SAVE  MONEY  ON  AUTO,  HOMEOWNERS,                 LIFE  AND  HEALTH  INSURANCE

 

 

    AUTO 

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OLDER AUTO, DROP COMPREHENSIVE AND COLLISION COVERAGE 

DO NOT LET TEENAGERS IN THE HOUSEHOLD GET DRIVER'S LICENSES FOR AS LONG AS POSSIBLE. THE INSURANCE COMPANY  WILL START CHARGING A HIGHER PREMIUM  (50% TO 100%) AS SOON AS A TEENAGER IS GRANTED A DRIVER'S LICENSE. TRY AND MAINTAIN A CLEAN DRIVING RECORD FOR THE ENTIRE HOUSEHOLD. THE BETTER THE DRIVING RECORDS, THE LOWER THE PREMIUMS 

LOWER THE DRIVING MILEAGE AND CHECK THE MILEAGE BRACKETS FOR LOWER PREMIUMS WITH THE INSURANCE                   COMPANY. (NEW JOB, DRIVES LESS MILES     TO WORK) (RECENTLY JOINED CAR POOL)     (RETIRED, NO DRIVING TO WORK)   

INCREASE DEDUCTIBLE ON COMPREHENSIVE AND COLLISION COVERAGE 


   HOMEOWNERS

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INCREASE  DEDUCTIBLES

THERE ARE DISCOUNTS FOR HAVING SOME   OR ALL INSURANCE POLICIES WITH THE         SAME INSURANCE COMPANY (AUTO) (LIFE)   (HOMEOWNERS) (HEALTH) (BOAT) (RENTERS) (MOTORCYCLE) (BUSINESS)      

ANY SECURITY DEVICES SHOULD YIELD         LOWER PREMIUMS (ALARM SYSTEM)              (WINDOW LOCKS)(OUTDOOR LIGHTING).   DROP UNWANTED AND UNNECESSARY             COVERAGE RELATED TO YOUR SITUATION.    READ AND REVIEW YOUR POLICY  

THERE IS A PREMIUM DISCOUNT FOR HAVING A FIRE ALARM SYSTEM AT YOUR       HOME   

(ALERT) (ALERT) THERE IS NO AUTOMATIC   FLOOD INSURANCE COVERAGE IN A                 HOMEOWNER'S POLICY. HAVING FLOOD         INSURANCE COVERAGE AND NOT NEED IT,     IS FAR CHEAPER THAN NOT HAVING FLOOD  INSURANCE AND THERE IS A MAJOR FLOOD   AT YOUR HOME. FLOOD INSURANCE CAN         ONLY BE PURCHASED FROM THE FEDERAL     GOVERNMENT. INSURANCE AGENTS CAN         MARKET FLOOD INSURANCE. CONFIRM         THAT THE POLICY IS BACKED BY THE              FEDERAL GOVERNMENT     

IN NOVEMBER, 2016, THE INSURANCE             SERVICE OFFICE (ISO) GAVE 204 OUT OF        47,000 MUNICIPALITIES IN THE UNITED         STATES, CLASS 1 FIRE PROTECTION STATUS. THE CLASS 1 FIRE PROTECTION STATUS IS     THE HIGHEST GIVEN. FOR THOSE 204 MUN-   ICIPALITIES, THIS WILL MOST LIKELY            TRANSLATE TO LOWER HOMEOWNER'S           PREMIUMS. MOST INSURERS USE SOME           FORM OF THE ISO RATING SYSTEM TO             DETERMINE HOMEOWNER'S INSURANCE         PREMIUMS. (MADISON, GREEN BAY,                 WAUSAU AND FOND DU LAC, WISCONSIN).     CONTACT YOUR INSURANCE COMPANY         


   LIFE

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BUY A TERM POLICY, INSTEAD OF A WHOLE  LIFE POLICY 

BUY POLICY WITH IMMEDIATE 50%                 BENEFICIARY PAYOUT AND 50% AT A LATER   DATE    

HEALTH IMPROVEMENT MAY LOWER               PREMIUMS FOR SOME POLICIES (STOP             SMOKING) (LOSE WEIGHT) (LOWER YOUR     BLOOD PRESSURE) (NO ILLEGAL DRUGS)  

