Life Insurance

Life insurance is important for anybody with dependencies and

that person would like to purchase this policy. Same like other insurance policies, this policy also has some extra options, which are helpful for increasing your premier at the time of claim. Many consumers know that they should buy an insurance policy with extra options, this happens mainly to smart customers. Brokers and advisors of insurance policy will tell you that you must consider indexation, premiums, and illness for any life insurance policy. However keep this in mind that insurance policies and coverage for these insurance policies is different for different insurance companies. If you want that, your total sum of insurance primer increase along with increasing inflation then you can add indexation in your insurance policy. With the help of this, you can protect your power of buying to increase the sum. Your insurance policy will calculate every year amount of money, which needs to increase in your coverage policy according to inflation, after this calculation your company; will adjust your monthly premium accordingly. 


If you are getting life insurance with mortgage cover then you cannot avail or apply for indexation. A waiver of premium is another extra option, which will be beneficial for you to increase your insurance policy premium. With the help of this option you will get payment for unfortunate events like you were ill or you are jobless due to which you cannot work and get money then your company will pay you in this situation. If you will avail this extra option, it will not charge you extra or it is not so expensive and it is much helpful for you in times of financial difficulties. Illness coverage in critical condition is another extra option, which you can add in your life insurance policy to get extra premium. If you will add this option into your insurance policy then you can claim premium and your insurance company will pay you in critical illness. There is a list of critical illnesses with every company have and these companies have their own rules and regulation related to critical illness. For example, these illnesses include AIDS, Alzheimer's, lung disease, heart surgery, heart attack, multiple sclerosis, cancer, deafness,Parkinson's diseases, diabetes, stroke, liver failure, and many others. 

If you will combine this additional option of critical illness with your life insurance policy, it will make your policy much cheaper with extra and great premium. However if you would purchase this critical illness then you will get a great amount of coverage. If you have added this extra, option in your life insurance policy and at least get once in, your life for illness then you will not get anything or premium related to this when you will pass away. After getting a premium for your illness policy, this will finish. Anyhow, if you want that you get for illness after getting one time then you have bought another policy for this purpose. This policy will provide you more than one time your illness premier.

How to get the best insurance

How to get the best insurance

insurance tips: Have your current insurance policy with you when requesting your insurance quotes. Consider a higher insurance deductible. Place all of your insurance policies with the same company to qualify for

a multiple policy discount. For car insurance quotes Be sure all vehicle discounts are applied (Anti-lock brakes, Alarm system, daytime running lights, vin-etching, etc.). Take a defensive driving course. Be very accurate about your mileage to and from work. Ask about affinity discounts. For a homeowners insurance quotes Be sure that your home is insured to its value Be sure all home discounts are applied (Alarm, smoke alarms, fire extinguishers, dead bolt locks, etc.). If your older home has been renovated, tell your agent. For a life insurance quotes Consider level premium term insurance. If you are a smoker, quit for at least 13 months and request that your insurance company consider you for a nonsmoker insurance rate. For a health insurance quotes Consider a higher co-payment or deductible. Join a group health insurance plan. For a long-term insurance quotes Consider a longer elimination (waiting) period. Purchase coverage when you are young (premiums are lower). Pick a daily benefit based on where you live.

Health insurance company preys upon the poor with junk food reward program for vaccinating your baby

(NaturalNews) "Will vaccinate my baby for food!" That seems to be the goal of a program launched last year by the UnitedHealthcare health insurance company of Michigan. It has resorted toenticing parents with junk foodto convince them to inject their infants with potentially deadly vaccines containing brain-damaging chemicals. This has been revealed in a letter acquired by NaturalNews and signed by Stephanie Esters, a vaccine-pushing RN who works for UnitedHealthcare.

The letter declares "Get a FREE $20 McDonalds, Rite Aid, Target or Meijer Gift Card when your child gets recommended shots before their second birthday." It even goes on to offer a "FREE ride to the doctor" for those who are so poor that they don't own cars.

Childhood vaccines, of course, are loaded with extremely toxic chemicaladjuvants-- chemicals designed to causeneurological inflammationin order to invoke an immunological reaction. Vaccines also contain bothmercuryandaluminum, both of which are highly toxic brain poisons. This is why many children who are injected with such vaccines becomeautisticvirtually overnight (their brains are poisoned beyond their biological threshold).

