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Health & Life

Deciding what health insurance options might be available to your Oregon Regence BlueCross BlueShield Health Plan?

May 3, 2012

Purchasing health coverage has three components in the decision making process; price, network and benefits. Price because we don’t want to pay more than we need to. Network as you may be limited as to who you can see for a health issue. Benefits because you need to know if your financial exposure to a [...]

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Does your life insurance policy have an Accelerated Death Benefit rider?

April 10, 2012

When reviewing term life insurance options you want to make certain the policy you consider includes what is termed an “Accelerated Death Benefit Rider”. This benefit provides that if  the policy holder  is diagnosed as terminally ill they will be allowed to take an advanced payment of a portion of a the policy’s death benefit [...]

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Should you purchase travel medical insurance? Why you need to consider it.

April 2, 2012

Most of us like to insure things like trip cancellation, lost luggage and emergency expenses but not all think to purchase extra medical insurance. Do you know for sure what your medical insurance will cover when traveling to foreign countries? Possibly not as much as you think. In the event of an emergency, your health [...]

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Frequently Asked Questions of Life Insurance

February 10, 2012

Q: What is Permanent Life Insurance? A: Whole Life and Universal Life are examples of Permanent Life Insurance policies. These insurance policies can be structured to last your whole life, while building cash value. Because permanent policies are structured to last a lifetime and build cash value, they are more typically more expensive than term [...]

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As a Small Employer, What Do I Need To Know About Getting Group Health Insurance?

April 8, 2011

In Oregon, a small employer is eligible to apply for group health insurance if they have at least two employees on payroll (counting the owner) working at least 17.5 hours per week. If only one of the employees works full-time, then it is possible to get a group plan to cover only the one eligible [...]

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