Tag Archives: Right

Ideas For Making The Right Home Owner’s Insurance Decision

Ideas For Making The Right Home Owner’s Insurance Decision

Obtaining insurance for your home can be a daunting challenge. With so many clauses, contingencies and contracts, not to mention the magnitude of what is at stake for you, it is simply overwhelming. Read on to learn how to navigate your way through the maze of homeowners insurance and be able to make your decision based on knowledge and facts with complete confidence.

After purchasing your homeowner’s insurance policy, go around your home and take photographs of your belongings so you have a visual inventory. Store these photos in a fireproof safe or at a relative’s house. These photographs will help the insurance company document your claims, and help you get your money faster.

Smoke alarms can help you save on your homeowners insurance premiums. With installed smoke alarms, you can save around 10% or more on your annual homeowners insurance premiums. It is possible that if you add more smoke detectors, your insurance agent will further discount your policy. Don’t forget to tell your agent about your smoke alarms.

If possible, pay off your mortgage to save money on your home owners insurance. When an individual owns their home outright, rather than paying a mortgage each month, insurance companies view them as clients who are more likely to take care of their home. Because of this, most companies will offer them lower annual premiums. As soon as your mortgage is paid off, make a call to your insurance agent so the cost savings can begin.

If you keep valuables in your home, make sure they are covered by your home insurance policy. Standard home insurance polices cover the structure of your home and your personal belonging, but they may not cover high-value items like jewelry, paintings or coin collections. If the value of your personal items exceeds your insurance policy limits, you will need to add extra coverage to your policy otherwise if the items are stolen or destroyed, your home insurance provider will not pay to have them replaced.

Another way to get a discount on your home insurance is by having some form of fire safety in place. Smoke alarms are a good choice. While these are generally common in most current buildings, installing them in aging homes can save you about 10% or more in annual premiums. The other plus is that they can possibly save you if there’s a fire.

There are endless amounts of natural of man made disasters that could occur causing you to have to use your home owner’s insurance. Make sure you are prepared for disaster by having the plant that best fits your home and lifestyle. Don’t hastily decide which policy you will be protecting your assets with!

Hopefully you are now well prepared to take on the challenges of finding the right homeowners policy for you and your needs. Arming yourself with knowledge is always the best approach and insurance is no different. Keep a little notepad handy as you endeavor your selection and shop around for the best policy. Hold every company and what they offer up to a standard of excellence that serve your needs as a home owner best.

Euthanasia and the Right to Die

Euthanasia and the Right to Die

I. Definitions of Types of Euthanasia

Euthanasia, whether in a medical setting (hospital, clinic, hospice) or not (at home) is often erroneously described as “mercy killing”. Most forms of euthanasia are, indeed, motivated by (some say: misplaced) mercy. Not so others. In Greek, “eu” means both “well” and “easy” and “Thanatos” is death.

Euthanasia is the intentional premature termination of another person’s life either by direct intervention (active euthanasia) or by withholding life-prolonging measures and resources (passive euthanasia), either at the express or implied request of that person (voluntary euthanasia), or in the absence of such approval (non-voluntary euthanasia). Involuntary euthanasia – where the individual wishes to go on living – is an euphemism for murder.

To my mind, passive euthanasia is immoral. The abrupt withdrawal of medical treatment, feeding, and hydration results in a slow and (potentially) torturous death. It took Terri Schiavo 13 days to die, when her tubes were withdrawn in the last two weeks of March 2005. Since it is impossible to conclusively prove that patients in PVS (Persistent Vegetative State) do not suffer pain, it is morally wrong to subject them to such potential gratuitous suffering. Even animals should be treated better. Moreover, passive euthanasia allows us to evade personal responsibility for the patient’s death. In active euthanasia, the relationship between the act (of administering a lethal medication, for instance) and its consequences is direct and unambiguous.

As the philosopher John Finnis notes, to qualify as euthanasia, the termination of life has to be the main and intended aim of the act or omission that lead to it. If the loss of life is incidental (a side effect), the agent is still morally responsible but to describe his actions and omissions as euthanasia would be misleading. Volntariness (accepting the foreseen but unintended consequences of one’s actions and omissions) should be distinguished from intention.

Still, this sophistry obscures the main issue:

If the sanctity of life is a supreme and overriding value (“basic good”), it ought to surely preclude and proscribe all acts and omissions which may shorten it, even when the shortening of life is a mere deleterious side effect.