While the fundamental science of inoculation is debatable, the adding of neuro-toxic chemicals to today's vaccines -- which are then injected into children in huge numbers (over 100 vaccines given to a typical child) -- turns them intochemical weaponsbeing used to medicallyassaultinnocent children. Marrying this chemical weapons program with a junk food incentive program is the height of medical stupidity. It makes about as much sense as eating fried chicken to cure breast cancer (http://in-p.blogspot.com/p/susan-g-komen-for-cure-makes-mockery-of.html).

Such a program obviously targets lower-income families which tend to be predominantly black or Latino, according to national statistics. The RN behind this nauseating vaccinate-for-food campaign isStephanie Esters, an African American woman, demonstrating theblack-on-black medical violencebeing committed against African American children in America every day.

Rewarding vaccines with toxic junk food?

Perhaps the most outrageous part of this entireeugenics schemewhich may have already killed an unknown number of little black babies is that therewardfor being injected with neurologically-damaging chemical vaccines is a gift certificate fordisease-promoting "dead" junk food.

It's clearly an encouragement for parents to feed their babiesobesity-inducing junk foodthat will also promote diabetes (rampant among blacks), prostate cancer (super deadly among black men) and breast cancer (a huge money-maker for the criminal cancer industry which preys upon black women). Wash it down with a cocktail of phosphoric acid and aspartame -- also known as a "diet soda" -- and then give yourself even more cancer and heart disease with some fries!

This is what United Healthcareencouragesits customers to do? Are they so stupid that they do not realize such eating habits willincreasethe health-related claims against their own company?

Obviously, if UnitedHealthcare actually wanted toimprovethe health of low-income children in Michigan, they would reward them witha bottle of nutritional supplementsor superfoods. Give the kid some organic CocoChia bars from Living Fuel! Or buy some Boku Superfood for the family!

But no, the reward for being injected with chemical vaccines ismore chemicalscourtesy of the hormone-injected, antibiotics-laced, GMO-fed toxic processed beef garbage sold by McDonald's. Did you know their Chicken McNuggets are made with a silicone chemical that's also used in Silly Putty? (http://in-p.blogspot.com/p/anti-foaming-agent-found-in-chicken.html)

Find more details about that -- and a couple hundred more astonishing facts about food -- at ourAmazing Food Fact Machine:http://in-p.blogspot.com/p/grocery-stores-give-food-discounts-to.html

Vaccine incentive programs increasingly prey on those living in poverty

The most disturbing trend in vaccine marketing today is that grocery stores and pharmacies are now resorting tomarketing gimmicks and giveawaysto entice parents into injecting their children with potentially deadly vaccines.

Safeway stores, for example, recently announced a 10% discount off grocery purchases for those who agreed to be vaccinated on the spot. (http://in-p.blogspot.com/p/grocery-stores-give-food-discounts-to.htm) NaturalNews also caught Walgreens stores rewarding their own employees withiPad prizesif they "recruited" customers to get injected with a vaccine shot. (http://in-p.blogspot.com/p/grocery-stores-give-food-discounts-to_25.html)

This is all part of thevaccine eugenics agenda, of course, which specifically targets minorities and low-income families. Obviously a well-to-do family isn't going to be enticed by $20 worth of McDonald's junk food, but a poorly-informed mother living paycheck to paycheck -- just barely scraping by on government assistance programs -- may be more than willing to trade the health of her child for a $20 meal at McDonald's. Especially if all the nurses and doctors assure her that vaccines are good for her children... and vaccinesnevercause autism, she will be told.

The whole point of vaccines is, of course, todepopulate the planetthrough infertility side effects or direct mortality of those receiving the vaccines. This has been openly and unambiguously admitted by the No. 1 financial contributor to vaccine research around the world -- Mr. Bill Gates. In an open, public speech recorded on video, Mr. Gates explains that vaccines can help reduce world population.

Specifically, his exact quote is:

"The world today has 6.8 billion people... that's headed up to about 9 billion. Now if we do a really great job on new vaccines, health care, reproductive health services, we could lower that by perhaps 10 or 15 percent."(http://in-p.blogspot.com/p/grocery-stores-give-food-discounts-to.html)

Watch the video yourself at NaturalNews.TV:

http://in-p.blogspot.com/p/grocery-stores-give-food-discounts-to_25.html

Kids who get sick the most are the same ones who were vaccinated

Here's another thing everybody needs to know about children and vaccines: The healthiest children you'll ever meet are the ones whose parentsrefuse to vaccinated them.

