Seniors And Insurance

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Today there is an insurance policy for almost everything. The problem is you don’t need almost everything. You just need a small part of the insurance policies out there today. After spending a life working and earning seniors deserve the security that some insurance policies offer. But there are others that they absolutely must avoid.

Insurances To Own

Health Insurance

Health Insurance is a very basic type of insurance that should be part and parcel of every senior’s kitty. Because an accident of illness may leave one disabled without the money to pay for treatment, health insurance is an essential type of insurance that every senior must have. No senior wants to be in debt due to ill health.

Health insurance is provided to full-time and sometimes even to part-time employees by several employers. If you lack health insurance today, get it. Sometimes both spouses can be covered under one health insurance plan by the employer.

Even if you do not have health insurance through an employer it is still extremely essential. Health is a basic requirement of life. Sometimes a simple hospital bill can run into thousands of dollars. It isn’t worth it to skimp on premiums.

Life Insurance

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If you are married and have dependents those who depend on you, then this policy is essential. If you pass away and leave an income gap those who depended on you for their finances like a wife and children might be sorely hit.  The fact of death is hard, financial woes make it harder. Ideally you should leave a comfortable amount of money that will regularly be given to them through insurance.

Auto Insurance

Auto insurance is a basic type of insurance. It is a law in many states to have such insurance. Still you often find people driving around without this insurance. Automobiles cost a lot of money and if they are damaged you need the funds to be able to replace or repair them. This insurance also covers you from bodily damage in an accident. It pays for medical expenses and legal defense costs.

Property Insurance

This is another important type of insurance to have to cover money borrowed from the bank. Since the home is the most important asset it is essential to make it secure by insuring it. The mortgage payment contains the insurance premium in many cases. For those who rent, a renter’s insurance policy is essential. This benefits you if a disaster, fire or burglary takes place.

Insurances To Avoid

There are some insurances that must be avoided at all costs. Although marketing may make them seem beneficial, they are quite useless. Let us take a look at some of these.

Cancer Insurance

Normally your primary health insurance will cover cancer. This is one of the reasons to avoid this popular insurance. Even more glaring gaps in this insurance exist. For one it does not cover skin cancer. This is the most often reported type of cancer. In addition it does not cover outpatient expenses. Buy this insurance only if you have high chances of getting cancer and if it is uncovered in your primary health insurance plan.

Flight And Travel Insurance

This insurance coverage often is already present in your other health insurance plans. Check to see how your current health and life insurance plans cover travel. Often when you use credit cards to buy tickets you automatically get covered for this insurance. Check that you aren’t buying more than you need.

Mortgage Life Insurance

In the event you die or become disabled, this policy will pay your premiums. But is that a good idea? Think again. This is coverage that overlaps with your current life insurance. The event is already covered and this policy offers narrow coverage.

Insurance is a highly technical subject and so you should be sure of what you are buying. Buried under volumes of fine print is reality. When you go out there to buy insurance as a senior remember to research and seek good advice.

 

Guest post by contributing author Linda Michelle. To calculate insurance rates click here.

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  95. Hello! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My blog looks weird when viewing from my iphone. I’m trying to find a template or plugin that might be able to correct this problem. If you have any suggestions, please share. Cheers!

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  100. With havin so much written content do you ever run into any issues of plagorism or copyright infringement? My website has a lot of completely unique content I’ve either created myself or outsourced but it seems a lot of it is popping it up all over the internet without my authorization. Do you know any solutions to help protect against content from being stolen? I’d definitely appreciate it.

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  103. Hiya! I know this is kinda off topic however , I’d figured I’d ask. Would you be interested in exchanging links or maybe guest writing a blog article or vice-versa? My blog addresses a lot of the same subjects as yours and I think we could greatly benefit from each other. If you might be interested feel free to shoot me an e-mail. I look forward to hearing from you! Wonderful blog by the way!

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  107. Hey just wanted to give you a quick heads up. The words in your article seem to be running off the screen in Ie. I’m not sure if this is a formatting issue or something to do with browser compatibility but I figured I’d post to let you know. The design and style look great though! Hope you get the problem solved soon. Many thanks

  108. Greetings! This is my first comment here so I just wanted to give a quick shout out and tell you I truly enjoy reading your blog posts. Can you recommend any other blogs/websites/forums that deal with the same subjects? Thanks for your time!

  109. Hiya! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in trading links or maybe guest writing a blog article or vice-versa? My blog goes over a lot of the same topics as yours and I feel we could greatly benefit from each other. If you are interested feel free to shoot me an e-mail. I look forward to hearing from you! Superb blog by the way!

  110. It’s a shame you don’t have a donate button! I’d definitely donate to this fantastic blog! I suppose for now i’ll settle for bookmarking and adding your RSS feed to my Google account. I look forward to brand new updates and will share this website with my Facebook group. Chat soon!

  111. Hmm it seems like your website ate my first comment (it was extremely long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I too am an aspiring blog writer but I’m still new to everything. Do you have any tips and hints for first-time blog writers? I’d definitely appreciate it.

  112. Howdy! I know this is kinda off topic however , I’d figured I’d ask. Would you be interested in trading links or maybe guest authoring a blog post or vice-versa? My blog goes over a lot of the same topics as yours and I believe we could greatly benefit from each other. If you might be interested feel free to shoot me an email. I look forward to hearing from you! Fantastic blog by the way!

  113. Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

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  115. I don’t know if it’s just me or if everyone else encountering issues with your website. It seems like some of the written text within your posts are running off the screen. Can somebody else please provide feedback and let me know if this is happening to them as well? This might be a issue with my web browser because I’ve had this happen before. Thanks

  116. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You clearly know what youre talking about, why waste your intelligence on just posting videos to your blog when you could be giving us something informative to read?

  117. Fantastic site you have here but I was wondering if you knew of any discussion boards that cover the same topics talked about here? I’d really like to be a part of online community where I can get advice from other experienced individuals that share the same interest. If you have any suggestions, please let me know. Bless you!

  118. I know this if off topic but I’m looking into starting my own blog and was wondering what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web savvy so I’m not 100% certain. Any suggestions or advice would be greatly appreciated. Thank you

  119. When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four e-mails with the same comment. Is there any way you can remove people from that service? Thank you!

  120. Hi! This is my 1st comment here so I just wanted to give a quick shout out and say I truly enjoy reading through your articles. Can you recommend any other blogs/websites/forums that deal with the same topics? Thanks for your time!

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  122. Hey! I understand this is kind of off-topic but I had to ask. Does managing a well-established blog such as yours require a large amount of work? I’m completely new to blogging however I do write in my journal everyday. I’d like to start a blog so I can share my personal experience and feelings online. Please let me know if you have any recommendations or tips for brand new aspiring blog owners. Appreciate it!

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  125. Howdy terrific blog! Does running a blog like this require a lot of work? I have very little expertise in coding however I had been hoping to start my own blog soon. Anyway, if you have any ideas or techniques for new blog owners please share. I know this is off topic however I simply wanted to ask. Thanks a lot!

  126. I was curious if you ever thought of changing the page layout of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 pictures. Maybe you could space it out better?

  127. Good day! I could have sworn I’ve been to this website before but after reading through some of the post I realized it’s new to me. Nonetheless, I’m definitely happy I found it and I’ll be book-marking and checking back often!

  128. Heya! I just wanted to ask if you ever have any issues with hackers? My last blog (wordpress) was hacked and I ended up losing months of hard work due to no data backup. Do you have any solutions to stop hackers?

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  130. I was curious if you ever considered changing the structure of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or two images. Maybe you could space it out better?

  131. Hi, I think your blog might be having browser compatibility issues. When I look at your blog in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, great blog!

  132. Have you ever considered about adding a little bit more than just your articles? I mean, what you say is important and everything. But think of if you added some great pictures or videos to give your posts more, “pop”! Your content is excellent but with pics and video clips, this site could undeniably be one of the greatest in its field. Good blog!

  133. Heya just wanted to give you a brief heads up and let you know a few of the pictures aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different internet browsers and both show the same results.

