Why Employers Get The Best Dental Benefits

Employers are able to get the best dental benefits plans, because they are able to offer the insurance company higher premiums. This is because the employee pays a portion of the premium, and the rest is paid by the employer. When you multiply this by several employees, and with large corporations we are talking several thousand employees, the insurance company will be receiving high premiums each month. As a result, they often offer large corporations excellent rates on their insurance policies, because they know the overall contract will be large. This enables employers to offer better overall dental plans to their employees than the employees would be able to get on their own. A good example of dental benefits offered by an employer is found in MetLife dental insurance benefits. This plan is a group dental plan, meaning the rate is based on the fact that there will be a large group of people on the plan. Their program is a preferred dentist program, or PDP. This means that the employees on the plan must choose their dental health care providers from a list of dentists that have agreed to the terms. Currently, that pool is 90,000 dentists strong.

When a dentist joins the MetLife dental network, they agree to offer discounted benefits to those on the plan. This discount can be as much as thirty-five percent. Dentists are also monitored to ensure that all patients are receiving quality care.

Many employers split the cost of the dental plan with their employees. This means that the employees can have affordable dental insurance benefits, which are a cut above individual dental insurance policies, for the same or less cost than an individual dental policy. When they go to the dentist, a portion of all bills will be paid by the insurance company, with a co payment due from the insured patient. This is better than a dental discount program, which simply offers discounted dental care.

source : http://www.dentalinsurancehelper.com/dental-insurance-articles/dental-benefit-plans.htm

Life Insurance

Life Insurance
An important part of a sound financial plan, life insurance provides a valuable death benefit to your beneficiaries upon your death. Your beneficiaries can then use this money to replace some of the income you would have earned or to help pay off debts or other expenses.

The two types of life insurance are term and permanent. The one that's right for you depends on many factors, including your budget, the amount of coverage you need, and the length of time you'd like the coverage to last. Term Life Insurance
Term policies can help meet a wide variety of business and personal needs and often provide the most coverage for your premium dollar for set periods of time. Whether you want to supplement your existing coverage or simply purchase insurance to meet a specific need, our term policies have the flexibility to help meet your needs.

Travel insurance

Travel insurance is insurance that is intended to cover medical expenses, financial (such as money invested in nonrefundable pre-payments), and other losses incurred while traveling, either within one's own country, or internationally. Travel insurance can usually be arranged at the time of booking of a trip to cover exactly the duration of that trip or a more extensive, continuous insurance can be purchased from (most often) travel insurance companies, travel agents or directly from travel suppliers such as cruiselines or tour operators. However, travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies. Travel insurance often offers coverage for a variety of travelers. Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel are all various options that can be insured.

www.managed-forex-accounts.info

Compare Auto, Homeowner, Health Insurance Quotes

Everyone knows that insurance premiums can be affected by your credit history or perhaps a spotty driving record in the case of auto insurance. But few people realize that an insurance company's loss experience is one of the biggest factors for determining how much they will pay for coverage. How so? Well, say for example an insurance company paid out a large amount of homeowner insurance claims due to a particularly catastrophic year of floods and fire damage. The same insurance company may also provide auto insurance coverage. To compensate for the losses experienced under their home owner insurance division, they may raise premiums for their car insurance customers even if they had no accidents or tickets. Or, they could simply increase the insurance prices for house insurance policyholders in another state.

Insurance is a business, and like any other business it needs to generate profit. Monetary losses from an excessive amount of insurance claims are usually shifted to the consumer in the package of higher insurance premiums. If the insurance company had an extremely profitable year, they may lower rates to attract more customers and increase the number of policyholders they have. For this reason, insurance rates vary greatly from one company to another.

Health and life insurance rates are very low right now in this competitive insurance industry. However, some health and life insurance companies offer low initial rates to gain insurance customers and then gradually increase these teaser insurance rates over time. The best way to ensure you are getting the best price for your insurance needs is to review your policy rates regularly and compare them against what other competing insurance companies are offering. You can do this by requesting insurance quotes from multiple insurance companies.

How to say no to an insurance agent?

You are a terrific person. The mere fact you realize that the only irreplaceable thing we have is time - part of our life - speaks volumes. Others have said that "they are accustomed to it" are correct, but that does not mean that salespersons like to hear a "no". Here is how to get it done:

1. Until you have made a decision, when/if they call say, "I'm still gathering information. I'll call you back when I have made a decision." Don't engage in further discussion. You don't owe them any more of your time - they have had their chance at your business.

2. When you have decided, sign the papers with the salesperson who earned your business. Then DO call all the others and say, "I've signed papers for a plan that suits me better than what you proposed. Thank you very much for the time you invested with me." Once more, don't engage in further discussion. By doing it this way:you will strictly speak the truth, you will honor their time, you will preserve YOUR time.