So you’ve made the decision to get some life insurance, and you’re looking to buy term life insurance online. Luckily the Internet is one of the best places to buy any form of insurance, and term life insurance is no different.

You can often get discounts on insurance online, because this is the preferred purchase method for both customers and insurance companies. Before you do purchase online however, do take some time to go over the small print of the policy, and make sure you are aware of everything involved.

Getting plenty of quotes is an excellent way to ensure that you get the best term life insurance deal, and there are plenty of websites that allow you to compare the rates of various policies. You should be careful to note any costs that might be hidden. The Internet is a great place to simplify things, but don’t get carried away by what initially appears to be the cheapest deal. Insurance policies always have plenty of fine print, and conditions which you need to be aware of.

It is also a good idea to search for feedback about the company you are considering dealing with. Independent testimonials and word of mouth are excellent ways for gaging the reliability of a company, and how easy they are to deal with. You might be purchasing your insurance online, but at some point you may have to contact them more directly, so before you decide on a company, it is a good idea to call their assistance number and test out their customer service skills.

Buying life insurance is a big step, and purchasing it online is an excellent and convenient way to save money and time. There are many satisfied customers out there who have made similar purchases, so you are in good company. Making sure that you are comfortable with the policy and with the insurance company are important steps to making sure that you have a good experience buying term life insurance online.

View our Recommended Life Insurance Company This site is simple and easy to fill out a quote and has a lot of great info about Home Insurance and Affordable Health Insurance

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Have you ever received a bill from your doctor and stopped breathing? Have you wondered why you are receiving a bill when you have medical insurance? Have you asked the question, why am I paying this astronomical monthly payment?

MEDICAL BILL:

When you receive a medical bill from any provider; example, doctor, hospital, lab or x-ray is it paid correctly? Has any payment from your medical insurance been paid to your bill?

When a payment has not been paid or very little and you call and speak to a representative from you medical insurance company and the doctor’s office, what is the next step?

If you’re medical provider is going to appeal your bill or claim, great. Just make sure they follow through in a timely manner. Some appeals are time sensitive.

If you’re medical provider says it is your responsibility to appeal your claim keep reading.

APPEALING YOUR MEDICAL BILL:

1. Write a letter and explain why you feel your claim was not paid correctly or was not paid.

2. Make sure you have your name, address, city, state, zip code and telephone number on your letter.

3. The name of the person insured on your insurance plan. (Guarantor)

4. The name of the person that was seen by a provider.

5. The date of service the medical care was obtained.

6. The place of service the medical care was obtained.

7. Attach a copy of your explanation of benefits (EOB) you received from your insurance company.

8. Attach any correspondence you received from your insurance company prior to receiving the final explanation of benefits.

9. Attach a copy of your medical insurance card.

10. Attach a copy of all your medical records pertaining to this date of service. Include x-rays, lab slips, anything that will present your case completely with one viewing.

SECRET:

Insurance Companies need your date of service and place of service. This is how they track all your medical care by each individual provider.

Example:

You were seen by your doctor that morning in her office. That afternoon you were admitted to a hospital. Now you have two different providers on the same day.

Try to make your presentation as professional as possible. The person that will be reviewing all your information will expect to see your entire case presentation in one sitting.

If the appeal board needs more information from you, they will probably send you a letter or phone you.

EXCEPT:

You will not win an appeal if your deductible or co pay was not met. Another denial is a non-covered service. With this denial your medical provider can help you make a decision before you go through the entire appeal process.

Sometimes this is not entirely true and an appeal would be perfect.

So I say go for it. Appeal your claim. Pour your emotions and passions out in your letter to the appeal board.

If you do not have a computer to type your letter hand write it. Just make your letter legible. Sometimes a hand written letter is more effective.

MEDICAL CARE FOR ALL PEOPLE.

I hope your enjoyed my article. Please check out my other articles. I love to hear from you.

Copyright 2006 Linda Meckler

Linda has worked in the medical insurance field for many years.

Currently she is the author of the adventure, “Ghost Kids Trilogy,” Christy, 12 and her Brother Brad, 16 move into an old house on top of a mountain and meet two Ghost Kids. Become involved with all the characters and all the adventure and mystery.

