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The Benefits of Umbrella Coverage

Your vehicle and homeowners insurance policies provide you with liability coverage for most situations within certain limits. Umbrella insurance offers additional liability coverage beyond what these policies have to offer. Umbrella insurance also protects you from such claims as libel, false arrest and slander which many other policies don’t provide. Here’s a brief synopsis of what you can expect from umbrella insurance coverage.

Liability for bodily injury – pays medical expenses for individuals injured in an accident you cause. This includes injuries sustained from auto accidents, accidents in your home, animal bites, etc.

Liability for property damage – pays for damages to other people’s property due to accidents you are responsible for. This includes damage to someone else’s vehicle, personal belongings, school property, building, etc.

If you own a rental property, umbrella insurance will protect you against liability claims for injuries people sustain on your property. With umbrella insurance, you are also protected from lawsuits due to slander, false arrest, libel, malicious prosecution or imprisonment.

To learn more about umbrella coverage and costs in California contact Save-On Health Insurance Services located in Los Angeles, CA.

Long Term Care Insurance Takes Health Insurance to the Next Level

The importance of health insurance has been getting a lot of attention across the country, and indeed it is important to have good insurance that will help you maintain your health. But even with lots of preventative care it is still possible to experience a long term health emergency or injury that could leave you with expenses that go beyond what your health insurance policy would pay for including care that takes place in your home, a nursing home, or other facility.

It’s tempting to assume that you’ll always be okay if you take care of yourself, but more than 70% find themselves disabled and needing help by the time they turn 80. There’s no way to guarantee you’ll beat those kind of odds. Many factors go into the cost of long term care insurance including the age and state of health or the person getting insurance as well as how much coverage is purchased and how long it lasts. The younger and healthier you are, the better your rates are going to be.

At Save-on Health Insurance Services in Los Angeles, California we’ve spent more than 20 years using our resources to help our clients across the state find insurance that will meet their needs, whether that’s health, life, home, commercial, umbrella or long term care insurance.  To find the right coverage for your specific needs contact Save-on Health Insurance Services today.

Feed Your Mind and Body

If you are looking for healthy meals that benefit your mind and body, here are some choices to try.

  1. Salmon w/spinach & walnut pesto on whole-grain bread or bun. The salmon adds omega-3 fatty acids, spinach adds magnesium (which helps lower blood pressure), and walnuts add melatonin to help you sleep better.
  2. Detox Salad. This salad includes watercress and artichokes to limit bloating and the artichokes also add inulin, a soluble fiber. The celery replenishes your body with water with its potassium and sodium. Also in the salad is red-onion and feta cheese. Toss all in a cucumber vinaigrette.
  3. Boost your Libido with a Stir-Fry. This includes asparagus for vitamin E, beef adds zinc for a testosterone increase, brown rice also enhances the libido, and cashews are a natural aphrodisiac.  Other ingredients are bell peppers, ginger, soy-sauce, and lime juice.
  4. Slim Down with a Blackberry and Banana Smoothie.  Blend blackberries which fill you up and bananas to add fiber with coconut milk that helps shed belly-fat, yogurt to help fight fat, and lemon zest and honey.

We are Save-On Health Insurance Services and we proudly serve the Los Angeles, California area.  For more information, contact us.

Is It Time to Update Your Life Insurance?

If you’ve experienced a major change in your life, you might want to review your life insurance policy. You’ll want to make sure the amount of coverage, your beneficiaries and even the type of policy you have reflect your current circumstances.

You may need updated insurance if:

  • You have a child, adopt or someone becomes dependent on you.
  • Your family’s standard of living has changed since you obtained insurance.
  • A family member requires medical treatment or has special needs.
  • You bought your policy before 2009 (policies before 2009 use outdated mortality tables).
  • You pay off a mortgage or other significant debts.
  • You anticipate significant expenses that were not a factor when you bought the policy.
  • You have started a business venture.
  • You want to change or add a beneficiary.

Before making a change, ask your insurance agent:

  • Do I have enough coverage for my needs?
  • Am I paying competitive rates for someone of my age, health status and financial status?
  • Should I consider a switch between term, whole or universal coverage?
  • Is there any equity in my whole life policy and what will happen if I discontinue it?
  • If I switch to term life insurance, how long should the policy last?

To learn more about life insurance options in the Los Angeles, California area, contact Save-On Health Insurance Services.

Why Life Insurance Is Important for Singles

Many single people incorrectly believe that life insurance is not something they should consider. They may feel like life insurance is for those who are married, have children or who have significant financial responsibilities. That is simply not the case. Here are some very good reasons single people should consider getting life insurance now.

