INSURANCE TIPS

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

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