Then we have a mysterious, magical Blue Vase where Uncle Charlie the villain is trapped.

Take a walk with Christy and Brad down a dark hall hunting for Pirates” Treasure. You will think were you there right there with them. Love, Family Values and Charity burst off the pages.

Check out my website http://www.lmeckler.com

If you are wheelchair/bed confined or can’t sit on a toilet, you can stand and urinate. Check out my website

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Your friendly, neighborhood life insurance agent is most likely to answer this question with the word “everybody.”

The fact is, not everybody does need life insurance. If you don’t have a family, you probably don’t need life insurance unless, of course, you’re a really nice person and just want to leave some money to a friend or a charity.

If you do have a family, the question isn’t do you need life insurance. The question is how much do you need?

A life insurance sales representative may want you to apply some kind of formula. In years gone by, he or she might have told you that you need to buy insurance equal to four times your annual salary. So, if your annual salary is $50,000, you might have been told you need at least a $200,000 policy. Today, the same agent might tell you that you need eight times your annual salary or a $400,000 policy.

In most cases, this is probably too simplistic an approach, as it tends to assume that you are your family’s sole provider.

Today, there are a number of other factors that should be taken into consideration. Does your spouse work or is he/she a stay-at-home mom or dad? Are you a single mother or father? And where does that put you? How old are your children? Will your surviving spouse be raising kids for three years or 15? If your spouse works, how much does he or she earn? If something should happen to you, is there family nearby that could help raise your kids or is the nearest family 1,000 miles away?

Let’s take a hypothetical example. Jim W. is 45 years old, earns $75,000 a year and has two kids age 15 and 17. Jim’s wife, Martha is 43 and earns $50,000 a year. Jim and Martha believe their kids are college material. How much life insurance does Jim need? Let’s assume $25,000 a year times the two boys, times four years. That’s $200,000. Jim also wants to make sure Martha lives comfortably for the rest of her working life and figures she’ll need an additional $25,000 a year to do this. Multiply this $25,000 by 22 and that’s $550,000. Add this to the cost of the boys’ college, and Jim needs at least a $750,000 life insurance policy … and that doesn’t include anything for Martha’s retirement!

Now, compare this to Beth who is the single mother of a boy, Robbie, age eight and a girl, Kinsey, age 12. How much insurance does Beth need? There’s no spouse but if anything happens to her, the kids will go to her sister, and the sister will need financial help. So, assume $10,000 a year to the sister for 16 years — $160,000 - plus college for the kids at $200,000. This adds up to a policy of maybe $360,000. See the difference that circumstances can make?

Before you purchase a policy, sit down and figure out who will need to be taken care of, for how long they will need the help and, realistically, what that help should consist of. If you die this should not be like winning the lottery for your survivors. Don’t buy so much insurance that you will be really strapped for all those years before you pass on.

The next step is to do some comparison-shopping. Different insurance companies often quote different rates on just about the same coverage as they tend to rate risks differently. You should also look at the cost of term vs. cash value life insurance. Many experts believe that if you’re young, with young kids, your best bet is a term policy as it costs less, yet can offer good coverage. For example, if you’re 35 and in good health, you can probably buy a $500,000, 10-year level term polity for less than $300 a year. And a 20-year, level-term policy might cost you no more than $400 a year.

You might also save money on the term insurance by buying more than one policy. For example, if you have two children, one age 12 and one age eight, you might consider buying a 10-year, level term policy to take the 12-year old through college, and a 20-year term policy to cover the eight year old through college.

Finally, you can get quotes on term insurance and even buy it without ever seeing a life insurance agent. There are a number of web sites where you can do this, including quickquotes.com, reliaQuote.com and intelliquote.com.

It is important to understand that the quotes available from these sites are just preliminary quotes. The insurance company you choose will not provide a firm quote until you have provided all requested information and, in most case, have taken a physical. The good news is that the physical will be done in your home and at your convenience.

Cash value life insurance is a much more complex issue. The best way to get information on it is to sit down with a good, experienced agent who can explain the alternatives available and the costs and benefits of each.

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