On-Line Insurance Blog

New Year's Planning

2009-12-29T12:32:00.000-08:00

It is almost 2010 and it is never too late to address insurance issues you have been avoiding. Have you been thinking of buying life insurance? Pricing auto insurance? In need of health insurance? Go to www.marronfinancial.com and look at the programs we have in place. We aren't about the flashiness of the Internet...we are about solid content that guides to to the best the net has to offer. Take a look.

Have a Happy & Prosperous New Year.

Summertime Blues

2009-06-09T05:37:00.000-07:00

Most of us like to look ahead to summer and think of relaxing at the beach or pool. Do you have real peace of mind though? Do you have the proper health insurance policy for you and your family? Is the amount of life insurance you currently have enough to protect your family if you die? Do you even know what an adequate amount of life insurance is for you? Are you paying too much for auto insurance?

Are you thinking about how to pay for college for yourself or your kids? Do you need a prescription plan to cover drug costs from the pharmacy? When was the last time you visited a dentist? The list of things that can ruin your summer is very long.

Go to www.marronfinancial.com where we have selcted the best plans and programs to cover you and then get back to that pool.

Getting Into College and Paying For It.

2009-03-23T09:09:00.000-07:00

When the economy is bad the number of people applying for college admission goes up...way up. That means the competition to get accepted goes up too. What can you do to assure you will get accepted by the college of your choice and how will you pay for it?

Go to www.marronfinancial.com and click on "College Plans". You will find the best on-line sources for SAT studies and review. We also have information about finding that elusive scholarship and the best place to qualify for student loans. This process requires an education before your college education.

Once you have a degree in hand, your market value skyrockets. College grads make hundreds of thousands more over a career, than non-grads. Use our partners to help you achieve your educational goals.

Spring is Here!!

2009-03-20T05:30:00.000-07:00

Today is the first day of Spring. It's time for renewal, a time for Spring cleaning and a time to leap forward. Make sure you take the time to do the same for your financial life too. There is no time like now to review your insurance coverage. Is you coverage adequate for these tough economic times? Do you know what you need to protect you and your family...or your business from financial disaster? Are you looking for ways to help your employees or co-workers find great deals on their insurance protection.

Go to www.marronfinancial.com and see the latest offers from some of the strongest and secure companies on the internet. Get a great checking account from ING Direct. Research life insurance with Gerber Life and RBC. Paying too much for auto? Check out Esurance and Allstate. Get a FREE discount prescription card.

Spring to action and have a great season.

It's Saturday Afternoon...

2009-01-31T11:11:00.000-08:00

Maybe you are getting ready to watch the Super Bowl tomorrow? Maybe you are watching college hoops? Are you thinking about Saturday night dinner?

If you have 15 minutes, you can take care of your life insurance shopping too. Go to http://www.marronfinancial.com/ and click on Life Insurance. You'll find some on-line options that can help you get the coverage you need to protect your family...in 15 minutes.

Don't put this off any longer. The games and dinner will be there for you.

Do You Have The Right Auto Insurance?

2009-01-28T08:06:00.000-08:00

It's a nasty day in New Jersey today. It snowed all night, turned to sleet and ice...now it's raining. The roads are hazardous and dangerous. My best advice (even though I didn't take it myself) is to stay home.

I saw a number of fender benders on the way to the office. Nothing serious, but there will be some sad drivers when when the repair bills come their way. When was the last time you made sure you were insured properly? Do you even know what proper coverage should be for you? It's nothing to be ashamed about...most folks have no clue what coverage they have or should have.

The Internet is a great resource when you are shopping for auto insurance. Go to www.marronfinancial.com and click on the Auto / Homeowners Insurance link. One of our references is Esurance.com, just click on their banner and you'll be well on your way to finding the best coverage at great rates.

Drive carefully out there.

The Pain of C.O.B.R.A.

2009-01-27T05:26:00.000-08:00

The Consolidated Omnibus Budget Reconciliation Act is better known as C.O.B.R.A. and it was created to provide employees who lose their jobs with a continuation of their health coverage at group rates. The coverage is temporary and generally lasts a maximum of 18 months (although up to 36 months is available in certain circumstances).

So you lost your job and you are now responsible for paying 100% of your health insurance premium plus a 2% fee for administrative costs. You don't have the flexibility to shop for better group rates either. With C.O.B.R.A. you continue with the plan your former employer selected. Oh, and if your former employer drops their insurance plan or goes out of business, you won't have any insurance either. If your employer has less than 20 employees than C.O.B.R.A. may not apply either.

The bottom line is, your financial situation becomes poor when unemployed. You can barely afford food, rent and other expenses...how are you going to pay for health insurance through C.O.B.R.A.? You can't shop for a less expensive plan or change plan benefits...you are stuck with your former employers choice. What can you do?

You can compare a variety of individual plans to find out which options are the most affordable for you and your family. Go to www.marronfinancial.com and click on Health Insurance. You will then be allowed to search the widest variety of plans and companies on the Internet. We recommend the you look at the options we provide through eHealth and we are sure you will find the right plan for you.

Identity Theft Plans

2009-01-26T05:51:00.000-08:00

You may already be a victim of identity theft. The criminals may have your information and they are waiting for the right time to use it. That's the problem, you may never know what happened so you don't know how to fix the security gap.

I was once talking to an executive from Wisconsin about identity theft. She told me she wasn't worried about it. She painted a picture of a wonderful community where this sort of thing couldn't happen. "We don't even lock our doors when we leave the house", she proudly told me. I told her that life in her town sounded wonderful, but that the people looking to steal her identity didn't live in her town. The lived in another state...maybe another country. It was done via computer and not in person. These crooks could care less if her front door was locked or not because they are professionals at getting the information they need.

