Insurance Blog of Chris The Insurance Man - Nevada - Arizona - New Mexico - Texas

  Understanding Term Life in Las Vegas Nevada I'm asked what is the difference between term and permanent Insurance. Clients often ask, "Which form of life insurance should I purchase?”  I explain that a needs analysis is required that will determine your goals, future finances, desires and budget. Compounding personal information will create a clear life insurance direction, that will protect your family. Many Las Vegas Nevada insurance agents will argue clients should purchase term life insurance. Others will argue clients should purchase permanent life insurance. Both solutions are great life insurance products, however term or permanent must fit correctly. By purchasing the correct life insurance product, a client can evaluate his or her life insurance annually and determine if change is required. Term life insurance is "A financial contract that provides a specified death benefit with no cash or equity. The guaranteed premium remains constant for a specified "

  3535 Executive Terminal Drive Henderson Nevada 89052  702.763.3590 We live in a society where people gain an education, become married, purchase a home, have children, enjoy life, and retire. Throughout life we must understand that goals, visions, desires can be sidelined by death, sickness, tragedies and more. We as humans will focus on the bright side of life, often fail to recognize the dark side of life. A certain mindset we must understand is life preparation. For example, preparing for an untimely death, loss of employment, financial distress and/or injuries. While a perfect world is desirable, it isn’t reality. Several resources exist while preparing for life’s unforeseen events. Life insurance is by far the simplest method for life preparation. However, what is life insurance? What is life insurance? Life insurance is a financial resource that will provide income assistance should an untimely death or sickness occur. For an untimely death: a married couple typically operate a

  Chris The Insurance Man 3535 Executive Terminal Drive #110 Henderson Nevada 89052 702.763.3590 Creating a small business is an exciting task that will create wealth for generations to come. Planning any business require thought, detail and action. Understanding the type of business and your key market will serve as the base for your business. Considering employees, payroll, business licensing and insurance are vital business aspects. Retail businesses, contractors, professional regulated industries typically are required by law to carry a business insurance policy. Below I will outline several small business insurance policy options. Liability Insurance Liability insurance is designed to protect a business from client and employee law suites. A plumber is hired to fix a leaky pipe. Six months later the house is flooded resulting in negligent work by the plumber. An employee endures an ankle injury at a local bakery. The injury occurred from spilled cake batter in the kitchen. These i

  Advanced Insurance Resources 3535 Executive Terminal Drive Suite 110  Henderson Nevada 89052 SUBMIT YOUR CONTACT INFORMATION We provide Landscaping insurance in all neighboring Nevada communities. Reno Nevada, Las Vegas, Nevada Sun Valley, Nevada Elko, Nevada Henderson, Nevada Construction projects aren’t complete without proper landscaping procedures.  A Nevada home or commercial property can’t speak character without an exquisite curb side view. Landscaping is the final touch when maintaining the beauty of any property. A front lawn is an introduction to visitors such as family, friends and clients.  Landscapers are talented professionals, helping property owners build value and equity. While landscapers help with a property’s presentation, landscaping contractors are subject to potential lawsuits should damages or an injury occur. Job related injuries are common in the landscaping industry. For example, an employee suffers an eye injury from flying debris. An employee endures an

  The Nevada Health Link partnered with five health insurance carriers this year. Anthem (Blue Cross Blue Shield), Ambetter, Health Plan of Nevada, Friday Health Insurance and Select Health. We're contracted with Anthem, Ambetter and Friday Health Insurance. Each carrier will provide plans under a HMO or EPO network. The past five years Nevada offered only HMO plans. Consumers complained about the lack of options regarding health insurance. In result, the Nevada Health Link now offer EPO plans.  In this article, I'll explain the difference between all three health insurance networks. HMO, EPO, and PPO (which isn't offered via the Nevada Health Link.) What is a HMO Provider Network? A Health  Maintenance Organization is a provider network with it's own Doctors and Hospitals. HMO health plans are restricted to it's own network. One is free to find a primary care physician, however a referral is required for a HMO network specialist. With such restrictions, typically a

    Advanced Insurance Resources 3535 Executive Terminal Drive  Henderson Nevada 89052 Nevada Health Link - Health Insurance Market Place Health Insurance is a difficult subject for many, yet not realizing the topic isn’t difficult. With any form of insurance education is essential before any purchase. The problem with health insurance is lack of education. Without proper health insurance education, an individual may purchase insufficient health insurance when visiting the Nevada Health Link health insurance market place. With an array of health plan options, a family or business must understand the basics. Health insurance is designed to protect individuals during catastrophic illnesses or major accidents. Additional coverages such as wellness screenings, primary physician care, urgent care, prescription medication are available.  Furthermore, your health insurance policy will include inpatient coverage (inpatient referral to hospital admission) and outpatient coverage (outpatient r

  Nevada Health Link Open Enrollment 2021 Health Insurance open enrollment is an annual event governed by the Center of Medicare Services.  The affordable care act known as Obamacare became law in 2010, allowing all Americans access to health insurance. The affordable care act prohibited health insurance companies from denying health insurance to consumers with pre-existing conditions. Previously, health insurance companies would deny customers with health challenges that genuinely required health care.  Yet a solution was created to give everyone the right to health care. Giving health insurance to every American require proper education when searching for a marketplace health insurance plan. The government, insurance professionals, media sources, all advertise marketplace health insurance. However, many fail to educate the consumer. Obtaining a health insurance marketplace plan is a step by step process. While, many components are important, I’d like to focus on some basic concepts t