  134. Hey there! I understand this is somewhat off-topic however I had to ask. Does managing a well-established website such as yours take a large amount of work? I am brand new to running a blog however I do write in my journal daily. I’d like to start a blog so I will be able to share my personal experience and views online. Please let me know if you have any kind of suggestions or tips for brand new aspiring blog owners. Thankyou!

  135. I’m curious to find out what blog platform you have been utilizing? I’m experiencing some small security problems with my latest site and I’d like to find something more safe. Do you have any suggestions?

  136. Hi there! This post could not be written any better! Reading this post reminds me of my good old room mate! He always kept talking about this. I will forward this article to him. Pretty sure he will have a good read. Thanks for sharing!

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  138. Please let me know if you’re looking for a article author for your weblog. You have some really great posts and I think I would be a good asset. If you ever want to take some of the load off, I’d really like to write some articles for your blog in exchange for a link back to mine. Please shoot me an e-mail if interested. Cheers!

  139. Good day! I could have sworn I’ve been to this site before but after browsing through some of the post I realized it’s new to me. Anyways, I’m definitely delighted I found it and I’ll be bookmarking and checking back often!

  140. Hi there would you mind sharing which blog platform you’re working with? I’m going to start my own blog in the near future but I’m having a hard time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking for something completely unique. P.S My apologies for getting off-topic but I had to ask!

  141. Hey there just wanted to give you a quick heads up. The text in your post seem to be running off the screen in Internet explorer. I’m not sure if this is a format issue or something to do with web browser compatibility but I figured I’d post to let you know. The design look great though! Hope you get the issue solved soon. Many thanks

  142. We absolutely love your blog and find nearly all of your post’s to be just what I’m looking for. Does one offer guest writers to write content in your case? I wouldn’t mind publishing a post or elaborating on a few of the subjects you write about here. Again, awesome web site!

  143. It’s a shame you don’t have a donate button! I’d definitely donate to this excellent blog! I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google account. I look forward to brand new updates and will share this blog with my Facebook group. Chat soon!

  144. Hi there! I understand this is kind of off-topic but I had to ask. Does building a well-established blog such as yours take a massive amount work? I am completely new to writing a blog but I do write in my journal every day. I’d like to start a blog so I will be able to share my personal experience and feelings online. Please let me know if you have any kind of recommendations or tips for new aspiring blog owners. Thankyou!

  145. I was wondering if you ever thought of changing the structure of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or two pictures. Maybe you could space it out better?

  146. Hi! I understand this is somewhat off-topic however I needed to ask. Does building a well-established blog like yours require a large amount of work? I’m brand new to blogging but I do write in my journal on a daily basis. I’d like to start a blog so I can share my own experience and thoughts online. Please let me know if you have any kind of recommendations or tips for brand new aspiring blog owners. Thankyou!

  147. Fantastic blog! Do you have any helpful hints for aspiring writers? I’m hoping to start my own site soon but I’m a little lost on everything. Would you propose starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m totally overwhelmed .. Any suggestions? Thanks!

  148. Howdy! I know this is kinda off topic but I’d figured I’d ask. Would you be interested in exchanging links or maybe guest authoring a blog post or vice-versa? My site covers a lot of the same subjects as yours and I believe we could greatly benefit from each other. If you’re interested feel free to shoot me an e-mail. I look forward to hearing from you! Fantastic blog by the way!

  149. Neat blog! Is your theme custom made or did you download it from somewhere? A theme like yours with a few simple tweeks would really make my blog stand out. Please let me know where you got your theme. With thanks

  150. First of all I would like to say great blog! I had a quick question which I’d like to ask if you don’t mind. I was interested to know how you center yourself and clear your thoughts before writing. I’ve had a difficult time clearing my mind in getting my thoughts out. I do take pleasure in writing however it just seems like the first 10 to 15 minutes are usually wasted just trying to figure out how to begin. Any recommendations or tips? Many thanks!

