Johnita McBride Insurance Advisory

Arizona, like most states, does not regulate life insurance on the policy level the way that states Departments of Insurance regulate other insurance such as health or auto. However, there are certain provisions that do vary from state to state regarding regulations pertaining to free-look time frames, illustration requirements, underwriting, and medical exam requirements. You should be aware of these rules as you shop for this product in Arizona.

Why Do I Need It?

Arizona is ranked… Continue

 

 

One of the most popular provisions of Health Care Reform is the requirement that health insurance companies provide coverage for all children, even if they have a pre-existing condition that would have, in the past, made them ineligible.

One of the consequences of this law is that in most states, health insurers no longer offer ‘child only’ policies. They will take children with any condition if and only if the child is part of a family plan with at least one of the parents. This is…

Continue

A critical illness, a serious accident, even a difficult pregnancy are taxing enough on a family…they can happen at any time and with no notice.  You need to heal.  The last thing you want to have to think about is money. 

 

Ask yourself, if my doctor told me today that I cannot work for an extended period of time (one month, two months, six months, one year), what am I going to do for money?

 

Statistics say that an average of 2,370 disabling injuries occur…

Continue