2014 Tax Changes – How Will Affect No Exam Life Insurance Rates?


(PRWEB) March 22, 2014

Topseniorlifeinsurance.com has released a new blog post explaining how the 2014 tax changes will affect life insurance prices.

The 2014 tax changes will not have an effect on life insurance prices. Most taxes will affect health insurance plans. Clients can compare quotes online by visiting an insurance brokerage websites. Since there are many agencies, people can find plans at competitive prices.

Clients can also find information about the new tax changes by calling an insurance broker or by reading specialized articles. Insurance brokerage websites do not sell any coverage, but they can search and gather quotes from the best agencies in the country. Life insurance is an important investment and it is important to know as much as possible about it before purchasing a plan.

Some life insurance plans can actually be used to avoid paying some taxes. One common method is using life insurance as an inheritance, since the benefit is not taxable. Clients can compare many quotes simply by providing a few details about their lifestyle and health. Most insurance brokerage websites do not charge visitors.

Topseniorlifeinsurance.com is an online provider of life, home, health, and auto insurance quotes. It is unique in that this website does not simply stick to one kind of insurance carrier, but brings the clients the best deals from many different online insurance carriers. This way, clients have offers from multiple carriers all in one place, this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://topseniorlifeinsurance.com.







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Foundation Financial Group Celebrates a Culture of Volunteering During Nonprofit Awareness Month


Raleigh, North Carolina (PRWEB) November 21, 2013

Foundation Financial Group joins North Carolina in recognizing and paying tribute to the ways partnering with nonprofits improves both volunteers and communities. Nonprofit Awareness Month is a statewide initiative to raise public awareness each November for the nonprofits that enrich and enliven North Carolina communities.

Nonprofits provide 425,000 jobs in North Carolina and direct about $ 38 billion back into the state economy each year. As economic hardships increase, so does the demand on nonprofit services. Nonprofit Awareness Month is an opportunity to consider how these organizations impact society by delivering essential services to those in need, educating the public, advocating for policy changes, and bringing people together.

Supporting a worthy charity requires more effort than simply writing a check. Foundation Financial Group has partnered with nearly 200 nonprofits and supports both national organizations and local events. The financial services corporation places a special emphasis on active volunteerism by encouraging employees to donate time and talents to the causes that inspire them.

Volunteering is positive on many different levels, said Jana Young, an employee at FFGs Raleigh Regional Sales Center. The smallest action can have a profound impact on others. Our recent clothing drive for Goodwill was a chance for Foundation Financial Group to help people stay warm this winter while bringing the team together.

Foundation Financial Group has focused its philanthropic efforts through initiatives that target education, health and wellness, workforce development, and environment sustainability. The goal of FFGs philanthropy is to enrich communities and peoples lives. Through employee-organized campaigns, Foundation Financial has invested over 1.7 million dollars in its communities since 2010.

Our employees are at the heart of what makes Foundation Financial Groups philanthropic efforts so successful, said Chief Human Resources Officer James Brodsky. Whether they are helping clients accomplish their financial goals or painting at an elementary school, FFG team members give 100 percent.

For information about volunteer support for nonprofits, please visit volunteermatch.org.

About Foundation Financial Group

Foundation Financial Group is a multibillion dollar financial services corporation. FFG offers its customers Best in Class service through its Insurance, Retirement, and Mortgage Services. Named one of the fastest growing financial companies in the country by Inc. Magazine for the third year running, FFG has continued to grow its nationwide presence with over 100,000 new customers per year in 39 states. In addition to the value that Foundation Financial provides every customer, it is also dedicated to its communities and the people who live in them. Through a vast array of philanthropic endeavors, the company not only provides significant monetary donations but also fosters a workforce environment that encourages all team members to personally make a difference. Foundation Financial is committed to its strong focus on customer service and community investment as it continues to grow and compete with the largest financial institutions in the world.

Foundation Financial Group reviews all public relations inquiries. For additional information, interview and image requests, contact the Foundation Financial Group Public Relations Team.







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National Employee Benefits Advisor Welcomes New Regional Sales Manager to Omaha Office


Appleton, WI (PRWEB) October 30, 2013

Headquartered in Appleton, Wisconsin, with four other locations throughout the United States, Cypress Benefit Administrators has named Julie Kohanek, RHU, as the new regional sales manager for its Omaha location.

Kohanek is a registered health underwriter who brings 27 years of diverse industry experience to her role with the third party administrator (TPA). Much of her knowledge and experience relate to Cypresss core business functions of employee benefits administration, self-funded account management and ongoing benefit planning and evaluation. As regional sales manager, she will be responsible for overseeing the business development efforts and sales and marketing strategy for the Midwest territory of Nebraska, Iowa, Kansas and South Dakota.

In her latest position at an Omaha-based company, Kohanek specialized as an agent and consultant in the areas of life and health insurance as well as property and casualty. Prior to that, she spent 17 years working with Mutual of Omaha where she managed several self-funded accounts on a national level.

Kohanek is a graduate of the University of Nebraska at Omaha with a degree in economics and political science.

Tom Doney, president and CEO of Cypress, said Kohanek will be a wonderful addition. Julie brings a great variety of skills and expertise to this position, along with a solid understanding of how the self-funded world operates. He added, I believe she will be an excellent leader at our Omaha office. Our whole team is excited to welcome her aboard.