  151. I do not know if it’s just me or if everyone else experiencing problems with your website. It looks like some of the written text on your content are running off the screen. Can someone else please provide feedback and let me know if this is happening to them too? This may be a problem with my browser because I’ve had this happen previously. Thank you

  152. Hello there! I know this is kinda off topic however , I’d figured I’d ask. Would you be interested in exchanging links or maybe guest writing a blog post or vice-versa? My site addresses a lot of the same topics as yours and I think we could greatly benefit from each other. If you happen to be interested feel free to send me an email. I look forward to hearing from you! Great blog by the way!

  153. Hello! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My weblog looks weird when browsing from my iphone4. I’m trying to find a template or plugin that might be able to resolve this problem. If you have any recommendations, please share. Thanks!

  154. Neat blog! Is your theme custom made or did you download it from somewhere? A theme like yours with a few simple adjustements would really make my blog jump out. Please let me know where you got your design. Thank you

  155. The other day, while I was at work, my sister stole my apple ipad and tested to see if it can survive a 40 foot drop, just so she can be a youtube sensation. My apple ipad is now broken and she has 83 views. I know this is entirely off topic but I had to share it with someone!

  156. Appreciating the persistence you put into your site and detailed information you offer. It’s nice to come across a blog every once in a while that isn’t the same unwanted rehashed information. Excellent read! I’ve bookmarked your site and I’m adding your RSS feeds to my Google account.

  157. Please let me know if you’re looking for a article writer for your site. You have some really great articles and I think I would be a good asset. If you ever want to take some of the load off, I’d really like to write some articles for your blog in exchange for a link back to mine. Please send me an e-mail if interested. Thanks!

  158. Hi! I know this is somewhat off-topic but I had to ask. Does managing a well-established blog such as yours take a large amount of work? I’m completely new to running a blog but I do write in my diary everyday. I’d like to start a blog so I can share my own experience and feelings online. Please let me know if you have any kind of suggestions or tips for brand new aspiring blog owners. Appreciate it!

  159. Hey there! This is kind of off topic but I need some help from an established blog. Is it difficult to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to begin. Do you have any points or suggestions? With thanks

  160. Howdy! Someone in my Myspace group shared this website with us so I came to take a look. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers! Great blog and brilliant design.

  161. Hi! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no backup. Do you have any methods to prevent hackers?

  162. Hello are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and create my own. Do you require any html coding knowledge to make your own blog? Any help would be really appreciated!

  163. Today, I went to the beach front with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

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  199. Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

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  253. I am really loving the theme/design of your blog. Do you ever run into any browser compatibility issues? A handful of my blog audience have complained about my blog not operating correctly in Explorer but looks great in Chrome. Do you have any tips to help fix this issue?

  254. I am really enjoying the theme/design of your website. Do you ever run into any internet browser compatibility problems? A couple of my blog audience have complained about my website not operating correctly in Explorer but looks great in Safari. Do you have any tips to help fix this issue?

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  366. Hi there just wanted to give you a brief heads up and let you know a few of the pictures aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different web browsers and both show the same results.

  367. My coder is trying to convince me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using WordPress on various websites for about a year and am concerned about switching to another platform. I have heard very good things about blogengine.net. Is there a way I can import all my wordpress content into it? Any kind of help would be really appreciated!

  368. My developer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on various websites for about a year and am anxious about switching to another platform. I have heard good things about blogengine.net. Is there a way I can import all my wordpress content into it? Any kind of help would be greatly appreciated!

  369. Hello! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in exchanging links or maybe guest writing a blog article or vice-versa? My site covers a lot of the same subjects as yours and I think we could greatly benefit from each other. If you are interested feel free to send me an email. I look forward to hearing from you! Awesome blog by the way!

  370. Have you ever considered about adding a little bit more than just your articles? I mean, what you say is fundamental and everything. But think about if you added some great photos or videos to give your posts more, “pop”! Your content is excellent but with images and video clips, this website could certainly be one of the greatest in its niche. Good blog!

  371. This design is wicked! You obviously know how to keep a reader amused. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Wonderful job. I really enjoyed what you had to say, and more than that, how you presented it. Too cool!