Guaranteed Issue Health Insurance

Many people are unable to find quality health insurance. For some it is the cost, while for others it is due to pre-existing conditions. Diabetes, high blood pressure, high cholesterol, history of a heart attack, stroke, cancer and obesity are just some of the pre-existing conditions that prevent several million Americans each year from obtaining health insurance. Without quality health insurance, a medical emergency could turn into a financial disaster.

AIM High Risk Medical Insurance provides consumers with valuable at an affordable price.

•Is guaranteed issue and guaranteed renewable
•Pays for doctors and hospitals
•Has no deductible
•Covers you both in and out of the hospital
•Includes out-patient surgery benefits
•Covers pre-existing conditions after one year
•Includes life insurance
•Provides accident benefits

Quotebroker.com offers affordable health insurance plans for all individuals. Use the same tools industry insiders use to shop the marketplace, compare plans and premiums. The service is free and takes less than 5 minutes.

QuoteBroker Endorses Mutual of Omaha

Quotebroker Insurance Services has elected to add Mutual of Omaha products and services to their preferred company list.

With a number of insurance and financial companies in financial trouble, Mutual of Omaha had a record profit year in 2008 and continues to receive industry rating upgrades. Founded in 1909, Mutual of Omaha has a disciplined investment strategy designed to serve their customers well in good and bad economic times. This is primarily due to their very limited subprime exposure.

Beginning June 1st, 2009 QuoteBroker will be offering the following Mutual of Omaha products:

• Life Insurance, Term, Whole Life and Universal Life
• Disability Income Protection
• Long Term Care Coverage
• Critical Illness Insurance
• Medicare Supplement Plans
• 401(k)'s

Fore more information or to receive a personalized proposal, contact QuoteBroker at (800) 783-0802 x 711 or (661) 702-1755

AIG to sell American General Life

During the past several weeks we have all seen tremendous swings in US financial markets, one of which was the bail out of the world's largest insurance companies AIG. As many of you may be insured with AIG's subsidiary insurance company; American General, you may have heard rumors that this company may be up for sale.

Yesterday American International Group, Inc.’s (AIG) CEO announced his plan for the company’s future, which includes the sale of the AIG American General insurers. American General is very well capitalized with significant reserves and continues to be a safe and profitable insurance company. Because of the desirability of American General as an asset, AIG has announced they will sell American General as part of their restructuring. The proceeds from a sale of these assets can be used toward paying off the two-year $85 billion secured credit facility issued by the Federal Reserve Bank in September 2008 to help AIG with its short-term liquidity needs.

If you have an American General policy, you should not panic or be convinced by an agent that "The sky is falling" and cancel your policy. This may not be a wise move as you will need to re-qualify for a new life insurance policy, which will start a new contestability period and you may also be adversely affected financially with any policy "surrender charges".

For those of you looking for affordable term life insurance or health insurance, use an online quoting tool that allows you to shop the market in minutes to locate the best insurance prices for your situation.

Healthcare Reform Unlikely in "09"

The last two weeks financial crisis has Washington insiders expressing their concerns that there will not be any significant health care reform in the next year or beyond. Some political strategists have suggested that we may see "baby steps" or small health reform changes over the next twelve months.

Meanwhile the House Ways and Means Committee has introduced a Health Information technology bill that will encourage insurance providers to invest in electronic systems. These systems will be necessary to better improve the customer and insurance carriers need to provide accurate and vital information. Such a measure will especially be useful in potentially cutting the cost of prescription medications by avoiding over prescribing medications if more than one healthcare provider is used, as well as providing the ability to share information to provide better medical care.

Online insurance broker's have already started to adapt to the new technology wave by allowing individuals the opportunity to shop for affordable health insurance plans online, using the same information systems that were formally only available to insurance insiders. Instantly shop, quote and compare plans online 24/7. There is even a feature to allow you to apply online or download a paper application.