Buying health insurance is an important purchase in Burlington, NC, so there are some vital things to note when you are searching for a policy.

Today you can’t be denied coverage for an individual health plan and, regardless of your health history you can’t be charged more for having medical conditions. There are certain benefits that have to be covered by individual health plans. Some of these benefits include emergency room visits, pregnancy and maternity care, prescription drugs, mental heath treatment, and outpatient care.

Although every health plan must cover certain benefits, they can still vary in how they are structured and how much you will pay. They are divided into five categories to make it easy to compare, and the categories are based on the percentage of cost you pay out of pocket, which includes the deductible, coinsurance, and copayments. Generally the less you pay out of pocket, then the more you are going to pay for premiums. For example, a platinum plan will charge more for premiums but you won’t pay as much out of pocket. In order to decide which is best for you, consider the healthcare services you used over the past year and what you expect for the next year.

When shopping for plans with your agent at Don Allred Insurance, see how the plan is structured. Decide if you want to pay more upfront or when you need services. Then see who is in the network, especially if you already have a preferred doctor. Next check to see what is covered. If you take prescription drugs, are they covered?

Note that you can only buy a health insurance plan certain times of the year during the open enrollment period. However, you can usually get insurance if you have a qualifying life event, such as having a baby or getting married.

Contact Don Allred Insurance, serving Burlington, NC, to get a quote on health insurance. 

Nobody really wants to discuss life insurance, but it can be extremely beneficial for a number of reasons. If you are planning to protect your family or planning for a secure retirement, whole life insurance can offer you the ability to borrow from the value of the policy.

Borrowing From Your Policy 

Term life insurance doesn’t allow you to borrow against your policy, but whole life insurance does. Policies vary from provider to provider, but in most cases, you can begin to borrow against the value of the policy after you pay your premiums for a certain amount of time, usually a few years. Before you choose the policy, you should consult a licensed life insurance agent to find out whether whole life is right for your needs. If you choose the whole life policy, find out how long you must pay your premiums before you can borrow against the value. This is a great option for unexpected emergencies that can arise through life. 

Working WIth Knowledgeable Life Agents

If you are wanting to purchase a life insurance policy, you may be able to also borrow against it in the future if the need arises. Make sure the policy is what is right for your personal need and work with an agent who can give you the details about how the policy will allow you to borrow money and then pay it back over the course of time once you have paid into the policy for a certain number of years. If you live in the Burlington NC area, consider speaking with a representative from Don Allred Insurance before making a decision. 

Selecting the right life insurance can be a challenge if you don’t have a great agent working with you. If you want to find the right coverage option and have a potential safety net in the process, consult with Don Allred Insurance proudly serving the resident around the Burlington, NC area. Call or stop by today for details. 

Did you serve your country honorably in the Army, Navy, Air Force, Marines or other military organization? If so, then you deserve “thanks” for what you did.

Yet, like many returning veterans in North Carolina, you might be unaware of what benefits and rights you have. It is common for people to assume that veterans are "taken care of" in every capacity, such as health care. Presumably, all one has to do is walk into a VA Hospital, right?

This kind of thinking can leave you unable to afford medical care when needed. A wiser choice is to speak with an independent agent at Don Allred Insurance, which serves the greater Burlington, NC area. We think you might find it is wise to purchase a private health insurance plan.

Reality

You should consider taking out a personal health insurance plan, even if you have access to a VA Hospital. Remember, getting in to see a government-supported physician can be difficult. The schedules are often backed-up, quite often for months.

Furthermore, free VA care is only possible for those who fit certain criteria. Income, a service-related injury, and other factors are considered.

Last, but certainly not least, you have to reapply on a regular basis. At any time you can be removed from the system for failure to complete mandatory paperwork. Then, the recertification process starts all over again.

Private Health Insurance as a Solution

Rather than rely on the government, many former service personnel in North Carolina purchase comprehensive private health care insurance. These policies can be better tailored to suit your personal needs.

Get Started Today

For more information, contact a professional insurance agent at Don Allred Insurance, serving the greater Burlington, NC area. We can provide full details on specific health insurance policies now available.  

Ever find yourself asking, "Do I Need Life Insurance?" Take a look at five reasons below and then contact Don Allred Insurance in Burlington, NC to set up your policy today.