But this is not the case. The sanctity and value of life compete with a host of other equally potent moral demands. Even the most devout pro-life ethicist accepts that certain medical decisions – for instance, to administer strong analgesics – inevitably truncate the patient’s life. Yet, this is considered moral because the resulting euthanasia is not the main intention of the pain-relieving doctor.

Moreover, the apparent dilemma between the two values (reduce suffering or preserve life) is non-existent.

There are four possible situations. Imagine a patient writhing with insufferable pain.

1. The patient’s life is not at risk if she is not medicated with painkillers (she risks dying if she is medicated)

2. The patient’s life is not at risk either way, medicated or not

3. The patient’s life is at risk either way, medicated or not

4. The patient’s life is at risk if she is not medicated with painkillers

In all four cases, the decisions our doctor has to make are ethically clear cut. He should administer pain-alleviating drugs, except when the patient risks dying (in 1 above). The (possible) shortening of the patient’s life (which is guesswork, at best) is immaterial.

Conclusions:

It is easy to distinguish euthanasia from all other forms of termination of life. Voluntary active euthanasia is morally defensible, at least in principle (see below). Not so other types of euthanasia.

II. Who is or Should Be Subject to Euthanasia? The Problem of Dualism vs. Reductionism

With the exception of radical animal rights activists, most philosophers and laymen consider people – human beings – to be entitled to “special treatment”, to be in possession of unique rights (and commensurate obligations), and to be capable of feats unparalleled in other species.

Thus, opponents of euthanasia universally oppose the killing of “persons”. As the (pro-euthanasia) philosopher John Harris puts it:

” … concern for their welfare, respect for their wishes, respect for the intrinsic value of their lives and respect for their interests.”

Ronald Dworkin emphasizes the investments – made by nature, the person involved, and others – which euthanasia wastes. But he also draws attention to the person’s “critical interests” – the interests whose satisfaction makes life better to live. The manner of one’s own death may be such a critical interest. Hence, one should have the right to choose how one dies because the “right kind” of death (e.g., painless, quick, dignified) reflects on one’s entire life, affirms and improves it.

But who is a person? What makes us human? Many things, most of which are irrelevant to our discussion.

Broadly speaking, though, there are two schools of thought:

(i) That we are rendered human by the very event of our conception (egg meets sperm), or, at the latest, our birth; or

(ii) That we are considered human only when we act and think as conscious humans do.

The proponents of the first case (i) claim that merely possessing a human body (or the potential to come to possess such a body) is enough to qualify us as “persons”. There is no distinction between mind and abode – thought, feelings, and actions are merely manifestations of one underlying unity. The fact that some of these manifestations have yet to materialize (in the case of an embryo) or are mere potentials (in the case of a comatose patient) does not detract from our essential, incontrovertible, and indivisible humanity. We may be immature or damaged persons – but we are persons all the same (and always will be persons).

Though considered “religious” and “spiritual”, this notion is actually a form of reductionism. The mind, “soul”, and “spirit” are mere expressions of one unity, grounded in our “hardware” – in our bodies.

Those who argue the second case (ii) postulate that it is possible to have a human body which does not host a person. People in Persistent Vegetative States, for instance – or fetuses, for that matter – are human but also non-persons. This is because they do not yet – or are unable to – exercise their faculties. Personhood is complexity. When the latter ceases, so does the former. Personhood is acquired and is an extensive parameter, a total, defining state of being. One is either awake or asleep, either dead or alive, either in a state of personhood or not

The latter approach involves fine distinctions between potential, capacity, and skill. A human body (or fertilized egg) have the potential to think, write poetry, feel pain, and value life. At the right phase of somatic development, this potential becomes capacity and, once it is competently exercised – it is a skill.

Embryos and comatose people may have the potential to do and think – but, in the absence of capacities and skills, they are not full-fledged persons. Indeed, in all important respects, they are already dead.

Taken to its logical conclusion, this definition of a person also excludes newborn infants, the severely retarded, the hopelessly quadriplegic, and the catatonic. “Who is a person” becomes a matter of culturally-bound and medically-informed judgment which may be influenced by both ignorance and fashion and, thus, be arbitrary and immoral.