You've probably heard of LifeLock. I feel they are the cutting edge when it comes to protecting you against identity theft. I've been using their service for over one year and I think I am much safer than I was before buying this coverage. Go to www.marronfinancial.com and click on the identity theft section. If you proceed to the LifeLock banner you will get an education about identity theft and some sure fire solutions to the problem.

Legal Plans

2009-01-23T05:31:00.000-08:00

If you needed a lawyer today...right now...do you have one ready to help you with your legal problems? Most people do not have a lawyer on retainer. Even if you have an idea of who you might call, there is the not-so-little issue of cost.

You may need a will, estate plan, trust formed or a number of other legal matters that need to be done quickly and efficiently. You may have business needs that require a lease or HR document.

If you go to the Legal Plans section of www.marronfinancial.com you will find an excellent alternative to having a high-priced law firm draft simple forms for you. With Rocket Lawyer you can do it yourself and save on essential legal tasks. If you needs go beyond simple legal forms or documents, there is discounted Live Counsel, access to local attoneys and more.

Take a look at their Web site and you will see the many advantages of Rocket Lawyer.

Discount Dental Plans

2009-01-22T05:16:00.000-08:00

Many people are under the impression that Discount Dental Plans are not as good as Dental Insurance. There are pros and cons. You can go to http://www.marronfinancial.com/ and click on the dental section for more details.

Look at this simple example:

Let's say you have $2000 in dental expenses. For typical dental insurance plans your out of pocket expenses include the annual premium (assume $40 month/$480 year), a $50 deductible and a $1000 annual maximum limit. You would pay $480+$50+$1000 (the amount after the limit) for a total of $1530 out of pocket.

Discount Dental Plans for an individual average around $99 annually for the premium and there are no deductibles. There are also no limits, so the discount applies to the full amount of your expense. Let's use a 40% discount on all services for simplicity. So, you would pay $99 + ($2000 minus 40% discount = $1200) which is a total of $1299 out of pocket.

Which would you rather pay? You are way ahead of the game with Discount Dental Plans. If you need additional dental work the discount continues...there is no limit. Dental insurance is still capped and you must pay 100% until your next year starts.

Dental insurance often excludes orthodontics, but Discount Dental Plans keep applying the discount. Both insurance and Discount Dental cover preventative care for zero or minor fees.

If you already have dental insurance, you can use Discount Dental Plans to lower your costs and buy you more service before you hit your maximum limit. Employees can consider buying Discount Dental for their employees at a fraction of the cost of insurance. Even if you won't pay the premium, let your employees know about Discount Dental Plans. Send them to http://www.marronfinancial.com/ to learn more.

Life Insurance For Children

2009-01-21T05:19:00.000-08:00

I am frequently asked if it makes sense to buy life insurance for children. There is something unsettling about purchasing life insurance on your kids. The key thing to remember is that this purchase isn't made from a profit motive. You aren't looking to cash in on the death of a child.

Reasons to buy life insurance for children include:

1. Introducing your children to the concept of protecting themselves with life insurance. This can be a lesson that benefits them for the rest of their lives.

2. Building a cash value in their life insurance policies. Your children will appreciate taking over the ownership of an asset worth thousands of dollars when they are 18 or 21.

3. Guarantee the future insurance protection of your child. Even a change in health can't take away their life insurance.

4. Burial costs in case something does happen. Life insurance smacks you in the face and reminds you that death can happen. The cost of this coverage is very low and this is an easy way to assure you have money to cover final expenses.

Go to the life insurance section at http://www.marronfinancial.com/ and look at the great offers from Gerber. You know the name and trust them. People have trusted their insurance needs to them for years too.

Discount Prescription Drug Cards

2009-01-20T05:29:00.000-08:00

The cost of prescription drugs is a major contributor to the high cost of health insurance. Even if your employer offers health insurance, there is a good chance that there are limits on the prescription portion of your plan. It is common to have higher deductibles or even exclusions for expensive drugs. Many employers are even cutting out the prescription drug portion of their plans to save money.

Everybody should have and use a Discount Prescription Drug Card. If you are unemployed, under- insured, hitting the Medicare "Donut Hole", or a student...use a discount card every time you go to the pharmacy. If you use a Flexible Spending Account a Discount Card will help you get more for your money.

The best part is that you can get a Free Discount Prescription Drug Card at www.marronfinancial.com. You can simply click on the link and you'll be brought a site where you can download and print a card today. Start using it immediately. Let your family, friends and co-workers know about it. There is are no catches, no limits, no exclusions, no claim forms..no kidding. Check it out today and save on a major expense for many Americans.

On-Line vs. In-Person Insurance

2009-01-19T10:18:00.000-08:00

I've been in the insurance business for nearly 30 years. When I started selling insurance there was no such thing as the internet, blogging, on-line sales or many of the tools we see today. The options for selling insurance to consumers was limited to mail, phone calls and referrals. But the world has changed and consumers consider the older methods as intrusions.

The role of the agent as advisor is important. Your agent helps guide you through the many products and options that an insurance purchase involves. Fortunately, the on-line offerings of insurance have improved to the point where you can educate yourself, find a variety of high-quality product choices and purchase the product over the internet.

I created www.marronfinanancial.com as an on-line agency that introduces you to some of the finest programs you can find on the net. Take a look at the many different types of insurance and coverage that you can explore. Feel free to contact me at info@marronfinancial.com with any questions.