Nearly all the sick kids are the very same ones who have been injected multiple times, poked and prodded by pediatricians, and whose parents follow "conventional" medical advice about avoiding vitamins and putting their children on medication. These are the sniveling, sneezing kids who areplagued by allergiesand autoimmune disorders. They're the kids who get diagnosed with brain tumors at age 9, or who end up with type-2 diabetes in their twenties. The toxic load of all the vaccines and medications -- combined with the total lack of real nutrition and mineralization -- puts these kids on track to betotal medical police state slavesfor the rest of their lives.

And that's the way the medical police state wants it, of course: Everybody sickened, helpless, victimized and lacking even the cognitive awareness to know what's happening to them. Today's vaccine rewards programs promote this outcome by pushing both toxic vaccines and disease-promoting junk foods at the same time: "Here, poison your babies and win a free meal!" It's sickening.

Here's the full letter sent to parents from Stephanie Esters

Click here to see original photo of the letter:

www.NaturalNews.com/gallery/articles/vaccine-bribes.jpg

UnitedHealthcare

Great Lakes Health Plan

Get a FREE $20 McDonalds, Rite Aid, Target or Meijer Gift Card when your child gets recommended shots before their second birthday.

Dear Parent or Guardian:

Your child is not up-to-date with shots that your child needs BEFORE turning age two years. All shots are FREE.

Please call your child's doctor right away or take your child to the local health department. It may take more than one visit to get your child caught up with his or her shots.

Need a FREE ride to the doctor or health department?

Just call 1-977-892-3995 at least 4 days before your visit.

When your child gets shots, remember to bring your child's UnitedHealthcare GLHP Member ID card, mihealth Member ID card, shot record and this letter.

How do I get my $20 McDonald's, Rite Aid, Target or Meijer gift card?

Just take this letter with your child to the doctor or health department. Present the backside of the letter. Get the missing shots. Your child must be eligible with GLHP at the time the shots are given. Have the staff at the doctor's office or health department sign the form on the back of this letter. Then mail the form to us. We must get this form back no later than 30 days after your child's second birthday. You will receive your gift card in the mail once we receive proof that your child got the shots.

Best wishes for a healthy future,

- Stephanie Esters, RN

Stephanie Esters, by the way, can be reached atsesters@uhc.comor 248-331-4369.

Stealing your baby's blood?

Esters is also involved in achild blood screening program. In a canned YouTube video that is obviously scripted word-for-word (so fake!), she insists they are taking childrens' blood for "lead screening" (http://www.youtube.com/watch?v=apZhylyJEjo).

Alex Jones fromwww.InfoWars.comhas warned for years about the theft of genetic material from babies. We've also reported it here on NaturalNews.com:http://www.naturalnews.com/028651_government_DNA.html

The truth is that medical personnel across the country are routinely engaged in thetheft of your baby's DNAto be used in a government database. This isn't some wild conspiracy theory; it's a widely-acknowledged fact. Those who have never heard about this simply haven't been in the loop. It's openly admitted. All sorts of lawsuits have been filed over this, and you can read up on the issue at theCitizens' Council for Health Freedom:http://www.cchfreedom.org/issue.php/14

Blood money

UnitedHealthcare also uses McDonald's gift certificates to entice parents into allowing their children's blood to be taken. As explained in the company's own literature:

LEAD SCREENING: United-Healthcare Great Lakes quality outreach staff will call you when your child needs to get his or her second lead screening. ...Have the form signed and send it back to us. We will send you a Target or Mcdonald's gift card. Your child's name will also be entered in a monthly drawing for a $150 MasterCard gift card.

Source:http://www.uhccommunityplan.com/assets/Medicaid-UHC-GL-Winter-2011-Me...

That same document offers a chance to win a $150 MasterCard gift card if you make a second appointment with your doctor after becoming a new mom:

"POSTPARTUM CARE: If you have your postpartum visit on time, you can get another Target gift card. Your name will also be entered in a monthly drawing for a $150 MasterCard gift card. Call your OB doctor's office right after you deliver your baby."

It is in these follow-up visits, of course, that vaccines are aggressively pushed by medical staff. Across the nation, women who refuse to vaccinate their children may have both the police and Child Protective Services called to intervene and threaten to steal away their children (http://www.naturalnews.com/034684_pediatricians_child_protective_serv...).

Learn more:http://in-p.blogspot.com/p/health-insurance-company-preys-upon.html 

Struggling to Pay Medical Bills

Many Americans Struggling to Pay Medical Bills

By ANN CARRNS

All eyes will be on the United States Supreme Court next week as it hears arguments in the challenge to the Affordable Care Act. But while debate over health care reform swirls in the political arena, roughly a third of Americans are in families struggling in some way to pay medical bills, a recent study finds.