Imagine a computer infected by a computer virus which cannot be quarantined, deleted, or fixed. The virus disables the host and renders it “dead”. Is it still a computer? If someone broke into my house and stole it, can I file an insurance claim? If a colleague destroys it, can I sue her for the damages? The answer is yes. A computer is a computer for as long as it exists physically and a cure is bound to be found even against the most trenchant virus.

Conclusions:

The definition of personhood must rely on objective, determinate and determinable criteria. The anti-euthanasia camp relies on bodily existence as one such criterion. The pro-euthanasia faction has yet to reciprocate.

III. Euthanasia and Suicide

Self-sacrifice, avoidable martyrdom, engaging in life risking activities, refusal to prolong one’s life through medical treatment, euthanasia, overdosing, and self-destruction that is the result of coercion – are all closely related to suicide. They all involve a deliberately self-inflicted death.

But while suicide is chiefly intended to terminate a life – the other acts are aimed at perpetuating, strengthening, and defending values or other people. Many – not only religious people – are appalled by the choice implied in suicide – of death over life. They feel that it demeans life and abnegates its meaning.

Life’s meaning – the outcome of active selection by the individual – is either external (such as “God’s plan”) or internal, the outcome of an arbitrary frame of reference, such as having a career goal. Our life is rendered meaningful only by integrating into an eternal thing, process, design, or being. Suicide makes life trivial because the act is not natural – not part of the eternal framework, the undying process, the timeless cycle of birth and death. Suicide is a break with eternity.

Henry Sidgwick said that only conscious (i.e., intelligent) beings can appreciate values and meanings. So, life is significant to conscious, intelligent, though finite, beings – because it is a part of some eternal goal, plan, process, thing, design, or being. Suicide flies in the face of Sidgwick’s dictum. It is a statement by an intelligent and conscious being about the meaninglessness of life.

If suicide is a statement, than society, in this case, is against the freedom of expression. In the case of suicide, free speech dissonantly clashes with the sanctity of a meaningful life. To rid itself of the anxiety brought on by this conflict, society cast suicide as a depraved or even criminal act and its perpetrators are much castigated.

The suicide violates not only the social contract but, many will add, covenants with God or nature. St. Thomas Aquinas wrote in the “Summa Theologiae” that – since organisms strive to survive – suicide is an unnatural act. Moreover, it adversely affects the community and violates the property rights of God, the imputed owner of one’s spirit. Christianity regards the immortal soul as a gift and, in Jewish writings, it is a deposit. Suicide amounts to the abuse or misuse of God’s possessions, temporarily lodged in a corporeal mansion.

This paternalism was propagated, centuries later, by Sir William Blackstone, the codifier of British Law. Suicide – being self-murder – is a grave felony, which the state has a right to prevent and to punish for. In certain countries this still is the case. In Israel, for instance, a soldier is considered to be “military property” and an attempted suicide is severely punished as “the corruption of an army chattel”.

Paternalism, a malignant mutation of benevolence, is about objectifying people and treating them as possessions. Even fully-informed and consenting adults are not granted full, unmitigated autonomy, freedom, and privacy. This tends to breed “victimless crimes”. The “culprits” – gamblers, homosexuals, communists, suicides, drug addicts, alcoholics, prostitutes – are “protected from themselves” by an intrusive nanny state.

The possession of a right by a person imposes on others a corresponding obligation not to act to frustrate its exercise. Suicide is often the choice of a mentally and legally competent adult. Life is such a basic and deep set phenomenon that even the incompetents – the mentally retarded or mentally insane or minors – can fully gauge its significance and make “informed” decisions, in my view.

The paternalists claim counterfactually that no competent adult “in his right mind” will ever decide to commit suicide. They cite the cases of suicides who survived and felt very happy that they have – as a compelling reason to intervene. But we all make irreversible decisions for which, sometimes, we are sorry. It gives no one the right to interfere.

Paternalism is a slippery slope. Should the state be allowed to prevent the birth of a genetically defective child or forbid his parents to marry in the first place? Should unhealthy adults be forced to abstain from smoking, or steer clear from alcohol? Should they be coerced to exercise?

Suicide is subject to a double moral standard. People are permitted – nay, encouraged – to sacrifice their life only in certain, socially sanctioned, ways. To die on the battlefield or in defense of one’s religion is commendable. This hypocrisy reveals how power structures – the state, institutional religion, political parties, national movements – aim to monopolize the lives of citizens and adherents to do with as they see fit. Suicide threatens this monopoly. Hence the taboo.

