Why Is Insurance Necessary for Financial Security?

            Families are stronger when they have sufficient insurance, and strong families strengthen communities and nations. I put together a chart showing the different types of insurance that are essential for the financial security of families. I hope that it is helpful for you to understand the importance of carrying adequate insurance.

 

       Insurance Type                Who Needs This?         When Do They Need It?

Homeowners Insurance	Anyone who purchases a home or has property to protect.	Before signing the loan when a home or property is purchased.
Renters Insurance	Anyone who rents an apartment, house, or storage unit and has items worth a lot of money. Sometimes when renting a car	At the beginning of the rental period and even while moving in and cancelled after moving out. Before driving the car.
Life Insurance	Anyone who has someone who is dependent on their income or labor, including breadwinner and stay-at-home spouse.	As soon as they have someone who is dependent on their income or labor.
Auto/Car Insurance	Anyone who owns a vehicle. Full coverage for newer cars and eliminate comprehensive and collision for older vehicles.	Insurance should be purchased as soon as a new or used vehicle is acquired.
Health Insurance	Anyone who is over 18 years of age and is not covered under their parents’ insurance.	At age 18 or when other coverage ends.
Disability Insurance	Anyone who depends on earned income or has someone dependent on their income.	When they start working and earning an income. Risk of disability higher than risk of death.
Long-term-care Insurance	Anyone who is concerned about long-term-care expenses.	While healthy and working or at time of retirement.

 

Health Care Bill

Nancy Pelosi, Speaker of the House of Representatives, released the Democrats' 1990-page health care proposal last week. It is 620 pages longer than the government-run plan proposed by Hilary Clinton in 1993. House Republican Leader John Boehner used only 568 words to tell us what is wrong with the Democrat plan (Byron York at www.washingtonexaminer.com/opinion/blogs/beltway-confidential/Gop-on-health-care-In-568-words…). The basic reason he gave: "It'll require thousands of new federal employees. It'll put unelected boards, bureaus, and commissions in charge of who gets access to what drug and what potentially life-saving treatment." Boehner offered four good proposals for improving American health care. They are: 1. "Let families and businesses buy health insurance across state lines." This would bring instant competition and quickly lessen the cost of insurance. 2. "Allow individuals, small businesses, and trade associations to pool together and acquire health insurance at lower prices, the same way large corporations and labor unions do today." This too would lower the cost of health insurance. 3. "Give states the tools to create their own innovative reforms that lower health care costs." This would allow states to exercise authority under Amendment 10 in the Bill of Rights: "The power not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people." 4. "End junk lawsuits that contribute to higher health care costs by increasing the number of tests and procedures that physicians sometimes order not because they think it's good medicine, but because they are afraid of being sued." This simply makes good sense! Boehner said that these plans were first released in June and that at least eight bills have been introduced in the past six months that would implement this blueprint (healthcare.gop.gov), but the Democrats refuse to pass the bills. The people of the United States have indicated over and over that we do not want this new health care program that is being forced upon us by the Democrats. The Republicans have offered alternate ideas that would solve the main health care problems in our nation. The Democrats wrote a program that takes 1990 pages to do the job they want to accomplish. I heard a comparison that I would like to share, but I might get some numbers wrong. The United States Constitution was written in four pages. The Declaration of Independence took one page. Amendment 19 that gave women the Right to Vote took one page. The Emancipation Proclamation which freed the slaves took fewer than ten pages. The Social Security bill was written in sixty pages. It is my belief - and that of many other people - that this big deal about health care reform is not even about health insurance but a ploy to gain more control over the people of this nation. The revolution that is taking place in the United States is all about destroying the nation as we know it in order to bring about a "reformation." The revolutionists must destroy the economy of our country before they will have the power to reform it. This health care reform being rushed through is all about power and control. Those who want this bill to pass want to have total control over the people of this nation. This is what the big rush is about. They are trying to get this bill through while they are in control of the legislature - before we can vote some of the bums out! Please make sure that your representatives in Congress know that you want them to vote NO on this reform. Make sure that they know that you understand this health care reform bill is unconstitutional. Please, please, do not take your Rights and Freedoms for granted. Do whatever you can to defend and sustain the Constitution.