| Dying beyond your means
Untimely events, such as the passing away of a loved one, often catch families unaware. Yet the vast majority of people continue to spend more on travel insurance, while ignoring the greater risk to family wealth and security posed by a lack of basic life insurance cover. So what are the often ignored areas of complacency, and badly misconceived ideas of false security? Extended lives and uninsurability issues. Protection policies are assessed on risk. Underwriters calculate insurance premiums based on mortality guides taking account of age, sex, health and lifestyle. Therefore, smokers pay more than abstainers; males pay more than females and the elderly more than the young. It pays to start your life insurance early, even if you are single, because premium rates will be cheaper when you are younger.
A healthy high-risk pool
RALEIGH - The General Assembly is finally working on a serious proposal to make health insurance more affordable. State Rep. Verla Insko's health insurance high-risk pool bill has already passed two House committees. The debate offered a preview of what's ahead for the state's first significant health reform in years.Some people, because they have a serious health condition such as multiple sclerosis, are quoted $1,000 to $2,000 a month premiums when they try to buy insurance. A high-risk pool for health coverage -- like the high-risk insurance pool for automobile insurance -- puts people with serious health problems (or risks) into a pool where they pay still-high but more affordable premiums for decent coverage.Even though people in the pool pay a higher premium than those without serious health problems, it still costs more to insure them than the premiums collected to cover medical costs, because people in the pool are so sick.
DCAP Group Reports Results for 2006
HEWLETT, N.Y.-(Business Wire)-March 28, 2007 - DCAP Group, Inc. (NASDAQ: DCAP), the largest chain of independent storefront insurance agencies in the Northeast, today reported net income for the full year 2006 of $508,385 (or $0.17 per diluted share) vs. $495,760 in 2005 (or $0.17 per diluted share). Revenues declined by $.93 million, or 7.8%, while pretax income increased to $924,337, up 2.5% from 2005. .
Action Item: Children's Health Insurance Program and the Texas ...
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Hurricane bills clear committee
The weightiest of the three is basically a reworking of the My Safe Florida Home program passed by last year's Legislature. The new law would allow up to 400,000 Florida homeowners to apply for free hurricane safety inspections. Some of these residents will be able to qualify for grants or no-interest loans to "harden" their dwellings against future storms. Most of the $250 million appropriated by the 2005 Legislature for the program is still untouched. Also returning for a third year is the Hurricane Preparedness Sales Tax Holiday. The main difference is that its dates change from May to June 1-12, but the list of qualified items is basically the same as last year. Finally, an anti-looting bill that Gov. Jeb Bush vetoed in 2005 has returned in a streamlined version that would increase penalties for burglary and theft committed during a state of emergency.
Health insurance for handicraft artisans
NEW DELHI: Union Textiles Minister Shankarsinh Vaghela on Saturday launched a comprehensive health insurance scheme for handicraft artisans formulated in collaboration with ICICI Lombard General Insurance Company. Under the scheme, up to four members of an artisan's family will be eligible for health insurance coverage of up to Rs. 15,000 per year. The scheme will cover all pre-existing diseases also apart from maternity expenses limited to first two childbirths. In addition, it will cover outpatient treatment as well as treatment under ayurveda, homeopathy, siddha and unani systems of medicines too, besides allopathy. The insured artisans and their families can avail treatment in any hospital covered under the scheme without having to pay any bill. In case, the treatment is availed of in a hospital not covered under the scheme, the expenditure will be reimbursed later.
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