Does one have a right to take one’s life?

The answer is: it depends. Certain cultures and societies encourage suicide. Both Japanese kamikaze and Jewish martyrs were extolled for their suicidal actions. Certain professions are knowingly life-threatening – soldiers, firemen, policemen. Certain industries – like the manufacture of armaments, cigarettes, and alcohol – boost overall mortality rates.

In general, suicide is commended when it serves social ends, enhances the cohesion of the group, upholds its values, multiplies its wealth, or defends it from external and internal threats. Social structures and human collectives – empires, countries, firms, bands, institutions – often commit suicide. This is considered to be a healthy process.

More about suicide, the meaning of life, and related considerations – HERE.

Back to our central dilemma:

Is it morally justified to commit suicide in order to avoid certain, forthcoming, unavoidable, and unrelenting torture, pain, or coma?

Is it morally justified to ask others to help you to commit suicide (for instance, if you are incapacitated)?

Imagine a society that venerates life-with-dignity by making euthanasia mandatory (Trollope’s Britannula in “The Fixed Period”) – would it then and there be morally justified to refuse to commit suicide or to help in it?

Conclusions:

Though legal in many countries, suicide is still frowned upon, except when it amounts to socially-sanctioned self-sacrifice.

Assisted suicide is both condemned and illegal in most parts of the world. This is logically inconsistent but reflects society’s fear of a “slippery slope” which may lead from assisted suicide to murder.

IV. Euthanasia and Murder

Imagine killing someone before we have ascertained her preferences as to the manner of her death and whether she wants to die at all. This constitutes murder even if, after the fact, we can prove conclusively that the victim wanted to die.

Is murder, therefore, merely the act of taking life, regardless of circumstances – or is it the nature of the interpersonal interaction that counts? If the latter, the victim’s will counts – if the former, it is irrelevant.

V. Euthanasia, the Value of Life, and the Right to Life

Few philosophers, legislators, and laymen support non-voluntary or involuntary euthanasia. These types of “mercy” killing are associated with the most heinous crimes against humanity committed by the Nazi regime on both its own people and other nations. They are and were also an integral part of every program of active eugenics.

The arguments against killing someone who hasn’t expressed a wish to die (let alone someone who has expressed a desire to go on living) revolve around the right to life. People are assumed to value their life, cherish it, and protect it. Euthanasia – especially the non-voluntary forms – amounts to depriving someone (as well as their nearest and dearest) of something they value.

The right to life – at least as far as human beings are concerned – is a rarely questioned fundamental moral principle. In Western cultures, it is assumed to be inalienable and indivisible (i.e., monolithic). Yet, it is neither. Even if we accept the axiomatic – and therefore arbitrary – source of this right, we are still faced with intractable dilemmas. All said, the right to life may be nothing more than a cultural construct, dependent on social mores, historical contexts, and exegetic systems.

Rights – whether moral or legal – impose obligations or duties on third parties towards the right-holder. One has a right AGAINST other people and thus can prescribe to them certain obligatory behaviors and proscribe certain acts or omissions. Rights and duties are two sides of the same Janus-like ethical coin.

This duality confuses people. They often erroneously identify rights with their attendant duties or obligations, with the morally decent, or even with the morally permissible. One’s rights inform other people how they MUST behave towards one – not how they SHOULD or OUGHT to act morally. Moral behavior is not dependent on the existence of a right. Obligations are.

To complicate matters further, many apparently simple and straightforward rights are amalgams of more basic moral or legal principles. To treat such rights as unities is to mistreat them.

Take the right to life. It is a compendium of no less than eight distinct rights: the right to be brought to life, the right to be born, the right to have one’s life maintained, the right not to be killed, the right to have one’s life saved, the right to save one’s life (wrongly reduced to the right to self-defence), the right to terminate one’s life, and the right to have one’s life terminated.

None of these rights is self-evident, or unambiguous, or universal, or immutable, or automatically applicable. It is safe to say, therefore, that these rights are not primary as hitherto believed – but derivative.

Go HERE to learn more about the Right to Life.

Of the eight strands comprising the right to life, we are concerned with a mere two.

The Right to Have One’s Life Maintained

This leads to a more general quandary. To what extent can one use other people’s bodies, their property, their time, their resources and to deprive them of pleasure, comfort, material possessions, income, or any other thing – in order to maintain one’s life?