A privately held company headquartered in Appleton, Wis., Cypress Benefit Administrators has been pioneering the way toward cost containment in self-funded health benefits since 2000. The third party administrator (TPA) is the countrys first to bring claims administration, consumer driven health plans and proven cost control measures together into one package for companies ranging from 50 employees to thousands of employees. It serves employer-clients across the U.S. with additional locations in Portland and Salem, Ore., Omaha, Neb. and Colorado Springs, Col. For more information on Cypress and its customized employee benefits, visit http://www.cypressbenefit.com.







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Will Consumers Understand Health Exchanges? Health Literacy Innovations Discounts Its Health Literacy Software to Help

Bethesda, Maryland (PRWEB) June 21, 2013

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We recognize that many Americans new to the health care system will rely on the exchanges and providers to explain consumer health information, says Aracely Rosales, chief content expert and multi-language director, Health Literacy Innovations. As a simple tool to help streamline this process explain health exchange informationwhat they are, what they offer, how they work we know the HLA will be a great asset in the health exchange roll-out and to help consumers engage in their health care, says Rosales.

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United Benefit Advisors Offers Employee Guide to Understanding PPACA


Indianapolis, IN (PRWEB) June 06, 2013

The Patient Protection and Affordable Care Act (PPACA) is complicated, and understanding an employees responsibility to purchase coverage under the new law (the individual mandate), is no exception. Today, United Benefit Advisors (UBA) releases a guide to help employers educate their employees on the law and navigate the options available to them, particularly in regard to health insurance exchanges. Since employee options are based on employer plan design, UBAs guide includes a general overview and two different supplements based on whether or not the employer will offer minimum essential coverage.

The Employee Guide overview defines health care reform, the intent of PPACA, employee requirements, penalties and obligations, and takes a closer look at the advantages and disadvantages of choosing a health insurance exchange over an employer sponsored plan.

Employee eligibility for tax credits through the exchanges is dependent on the employer’s decisions about plan design. UBA offers two supplements (A and B) to address whether the coverage provided by the employer will satisfy the “minimum essential” requirement and to begin to educate on how the plan and the exchange will interact.

Supplement A is for those whose employer expects to offer affordable, minimum value coverage, but may choose to enroll in the exchange instead and thus forgo their eligibility for tax credits/premium subsidies.

Supplement B is for those whose employer expects to offer coverage that does not meet affordability or minimum value, so eligibility for tax credits/premium subsidies (and reduced cost sharing) thus becomes an area of interest.

We recognize there are many situations that this guide and supplements do not cover, says Thom Mangan, CEO of UBA. However, most employers should be able to mix and match the information to address most situations. Of course, working with a knowledgeable UBA Partner is always recommended for the best and most accurate information in every unique situation.

The PPACA Employee Guide is available at http://tinyurl.com/lj7wusn.

UBAs PPACA Resource Center includes up-to-date information on a number of elements, including: Counting Employees, Exchange eligibility/IRS Non-calendar-year plans, Wellness Proposed Rules, FSA and SBC Highlights, W-2 Reporting Requirements, Medicare Withholding Summary, Essential Benefits/Actuarial Value and more.

The resource center can be found on UBAs website. In addition to the PPACA Resource Center, UBA provides customized benchmarking data to help businesses compare their employee health benefits to competitors, and potentially find savings through plan design. UBAs 2012 Health Plan Survey, the largest in the nation with nearly 12,000 employers participating, along with the collective wisdom of its 140 industry-leading partner firms, helps business owners and human resource executives make informed decisions that directly impact the bottom line by controlling the upward spiral of health care costs.

About United Benefit Advisors

United Benefit Advisors is the nations leading independent employee benefits organization with more than 200 offices throughout the U.S., Canada and the U.K. Visit http://www.UBAbenefits.com.

MEDIA CONTACT:

Carina Sammartino

(650) 477-4839

csammartino (at) fishervista (dot) com







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Dermatology Skin Cancer Center Opens New Dermatology Office in Fernley, NV


Fernley, NV (PRWEB) May 31, 2013

A new dermatology center has been opened in Fernley, NV by skin care specialist, Dr. Keith M. Gross M.D. For the past 20 years, Dr. Gross has provided skin care treatments with a focus on treating skin cancer. The new office will make it easier for people in the area to access the best in dermatology services. Dr. Gross provides the latest in diagnoses, treatment and cancer removal technology and treatment options.

Many people suffer with skin problems which can affect them in a variety of ways. People with skin issues may shy at going out into public, struggle with self-confidence issues or live with physical pain and discomfort. However, many skin conditions can be treated successfully by a trained and certified dermatologist, giving people the ability to enjoy life at its best.

Dr. Keith M. Gross M.D. understands that a skin issue is more than just a physical problem and provides comfort and relief to patients in California and northern Nevada. Now, he can help even more people with the opening of his new office in Fernley, NV. The office is easy to find, located at 240 Hwy 95-A South, Suite #A and offers morning and afternoon appointments for patient convenience.

When patients walk into the new office, they will be cared for with the highest standards of medical care. Each patient is provided with an individual treatment and care program that is tailored to their specific needs and situation. In addition to this, Dr. Gross educates each patient to help them understand and deal with their particular skin issues. He uses the latest in treatments and care methods which include creams, antibiotics, and in some cases, surgery.

Services provided by Dr. Gross: