Dr. Nicholas Genes of Blogborygmi hosted this weeks Grand Rounds, and he made the leap to hosting on Tumblr, which is a pretty neat twist.  One of my favorite articles in this edition comes from David Williams, writing in defense of tiered health insurance plans.  Davids article is a gentle rebuttal to an article that was written about a man who needed urgent surgery and had to choose between a  one-month wait and a $150 copay at one hospital (a cost efficient hospital in a low cost tier on his Blue Cross Blue Shield plan) and a two-week wait with a $1000 copay at another hospital that was covered at a higher cost tier by his health insurance.  H

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So do they?

But why declare reflux as a condition? Here are three reasons.

For starters, you might be taking medication to help relieve your symptoms. If you had a medical travel insurance policy with us, we’d cover the cost of replacing that medication while you were abroad if it was lost or stolen.

Secondly, reflux is a condition that has varying severities. If the change in diet you experience while you’re on holiday caused your condition to take a turn for the worse, you could need a little medical assistance. And

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How much do you know about elderly life insurance policies? Did you know that not everybody can get an elderly life insurance policy? The reason I say this is because when you get older your body will start to wear down and if that happens you could get denied the life insurance coverage that you want. I know that this is not what you want to hear but it is the truth at many people who try to get life insurance at an older age just can’t get it.

One of the things that you need to know about elderly life insurance policies is that they might come with a rider. A rider is simply a statement in the policy that excludes certain diseases or health problems that you might have. A Full Post…

Deep-fried turkey is delicious and juicy, but also incredibly dangerous. Take the proper precautions. If you’re planning on deep-frying your turkey this year, it is very important that you remember to:

• Use only small turkeys (up to 12 pounds).
• Thaw your turkey COMPLETELY before cooking.
• Use oils that have a high smoke point, like canola oil or safflower oil. Peanut oil will also work, but be aware of anyone with peanut allergies, as nut allergies are often severe and can cause death.
• Be sure to use a thermometer to help keep a consistent temperature, and do not leave it unattended.
• Oil temperature should be maintained at 350º F. At 375º F, oil can catch fire. U

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What does time have to do with life insurance quotes and how does saving time save you money?

Have you ever considered what your free times worth?  I usually do when my wife wants me to drive a long way to go to some store thats having an amazing sale.  After driving an hour out of my way and waiting in line for a half hour, I usually conclude that, when I factor in the cost of my free time, the savings were hardly worth it.

I consider that what I normally earn in an hour is also the cost of my idle time.  If I am worth $25 or $50 or a thousand dollars an hour (I wish) at work, thats what my free time is worth to me.   Unfortunately, my wife disagrees with this concept and usually wins the argument and so, off to sales we go.

However, if you dont take my wifes side of this argument and do agree with me, I have some advice for you when it comes to shopping for a new life insurance policy.  You can save a lot of time (and money, per my theory) if you follow this advice find a website that provides life insurance quotes from multiple insurance companies.  Also, make sure the website doesnt ask for your contact information prior to showing you quotes.  More on that later.

Dont be fooled by the websites offering life insurance quotes that are nothing more than lead generation sites for life insurance agents and brokers.  What happens on these sites is you fill in your information and several choices pop up.  However, most of whats being displayed are other life insurance websites.  So youve just spent this time on this site only to be directed to other sites.  When you click over to these sites, you will be asked to fill in your information again in order to get quotes.  Not only did you just waste your (valuable) time, but now multiple web sites have your personal information.  Aside from the value of your time were discussing here, do you really want your information spread over multiple websites?

Another similar type of lead generation website is one in which they gather your information, dont show you quotes, but rather sell your information to multiple brokers and agents who will call you and try to sell you a policy.  How much of your precious time will be spent speaking to (or avoiding) these phone calls and emails?

I shop on the Internet for the convenience and, contrary to my wifes opinion, I value what my time is worth.  I do most of my shopping online because it is fast and relatively simple and I can find and purchase what I want in a short period of time.  If I want to buy a new computer, for example, I dont want to go to a computer website that will recommend me to other sites (Amazon.com is an exception to this because, even though I might be purchasing from a vendor that isnt Amazon, they process and guarantee the transaction).  I want to go to a site that shows me all the computers within my price range with the features I am looking for.  Once I find one, I can read up on it and make my purchase on the spot.   This way, I save not only on the price but, if you factor the value of my time into it, the savings are even greater.

There are several excellent life insurance websites, LifeInsure.com being one of them, that will show you quotes from life insurance companies without needing your contact information.  You can then apply for the policy without having to go to one or more additional websites. The price of the poli

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If you are in the business of selling individual health insurance products from insurance companies which offer individual coverage getting clients for your products need not be difficult provided your insurance products are appropriately advertised. Effective advertising and marketing will determine the difference between getting clients or not. One of the most efficient ways that you can market you insurance product is by hiring a professional to do the job for you. In this case, you are required to hire a telemarketer. The best way to go about hiring a telemarketer is by hiring and paying based on the marketer’s performance. T Full Post…