SOME LIFE INSURANCE COMPANIES CHECK   DRIVING RECORDS, SO MAINTAIN A CLEAN   DRIVING RECORD  

BUY LIFE INSURANCE AT THE EARLIEST AGE POSSIBLE, COST LESS. LIFE INSURANCE         PREMIUMS INCREASE BY AGE EACH YEAR     WHEN STARTING. MOST LIFE INSURANCE       PREMIUMS WILL REMAIN THE SAME AFTER THE POLICY IS PURCHASED. AT SOME             POINT, A PERSON WILL NOT BE ABLE TO        BUY LIFE INSURANCE BECAUSE OF AGE OR    HEALTH    


   HEALTH

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SOME EMPLOYERS OFFER DISCOUNTS ON   HEALTH CARE PREMIUMS FOR EMPLOYEES   PARTICIPATING IN WELLNESS PROGRAMS 

SWITCH TO GENERIC DRUGS 

JOB LOSS, YOU MAY BE ELIGIBLE FOR             OBAMACARE (AFFORDABLE CARE ACT) OR     MEDICAID     

UNDER OBAMACARE, ADULTS AND                   CHILDREN IN HEALTH CARE NETWORKS         GET FREE PREVENTIVE HEALTH CARE             WITH NO CO-PAYMENT, NO CO-INSURANCE,   AND NO DEDUCTIBLE. PREVENTIVE HEALTH CARE PROCEDURES CAN BE GOTTEN, EVEN     IF ANY POLICY'S DEDUCTIBLE AMOUNTS         HAVE NOT BEEN MET. (VACCINE SHOTS)         (VISION SCREENING FOR CHILDREN)               (OBESITY SCREENING AND COUNSELING)       (BLOOD PRESSURE SCREENING)  

UNDER OBAMACARE, DEPENDENT UNDER       AGE 26, CAN BE COVERED UNDER HIS OR       HER PARENT'S POLICY. LIVING AT THE           PARENT'S HOME IS NOT REQUIRED   

HEALTH INSURANCE DEDUCTIBLES ARE ON   THE RISE, SUPPLEMENTAL (GAP) HEALTH     INSURANCE COVERAGE CAN HELP SOME         INDIVIDUALS AND FAMILIES. THESE               TYPES OF POLICIES HELP COVER THE COST   OF HIGH DEDUCTIBLES AND CO-PAYS.             BECAUSE OF OBAMACARE, THESE TYPES         OF POLICIES SHOULD ONLY BE                          PURCHASED IF THE PERSON HAS PRIMARY   HEALTH INSURANCE COVERAGE

YOU  CAN  STILL  BUY  OBAMACARE  FOR THE FIRST  TIME  UNDER  THE  "SPECIAL ENROLLMENT  PERIOD",  THIS  IS  AFTER THE  "OPEN  ENROLLMENT  PERIOD".  YOU MUST  HAVE  A  LIFE  EVENT  CHANGE  THAT MAKES  YOU  ELIGIBLE,  WHICH  COULD INCLUDE  ( BUT  NOT  LIMITED  TO );  JOB LOSS,  GETTING  MARRIED,  GETTING DIVORCED,  REJECTED  BY  MEDICAID, BIRTH,  NEW  CITIZEN,  ADOPTION, MOVE  TO NEW  ZIP  CODE  OR  HOUSEHOLD  CHANGE. THERE  ARE  DIFFERENT  TIME  PERIODS BEFORE  AND  AFTER  THE  LIFE  EVENT,  SO APPLY  AS  SOON  AS  POSSIBLE.  TO  CHECK ELIGIBILITY  AND  TO  PURCHASE,  CLICK  ON OBAMACARE  ON  THIS  WEBSITE.      

                                            T C G  MARKETING    

        insurancemoneysavingtips@charter.net

                 tcgmarketing@charter.net                                                                                                             COPYRIGHT ( 2017)  



                                       

                                        

                        


                              

 

 

 
 

 

                                                                    

 

 

                            

            YOU  CAN                   STILL  BUY              OBAMACARE

               CLICK                    OBAMACARE

 

            HEALTH                     INSURANCE

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