Even if it were possible in reality, it is indefensible to maintain that I have a right to sustain, improve, or prolong my life at another’s expense. I cannot demand – though I can morally expect – even a trivial and minimal sacrifice from another in order to prolong my life. I have no right to do so.

Of course, the existence of an implicit, let alone explicit, contract between myself and another party would change the picture. The right to demand sacrifices commensurate with the provisions of the contract would then crystallize and create corresponding duties and obligations.

No embryo has a right to sustain its life, maintain, or prolong it at its mother’s expense. This is true regardless of how insignificant the sacrifice required of her is.

Yet, by knowingly and intentionally conceiving the embryo, the mother can be said to have signed a contract with it. The contract causes the right of the embryo to demand such sacrifices from his mother to crystallize. It also creates corresponding duties and obligations of the mother towards her embryo.

We often find ourselves in a situation where we do not have a given right against other individuals – but we do possess this very same right against society. Society owes us what no constituent-individual does.

Thus, we all have a right to sustain our lives, maintain, prolong, or even improve them at society’s expense – no matter how major and significant the resources required. Public hospitals, state pension schemes, and police forces may be needed in order to fulfill society’s obligations to prolong, maintain, and improve our lives – but fulfill them it must.

Still, each one of us can sign a contract with society – implicitly or explicitly – and abrogate this right. One can volunteer to join the army. Such an act constitutes a contract in which the individual assumes the duty or obligation to give up his or her life.

The Right not to be Killed

It is commonly agreed that every person has the right not to be killed unjustly. Admittedly, what is just and what is unjust is determined by an ethical calculus or a social contract – both constantly in flux.

Still, even if we assume an Archimedean immutable point of moral reference – does A’s right not to be killed mean that third parties are to refrain from enforcing the rights of other people against A? What if the only way to right wrongs committed by A against others – was to kill A? The moral obligation to right wrongs is about restoring the rights of the wronged.

If the continued existence of A is predicated on the repeated and continuous violation of the rights of others – and these other people object to it – then A must be killed if that is the only way to right the wrong and re-assert the rights of A’s victims.

The Right to have One’s Life Saved

There is no such right because there is no moral obligation or duty to save a life. That people believe otherwise demonstrates the muddle between the morally commendable, desirable, and decent (“ought”, “should”) and the morally obligatory, the result of other people’s rights (“must”). In some countries, the obligation to save a life is codified in the law of the land. But legal rights and obligations do not always correspond to moral rights and obligations, or give rise to them.

VI. Euthanasia and Personal Autonomy

The right to have one’s life terminated at will (euthanasia), is subject to social, ethical, and legal strictures. In some countries – such as the Netherlands – it is legal (and socially acceptable) to have one’s life terminated with the help of third parties given a sufficient deterioration in the quality of life and given the imminence of death. One has to be of sound mind and will one’s death knowingly, intentionally, repeatedly, and forcefully.

Should we have a right to die (given hopeless medical circumstances)? When our wish to end it all conflicts with society’s (admittedly, paternalistic) judgment of what is right and what is good for us and for others – what should prevail?

One the one hand, as Patrick Henry put it, “give me liberty or give me death”. A life without personal autonomy and without the freedom to make unpopular and non-conformist decisions is, arguably, not worth living at all!

As Dworkin states:

“Making someone die in a way that others approve, but he believes a horrifying contradiction of his life, is a devastating, odious form of tyranny”.

Still, even the victim’s express wishes may prove to be transient and circumstantial (due to depression, misinformation, or clouded judgment). Can we regard them as immutable and invariable? Moreover, what if the circumstances prove everyone – the victim included – wrong? What if a cure to the victim’s disease is found ten minutes after the euthanasia?

Conclusions:

Personal autonomy is an important value in conflict with other, equally important values. Hence the debate about euthanasia. The problem is intractable and insoluble. No moral calculus (itself based implicitly or explicitly on a hierarchy of values) can tell us which value overrides another and what are the true basic goods.

VII. Euthanasia and Society

It is commonly accepted that where two equally potent values clash, society steps in as an arbiter. The right to material welfare (food, shelter, basic possessions) often conflicts with the right to own private property and to benefit from it. Society strikes a fine balance by, on the one hand, taking from the rich and giving to the poor (through redistributive taxation) and, on the other hand, prohibiting and punishing theft and looting.

