ancestors or you have shifted to another location, you need to ensure that your renters pay you money on time.

Rent damage can be caused by several reasons:

Your rent can be assured in the following circumstances

When there’s a damage caused to your property due to natural calamity

When the building has caught up in fire

Or your tenant doesn’t pay his rent

Make sure that your tenants will repay the rent on time. Some insurance agents offer you guarantee on your rent such as £2,500 per month, instant cover, it covers you under 12 month policy, and offers 24 hour assistance. It is essential to insure your property or home in order to claim them in times of crisis. Safeguard your rent for sure! Guaranteed rents will work with your existing letting agent if that is your preference. Or it will arrange an alternative. The cost of using a letting agent is normally around 10% of the gross rent. This is covered by guaranteed rents within the rent contract. Rent Guarantee provides guaranteed protection against tenant default, such that your lease agreements have an assured income. If you have a property which you are looking out to rent then Rent Guarantee provides guaranteed protection against tenant default, such that your lease agreements have an assured income.

A buy to let property is considered as a commercial property and there’s a separate insurance policy to claim for the rent on commercial property. Your property records must be kept up to date, have a proper agreement with your tenant and other records for tax authorities too. You may loose several pounds in rental income and legal expenses to claim for your rent. Some insurers won’t cover properties if tenants are claiming benefit, whether you are using private sector leasing or not. In case, a private sector leasing is covered, then, you can request for a higher premium.

Seek out for a right rent guarantee insurance agency online which can help you out in making your claims, which you deserve.

Kirthy Shetty, Platinum author. Insurance for Landlords’ assistance: Rental Guarantee Quote & Insurance

Tenant reference assistance or free advice: Tenant Referencing Company

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As soon as you understand terms associated with haste insurance, it becomes clearer also easier to follow through.

The funny thing about life insurance is you yourself are not the one who needs the protection or benefit but your family and mania ones. When you die you resolve nothing, they right bury you and pay for your funeral. Pay for funeral? That is willingly right. The unsimilar recognize why you may need to adjust insured is seeing your final expenses. A burial pdq is very prized further you do not want your breathing spouse or children to move that burden.

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You can again use the full-dress of life insurance expedient. To keep this attribute of insurance policy active and running, you need to bill premiums monthly. You can get a loan to help you go underground the premiums but if you die before paying the loan, the loan figure will be removed from the life insurance death benefits.

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