1. Give Your Family Peace of Mind

Life Insurance is a hard topic because it’s hard to talk about death. But talking about it now means that your family will have less to worry about then. Life Insurance will financially secure your family, especially if you are the sole breadwinner.

2. It Pays for your Funeral

This is something a lot of people forget to think about. Even if you don’t need to leave behind a large sum to take care of people, you can help cover the expenses for your funeral. And since funerals tend to be expensive, your friends and family will thank you.

3. You Can Make Anyone Your Beneficiary

If you’re reading this saying "I’m single with no children, why do I need one?" What about making your parents, aunt or closest friend your beneficiary? Is there someone who would be at any financial loss if you were to die? They are a reason to have the policy.

4. It Can Work As a Loan

Talk to your Broker before doing this as there are rules and you’ll need to pay taxes on the amount, but if you find that you’re strapped for cash and you have a policy, you can borrow against it and lower the payout after your death.

5. The Younger You Are, the Less Your Premium Will Be

If you’re thinking that paying for life insurance can wait until you’re older, remember that rates are based on your age. The earlier you start, the less you’ll pay overall.

Interested? Stop by Don Allred Insurance in Burlington, NC for a quote or use our online tool.

Dangerous hurricanes have been in the news quite a bit recently. The kind people at Don Allred Insurance serving Burlington, NC and the surrounding area know about this hurricane danger firsthand. In many weather reports, there is a realization that a particular hurricane is some kind of historic event. News reports might say this is the strongest hurricane ever to hit an area. It has the highest winds on record. This was the first time the storm surge was so high and so on.

People living in areas subject to hurricane risk should have property insurance for protection. Flood insurance is a good idea as well, even for outlying areas and those that never experienced a flood or did not have a flood in a very long time.

One surprising thing that is always true is that in order to protect yourself and your family from hurricanes, you also need health insurance. Health insurance is good for regular health care needs. Health insurance is even more important for emergency needs.

The Serious Dangers of Floodwaters

When an area experiences torrential rain from a hurricane, the land cannot absorb the water. When too much rain comes down in a short time, the rivers fill up, they overflow banks and dams, and the streets fill up with water as well.

After the hurricane passes, the water may stay in an area for a very long time. This standing water has all of the filth that was previously contained on dry land. It is a mixture of all the nasty stuff that ran off the dry land and now makes a toxic soup.

Health risk of contagious disease is very high and includes:

• Parasites: Giardia and cryptospores are a few of the parasites that cause illness.
• Bacteria: E. coli, when ingested, is a common cause of bacterial infections that may cause severe intestinal problems such as gas, nausea, vomiting, and diarrhea.
• Wound Infections: Open wounds can be infected with tetanus or bacteria.
• Trench Foot: Feet can swell and then rot from this infection that comes from standing in water for a long period of time.

Hopefully, this serious danger convinces anyone living in an area prone to hurricanes and/or floods that they need health insurance. Contact your agent at Don Allred Insurance in at Burlington, NC if you do not have any health insurance or to have a health insurance review to make sure you have adequate coverage.

If you are a student in Burlington, NC, it may be wise for you to start paying attention to life insurance. It may come in handy when you need to pay your student loans. Get the help of an insurance agency such as Don Allred Insurance in North Carolina to find the most appropriate life insurance quote. The cost of the average degree is high and most students need a loan to pay for it. New graduates feel overwhelmed by the debt. About 40% of students owe more than $20, 000 after graduating. It may seem like a strange idea to purchase life insurance when you do not have a family or financial obligations. It is, however, one of the best ideas when you want to protect your parents or spouse from financial obligations if you pass on.

Student loans are not always discharged when the student dies. Federal student loans are discharged in the event of the death of the student. That not the case with private loans. If you have a large amount of student, you need life insurance. Permanent life insurance policies may be your best choice if your debt is really high. If you do not have too much debt, you can use term life insurance. It is more affordable than permanent life insurance and it may help to cover small debts. The amount of term life insurance you choose depends on how much debt you have. Term life insurance may replace your earned income in the period when you can’t cover your monthly repayment.

Contact Don Allred Insurance in North Carolina for your life insurance needs in Burlington, NC. They have a team of agents who will work with you to find the most appropriate quote for your needs.