Euthanasia involves a few such finely-balanced values: the sanctity of life vs. personal autonomy, the welfare of the many vs. the welfare of the individual, the relief of pain vs. the prolongation and preservation of life.

Why can’t society step in as arbiter in these cases as well?

Moreover, what if a person is rendered incapable of expressing his preferences with regards to the manner and timing of his death – should society step in (through the agency of his family or through the courts or legislature) and make the decision for him?

In a variety of legal situations, parents, court-appointed guardians, custodians, and conservators act for, on behalf of, and in lieu of underage children, the physically and mentally challenged and the disabled. Why not here?

We must distinguish between four situations:

1. The patient foresaw the circumstances and provided an advance directive (living will), asking explicitly for his life to be terminated when certain conditions are met.

2. The patient did not provide an advanced directive but expressed his preference clearly before he was incapacitated. The risk here is that self-interested family members may lie.

3. The patient did not provide an advance directive and did not express his preference aloud – but the decision to terminate his life is commensurate with both his character and with other decisions he made.

4. There is no indication, however indirect, that the patient wishes or would have wished to die had he been capable of expression but the patient is no longer a “person” and, therefore, has no interests to respect, observe, and protect. Moreover, the patient is a burden to himself, to his nearest and dearest, and to society at large. Euthanasia is the right, just, and most efficient thing to do.

Conclusions:

Society can (and often does) legalize euthanasia in the first case and, subject to rigorous fact checking, in the second and third cases. To prevent economically-motivated murder disguised as euthanasia, non-voluntary and involuntary euthanasia (as set in the forth case above) should be banned outright.

VIII. Slippery Slope Arguments

Issues in the Calculus of Rights – The Hierarchy of Rights

The right to life supersedes – in Western moral and legal systems – all other rights. It overrules the right to one’s body, to comfort, to the avoidance of pain, or to ownership of property. Given such lack of equivocation, the amount of dilemmas and controversies surrounding the right to life is, therefore, surprising.

When there is a clash between equally potent rights – for instance, the conflicting rights to life of two people – we can decide among them randomly (by flipping a coin, or casting dice). Alternatively, we can add and subtract rights in a somewhat macabre arithmetic.

Thus, if the continued life of an embryo or a fetus threatens the mother’s life – that is, assuming, controversially, that both of them have an equal right to life – we can decide to kill the fetus. By adding to the mother’s right to life her right to her own body we outweigh the fetus’ right to life.

The Difference between Killing and Letting Die

Counterintuitively, there is a moral gulf between killing (taking a life) and letting die (not saving a life). The right not to be killed is undisputed. There is no right to have one’s own life saved. Where there is a right – and only where there is one – there is an obligation. Thus, while there is an obligation not to kill – there is no obligation to save a life.

Anti-euthanasia ethicists fear that allowing one kind of euthanasia – even under the strictest and explicit conditions – will open the floodgates. The value of life will be depreciated and made subordinate to considerations of economic efficacy and personal convenience. Murders, disguised as acts of euthanasia, will proliferate and none of us will be safe once we reach old age or become disabled.

Years of legally-sanctioned euthanasia in the Netherlands, parts of Australia, and a state or two in the United States (living wills have been accepted and complied with throughout the Western world for a well over a decade now) tend to fly in the face of such fears. Doctors did not regard these shifts in public opinion and legislative climate as a blanket license to kill their charges. Family members proved to be far less bloodthirsty and avaricious than feared.

Conclusions:

As long as non-voluntary and involuntary types of euthanasia are treated as felonies, it seems safe to allow patients to exercise their personal autonomy and grant them the right to die. Legalizing the institution of “advance directive” will go a long way towards regulating the field – as would a new code of medical ethics that will recognize and embrace reality: doctors, patients, and family members collude in their millions to commit numerous acts and omissions of euthanasia every day. It is their way of restoring dignity to the shattered lives and bodies of loved ones.

Effective Tips For Choosing The Right Health Insurance (3)

Effective Tips For Choosing The Right Health Insurance

Giving consideration to the kind of health insurance you want is very important. You want to have the best coverage for your needs. By learning more information about health insurance, you will be more informed about which is the best plan for you. The following article is going to give you that information.

A great health insurance tip is to set money aside into a health savings account. The huge benefit to doing this is that the money is tax deductible. Remember this account is usually a use it or lose it policy, but it will save you some money overall.