The study on the financial burden of medical care, published by the federal Centers for Disease Control and Prevention, is based on responses to the National Health Interview Survey for the first six months of 2011. The study is based on personal interviews with more than 52,000 people.

The findings aren’t too surprising, considering that other recent research finds that the proportion of Americans with health insurance fell during the recent recession.

The C.D.C. analysis found that about a quarter of children age 17 and under were in families struggling to pay medical bills. The likelihood of being in a household unable to pay bills decreased with age, the study found. Just 7 percent of adults age 75 and over were members of such families.

The survey asked participants about whether they had problems paying any medical bills over the last 12 months, whether they were paying any medical bills over time and if they had any medical bills they were unable to pay.

Have you had trouble paying medical bills recently? How are you planning to handle the costs?

Health Insurance Plans

More choices for better health

Copay

    Convenience and comprehensive 

coverage combined

Copay insurance plans from UnitedHealthcare's Golden Rule Insurance Company, underwriter of UnitedHealthOne plans, offer many of the same features, benefits, and qualifications as traditional employer insurance plans.

Copay insurance plans:

o    Require a set fee for office visits with no copay for preventive care visits to your Preferred Network doctor

o    Cover 100% of your history and exam costs after copayment (subject to all policy provisions)

o    Usually include prescription drug card benefits

Golden Rule covers inpatient and outpatient medical expenses. A Golden Rule Copay insurance plan may be right for you if you:

o    Prefer the convenience and predictability of copayments for routine health care expenses

o    Have young children with regularly scheduled doctor visits

o    Want copayment benefits for prescription drugs

Health Savings Account (HSA)

·         Take control of your health care dollars

Health Savings Accounts (HSA) from UnitedHealthcare's Golden Rule Insurance Company, underwriter of UnitedHealthOne plans, combine a lower-cost, high deductible health insurance plan with a tax-favored savings account.

HSAs allow you to:

o    Deposit the money you save on premiums into your tax-favored health savings account (HSA), subject to federal limits

o    Use these savings to pay your qualified health care expenses until you meet your deductible

o    Have insurance start paying your covered health care costs once your deductible is met

o    Let your unspent savings roll over year after year and earn interest

Golden Rule HSAs may be right for you if you want:

o    More control over how your health care dollars are spent

o    One calendar year deductible per family

o    Lower monthly premiums

o    Tax savings

      High Deductible

         An economical way to protect your health

Some people prefer to pay a higher deductible, knowing that subsequent covered expenses will be paid by their insurance plan.

With high deductible insurance plans from UnitedHealthcare's Golden Rule Insurance Company, underwriter of UnitedHealthOne plans:

o    Your deductible is higher than other insurance plans, but your premium is lower

o    You take responsibility for covering any minor or routine health care expenses until your calendar year deductible is met

o    Once you meet your deductible, your covered health care costs are paid by insurance*

A Golden Rule High Deductible Insurance plan may be right for you if you are:

o    Willing to pay for routine health care expenses in exchange for lower premiums

o    An early retiree needing a bridge to Medicare

o    Looking for protection from unexpected accidents or illnesses at a lower cost

        Short Term Medical

·         Bridge the gaps in health insurance coverage

When a life change leaves you without health insurance, you need coverage to get you through the transition period securely and confidently.

A Short Term Medical^SM insurance plans from UnitedHealthcare's Golden Rule Insurance Company, underwriter of UnitedHealthOne plans, can:

o    Help smooth a life transition by making sure you're never without insurance coverage

o    Offer optional periods of coverage from 1 to 11 months.*

A Golden Rule Short Term Medical insurance plan may be right for you if you are:

o    Between jobs or unemployed

o    A young adult finished with school, or a student no longer covered under a parent's insurance plan

o    An early retiree

o    Waiting for other coverage to begin

We offer a range of deductibles, payment options and lengths of coverage. You can also drop your Short Term Medical coverage at any time without penalty.

    
    Student Coverage

       Don't worry about the future. Prepare for 
it.

You're young and healthy. Why should you care about health insurance? Because just one accident or serious illness could jeopardize your academic plans, along with your future.

UnitedHealthcare Student Coverage offers:

o    Coverage for essential medical services year-round, on- or off-campus

o    Coverage from a leader in the student health industry, backed by the strength of United HealthCare Insurance Compan