Insuring Children - Considerations for Parents and Grandparents

Insuring children lives are often overlooked. Parents and grandparents must consider insuring the life of children in their care. While the parents and grandparents must make sure that their lives are insured first and foremost, if funds are available to insure the children, the children lives need to be insured.

The insurance premiums for life insurance for children tend to be very reasonable because of their long life expectancy. However, tragedies and accidents can and do occur everyday. And, no one wants to have to take up a collection or draw down savings to bury a child. Therefore, what amounts to less that dollar a day, you can have a whole life policy on your child that build up cash value and one that the child can maintain at a low premium once he becomes self-reliant.

One other matter to consider is that if the child become uninsurable and the existing policy is in force, it can not be cancelled by the company.

Medicare and Medicaid Are Not Government Controlled Health Care

Medicare and Medicaid are not government controlled health care. For people to talk sensibly to each other there must an agreement on what the terms in question mean. The term government controlled health care means that government can dictate the type and quality of care you can receive.

Under Medicare and Medicare, the government does not dictate the type and quality of health care you receive. Rather, the government merely pays the provider (doctors, hospitals, home health care agencies, etc. ) for the type and quality of health care you receive. You choose the provider you want to take care of your health care needs. Its up to the provider to decide whether they want to participate in Medicare and Medicaid. Fortunately, in most locales there are enough providers.

The politicians who try to make this argument are just trying to be deceptive and misleading. They know better. And, if they don't, they are just as pathetic and the ones who are just trying to fool you. The seniors who have seen through this are right in telling their representatives and senators what their concerns are.

The seniors as of now still have the option to choose a Medicare Advantage Plan which provides all of their health care benefits in additional to other significant benefits designed for prevention.
This is being threatened by the current Administration and the Congressional majority. The Medicare Advantage Plans must remain an option for seniors. The Annual Enrollment period for Medicare Advantage Plans are coming soon. As of November 15th, seniors can begin enrolling in these plans to get their health care and prescriptions taken care of.

Let me know what your questions and comments are.