Understand you and your families health status when shopping for insurance. If you are a single healthy person, you can take the risk and go for a low-cost, super-high, deductible plan, as the odds are that you will not need to use it as often. If there is a history of illness or if you have children, you will want to pay a little more per month for a lower deductible.

When searching for the best health insurance plan for your specific needs, consider using the services of an independent insurance broker. A good broker will understand the fine points of a wide range of insurance policies and can help with the legwork needed to shop around for the best rates. In addition, a good broker is likely to know of a much broader swath of plans and providers then you will find on your own. Just make sure any broker you consider is credentialed with the National Association of Insurance Commissioners (NAIC).

You need to make sure that you have fully researched as many health insurance plans as you possible can. An insurance broker may be needed if you don’t have the time or the desire to go through the large amounts of information. You can also look at websites that specialize in comparing and picking insurance policies that fit the customer’s needs.

Never go without health insurance. While a few people never get sick or injured, the chances that you will not get sick, are astronomical. Protect yourself from falling into medical debt by getting insurance, even if it is only the bare minimum. You do not want to be left untreated just because you can’t afford it.

If you are applying for new health insurance, make sure you do not let your old health insurance expire. This does not look good at all. You can turn to COBRA (Consolidated Omnibus Budget Reconciliation Act) if for some reason your old insurance is to be cancelled before you are able to find new insurance.

In college, find out about how to use your school’s health center. Some college health facilities will only accept the insurance coverage that you receive through the school. If you don’t have that insurance you may end up paying some hefty out of pocket fees so make sure you understand it upfront.

As was stated above, it is important to really consider what you need in a health insurance plan. The best way to do that is to learn all you can about health insurance. Take the advice provided to you in the above article, and use it to get the best health insurance possible.

Life Insurance Made Simple: How To Find The Right Policy

Life Insurance Made Simple: How To Find The Right Policy

When you need to protect your family’s financial situation, life insurance makes a lot of sense. Many employers offer group life insurance or your financial adviser can recommend a quality company. Life insurance can also be purchased from online sources, but it’s important to do your homework so you know what to buy.

If you are considering purchasing life insurance you may want to look into possible coverage that is already offered by your employer. It’s common for employers to offer basic life insurance plans at good rates for their employees. You should make sure that the coverage is adaquate for your needs and purchase supplemental policies if additional coverage is desired.

A great tip to potentially save money on life insurance is to choose a term policy with a “conversion to permanent”� clause. This means you can switch this term insurance policy into a permanent one with no more medical exams. This can save you money if you have sudden health problems while your term insurance policy is still active.

To save money on your life insurance policy, it is important to understand how insurance companies and their associates make a profit. Insurance agents and financial planners that work on commission, are only paid if they sell you an insurance product, while fee based planners earn from sales, as well as fees.

Although term life insurance covers you for only a specified period of time, it does have some benefits that may make it the right choice for you. Term life insurance is vastly cheaper than whole life insurance, costing hundreds of dollars a year rather than thousands. It is flexible in that you can choose to be covered for as few as 5 or as many as 30 years with coverage ranging from 0,000 to millions. For short term needs, such as children graduating from college or a mortgage being paid off, term life insurance is ideal, especially if whole life insurance is not in your budget.

When you are looking into life insurance, you will want to determine how much coverage you will need. While there are online calculators that will help you find a more exact figure, the easiest way to determine the amount of coverage you need is to take your annual salary and then multiply that number by eight.

If you have minor children, purchase enough life insurance to offset their expenses until adulthood. The loss of your income could have a significant impact on your children’s lives, and life insurance can help close the financial gap. This affects not only day-to-day expenses, but also those larger ones like college costs.

Make adjustments on your plans as needed. Life changes to your policy can greatly affect it. Things that can cause a change to coverage, include marriage, divorce, birth of a child or the beginning of caring for an elderly parent. You could even reach a point, most likely after your kids reach adulthood and your retirement amount is achieved, where you could stop life insurance coverage altogether.

Life insurance can help you sleep at night, knowing your family is well-provided for, if something should happen. Finding the right life insurance for you involves an assessment of your personal needs. Decide on the level of coverage you need and start making inquiries. Life insurance is more affordable now than ever.

