Category Archives: accident insurance

Growing Number of Americans Purchase Accident Insurance

Growing Number of Americans Purchase Accident Insurance | JT Insurance ServicesYear over year, accident insurance sales are growing, and it doesn’t look like this growth is going to stop any time soon. With accident coverage being among the top three voluntary products that employers request, voluntary accident insurance guarantee coverage for a very affordable price, typically.

Click here to read the full article by Ingrid Case for Benefits Pro.

Types of Insurance For Your College Student

Types of Insurance For Your College Student | JT Insurance ServicesWhen your child goes away to college, there are important types of insurance to take into consideration to keep him or her safe and prepared for any incident. Health insurance, auto insurance, and even renter’s insurance may be good ideas to help your college student adjust to living away from home with new expenses and experiences.

Click here to read the full article by Kimberly Lankford for Kiplinger.

Should You Invest in Accident Insurance?

Should You Invest in Accident Insurance? | JT Insurance ServicesIf you were to find yourself suddenly ill or in an accident that prevented you from working, ensuring the wellbeing of yourself and your family would be incredibly important. To prepare for the unexpected, investing in accident insurance may be a good step to take. Generally, policies are priced “according to your age, general health and the amount you want to receive if you have to make a claim.”

Click here to read the full article by Kara Gammell for the Guardian.

Understanding the Need for Accident Insurance | JT Insurance Services

Understanding the Need for Accident Insurance

Anyone who has been seriously injured in any type of accident knows that it can be extremely expensive. Going to the hospital, receiving x-rays, pain medication, on-going physical therapy, can all add up very quickly. That is why many individuals feel better if they have accident insurance. This type of insurance is meant to ease the financial burden that an accident may cause. There are three basic types of this kind of insurance.

The first type is called car accident insurance. Car accidents can be extremely hard to predict, and when they do occur, they can cause a lot of damage. This type of insurance can apply to any type of road vehicle, including motorcycles, cars, and trucks. This insurance can provide coverage for damages to the vehicle, as well as injuries that are sustained during the incident. Many individuals will also get insurance that will cover any accident that they have while they are traveling either domestically or internationally. It focuses on accidental death &dismemberment, or AD&D. The individual with this kind of insurance may receive any applicable life insurance benefits if they are on a trip that has been insured.

The third type of insurance that covers accidents is meant for occupational accidents. Employers will often provide this type of insurance to their employees because they want to mitigate the costs that may accumulate if one of their employees is injured on the job. In the long run, it can save the employers a lot of money. This type of insurance commonly has three components: accidental disability, accidental medical and accidental death & dismemberment.

Many people find that it is important to have accident insurance. One day someone may be perfectly healthy and have no medical problems whatsoever, but that can all change in a flash unfortunately. Those who have adequate insurance will be able to pay for necessary medical costs so they can get back on their feet as soon as possible.

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Tips for Family Health Insurance

Tips for Family Health Insurance | JT Insurance ServicesWhen considering how to protect yourself and your family in case of emergency, sickness, or other unexpected conditions, there are a variety of types of insurance you may want to consider. Family health insurance, disability insurance, and life insurance may all be good options for you to look into in order to support your family’s health. It is never too soon to consider family health insurance and other types of insurance for yourself and your loved ones.

Click here to read the full article for WebMD.

Accident Insurance Linked to Decline in Workers Comp Claims | JT Insurance Services

Accident Insurance Linked to Decline in Workers Comp Claims

A new study surveyed small, medium, and large businesses, asking whether or not the employers provided employees with access to accident insurance and their number of workers comp claims. Results show that over 40% of businesses that offer an option for disability or accident insurance have seen declines in workers compensation claims.

Click here to read the full article for WorkersCompensation.com.

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Insurance Tips for Millennials

The age group now being referred to as the Millennials– young adults ranging from 18 to 31 years of age– starting out their professional lives must consider different types of insurance. The group is considered to be more vulnerable due to lower income and assets, and for this reason and many more, should consider looking into the different kinds of insurance to secure their futures.

Click here for the full article by Catherine Fredman for Investopedia.

Global Insurance Markets See Rise in Life Insurance

Global Insurance Markets See Rise in Life Insurance | JT Insurance ServicesThe global insurance market has seen rate increases in many high volume markets, including life insurance, which are driving premium growth internationally. According to Munich Re, an independent risk management and reinsurance company, 2014 will bring growth for premiums of 2.8% and can expect growth of 3.2% in 2015. Rapid industrialization and growth in emerging markets, as well as steady growth from industrialized countries, have contributed to growth in a variety of markets, especially life insurance.

Click here to read the full article by Claire Wilkinson for Insurance Information Institute.

Obamacare: The Next Big Benefit Change | JT Insurance Services

Obamacare: The Next Big Benefit Change

Under the Obama administration, another new change has been approved that will go into effect as soon as this month. The new switch to what is called “reference pricing” may slow healthcare spending, while making health insurance even more complex. Employers have the opportunity to cap what they will spend on certain medical costs, leaving employees to pay the extra cost. Will this have a great effect on how Obamacare moves forward in our nation?

Click here to read the full article by Julie Appleby for Washington Post.

Individual and Family Health Insurance | JT Insurance Services

Ensuring Greater Peace of Mind With Individual and Family Health Insurance

It is impossible to know what life is going to throw at you. One day you may be perfectly healthy, but by the next it is possible to be totally incapacitated. People get into car accidents, break their necks slipping in the shower, and discover that they have some type of cancer every day. While it is not fun to dwell on all of the negative possibilities, there is no reason that you should not prepare for them. Having individual and family health insurance is a necessity. With the right insurance company, it is possible to get great coverage for an affordable monthly premium. It just takes a little research.

Even if you are lucky enough to never have something terrible happen to you, such as receiving an injury in a car accident, it is important to have individual and family health insurance. A simple trip to the doctor because you or your child gets strep throat or pneumonia can be extremely costly if you do not have any coverage. With recent legislation, those who do not have health insurance also receive tax penalties. In the long run, paying an affordable monthly premium for health insurance is actually going to save a lot of money. This is especially true if you suddenly find yourself in a situation in which you need substantial medical care.

Do not live your life with a dark cloud over your head. There is no reason to wake up in the morning hoping against hope that nothing bad will happen to you or a family member because you do not have the means to pay for unexpected medical care. Do a little research and find a health insurance company that will give you coverage at a monthly premium that you can afford. Hopefully, you and your family will remain in excellent health throughout your lives. If you do get sick however, having great individual and family health insurance can save your life. This way, you can hope for the best but be prepared if the worst should happen.

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You can find Paul Oliver on Twitter via @Obamacare_Guru
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