  • Final expenses are expensive. Even a modest funeral can cost $5,000 or more and that is not a burden that a family member should bear.
  • You may have loans that have been co-signed by someone else. If that is the case, your co-signer will still be obligated for that loan.
  • Life insurance is at its least expensive when you are young and in good health. You may be surprised with how much term life insurance you can get for a few dollars a month.
  • Maybe you want to leave a legacy. Life insurance is an affordable way to leave a significant donation to a non-profit organization in your name.
  • Perhaps you are an unmarried parent. If that is the case life insurance can make a significant impact on the life of your child.
  • You have elderly parents that are counting on your assistance as they age. An insurance policy on your life can make all the difference in the world.

If you would like a free, no obligation life insurance quote, contact us at Save-On Health Insurance Services in Los Angeles, California. We can show you how affordable life insurance for a single person can be!

Natural Aids for the Relief of Stress

April is National Stress Awareness month. It is a month designed to recognize the high cost that stress has on our emotional, physical and mental well-being. With that thought in mind, here are some natural stress relievers.

  • Use of Lavender. Lavender is said to have great stress reducing properties and the scent of fresh lavender may even promote better sleep.
  • Avoid sugar and instead have some dark chocolate. Sugar may actually add to your stress level but dark chocolate may actually reduce stress.
  • Get a massage. Massages come in many types so look for a Swedish Massage or Aromatherapy Massage to aid in the relief of stress.
  • Take a bubble bath. Simple, yet effective, a hot bath, especially with a good book and candles can be a terrific stress reliever.
  • Make yourself a chamomile tea. Chamomile is a natural relaxer.
  • Exercise. Working up a sweat can be a great natural way to relieve stress.

If you would like a quote on your health insurance contact us at Save-On Health Insurance Services of Los Angeles, California.

Are You In-the-Know about Tax Deductions?

If you’re not up to date on tax deductible expenses for 2013, now’s the time to increase your knowledge. Many people lose out on money saving deductions due to ignorance of tax laws. Here are a few overlooked deductions you should be aware of.

  • State taxes can be deducted from your federal income tax if you itemize. If your state doesn’t charge a state income tax, you can deduct expenses for state sales taxes instead.
  • Out of pocket expenses for charitable causes such as the cost of travel, food, tickets for school fundraisers, etc. are tax deductible for taxpayers who itemize.
  • Job hunting expenses to include transportation, food, lodging, agency fees, etc., can be deducted from your taxes if you itemize. First job moving expenses can also be deducted if the job is located 50 miles or more from your home.
  • The cost of buying and installing energy saving equipment to your home such as a new heating/cooling system, geothermal heat pumps or wind turbines can be deducted from your taxes. 

For more money saving tax tips or help in choosing health insurance in California, contact Save-on Health Insurance Services located in Los Angeles, CA.

L.A. Exceeding Expectations for ObamaCare Sign-ups

While reports of those signing up for the Affordable Care Act across the country have been spotty and in some cases, disappointing, a recent report in the L.A. Times says that is not the case in Los Angeles County. The paper states that recently released data from the state says that over 200,000 people have signed up for Obamacare in the county. The Times article says that puts L.A. County behind only the entire states of California, Florida, New York and Texas in terms of total enrollment.

California’s total enrollment has passed earlier estimates. Back in mid-February it had reached just over 825,000. There are some areas where the state is not performing so well. Riverside County for example, is said to be at only about 60% of projected sign-ups. Fresno and San Bernardino Counties are also falling behind.

If you have questions regarding the ACA or your current health insurance coverage, contact us. We are Save-On Health insurance Services of Los Angeles, California and we are here to assist you.

The Deadline Changes for Enrollment in Covered CA and Obamacare

The deadline to get health insurance on March 31 has come and gone with many still trying to get a policy. Millions of people tried to access the websites for Obamacare and Covered CA, resulting in many not being able to enroll. The federal administration anticipated the server overload and has extended the deadline for getting coverage until April 15, although it is possible another extension will be added. Anyone who is trying to enroll can check a box that says they tried to get insurance online, but were unable to, qualifying them for the extension.

Covered CA is operating on the same premise that users were unable to get onto the website by the end of the day on March 31, and has created the same extension. California residents have until April 15 to contact a representative at a Covered California Service Center or a certified enrollment counselor to talk about their difficulties and get the extension.

Both the federal government and California state officials were aware that accessing the sites could get difficult, and created the extension as a result.

For help with getting a deadline extension for Covered CA, contact Save-On Health Insurance Services in Los Angeles today!