Helpful Advice For Finding The Right Health Insurance For You

Helpful Advice For Finding The Right Health Insurance For You

Everyone needs health insurance. Unfortunately, not everyone can afford health insurance, and still have money left over to afford to function in society. Even if you can afford health insurance, maybe you find it confusing. All of the options you can get with your policy, can be more than a little daunting. Here are some tips to help you find a worthwhile health insurance plan.

Figure out what sort of premium payment you can fit into your budget. This plan may seem wonderful but if you need to come up with 1,000 out of pocket every month, it may be too rich for your blood. Knowing what you can afford to spend beforehand will make it easier to exclude plans that are too expensive for you.

An insurance broker can be an interesting option if you don’t have a large amount of time yourself. They will help to gather several options for you before you have to make a final decision. Although this will increase the initial price you pay as you must pay the fee, it can help in the long term.

If you have a serious health condition that makes it difficult or expensive for you to secure a health insurance policy, seek the services of a health insurance agent. Some agents specialize or at least have experience in finding health insurance for those that are hard to insure, so take advantage of their expertise.

If you are self employed, you can deduct your health insurance premiums as a business expense! You can deduct premiums you paid for yourself and dependents without itemizing on your federal tax return. As long as your insurance premiums were not more than your income and you were not eligible to be on an employer-sponsored plan, you can deduct those expenses.

Make the most of your health insurance by utilizing the services that they offer other than health treatment coverages. Many of the larger health insurance companies offer health coaches to their customers that provide you with the information to live a healthy life. These services are included in the price of your premium so you should really use them.

Keep your health insurance coverage going! If you are switching healthy insurance plans, be sure not to get rid of your older one until the newer one kicks in. If you get rid of your older one too soon, you could be stuck having to pay the medical bills you may acquire when you are without health insurance!

Find out what the laws are in your state as to how much and what kind of health insurance you must have. Every state has it’s own exceptions or exemptions, so it’s important to know that before you apply for health insurance. Often you will find this information on the local government’s website.

Having health insurance can be a huge relief. No more need to put off doctor’s visits, on the off chance that you might recover all on your own. No more worries about something catastrophic and very unfortunate happening. Put those tips to good use and live a happy, healthy life.

How To Find The Right Health Insurance For You (4)

How To Find The Right Health Insurance For You

If you need help finding cheap health insurance quotes, look at our tips and learn how to get affordable health insurance that suits you best. Understanding how health insurance companies work is crucial when looking for the cheapest health insurance quotes. We will teach you how you can lower your premiums.

When applying for health insurance, have a talk with your doctor. Have him pull your medical records so you can be sure that there are no inaccuracies, and that there is nothing that may be detrimental to your chances of getting insurance. Look back at least ten years, as some health insurance companies do.

Save yourself time by getting insurance quotes from an health insurance broker. Once you provide the broker with your information you will receive quotes from multiple agencies, saving you the time of calling each one.

When getting ready to change switch your health insurance policy to a different one, consider how many unexpected doctor appointments you had for recurring minor medical issues in recent years. These issues are illnesses like the common cold or flu. Find their average cost per year. If you can, list their costs with and without insurance.

If you have to go out of network, find out upfront what your costs are going to be and see what if anything can be negotiated. Doctors tend to overbill insurance companies just because of the difficulty in knowing what will be paid and what won’t. If you are paying out of pocket, let your provider know and see if they can offer you any discounts.

When you have your health insurance through your employer make sure you check for grandfather exemptions. This is when there are small changes made to your insurance plan that are not subject to the provisions in the health reform law. This includes things such as free coverage for blood pressure screenings or depression. Your plan materials will tell you if it is grandfathered, and what that will entail.

If you have an adult child who does not have their own health insurance, you can keep them on your policy until they are 26 years old. This means that they do not have to forgo health insurance or pay for their own policy while trying to get established in a career.

If you don’t use your health insurance much, but still want the peace of mind knowing you have the coverage, then a health savings account may be a good option for you. By putting money you would have used to pay premiums into this savings account, the money grows and can then be used as the need arises.

Before you re-enroll in your health insurance plan you should make sure there haven’t been any changes made since you initially signed up for it. Sometimes, plans will change without you having any knowledge of this and you should be sure the services you are used to having covered are still covered before enrolling again.

Learning how the insurance system works is very important when dealing with insurance companies. It is possible to have a good health insurance policy, that is both reliable and affordable. Follow our tips and you will find exactly the policy that you want, need and can count on.