Wednesday, November 20, 2013

Insurance helps us create surroundings of belief

Insurance helps us create surroundings of belief.

      If we will not be alive then our family will not suffer due to financial crisis, as you have bought best insurance to make their life secure after you will be with them. Accident insurance is such an insurance that not only covers the benefits in case of death due to an accident but also provides you the power to deal with financial requirements.

     You know, an accident may lead to severe injuries putting you on bed rest for months causing monetary issues like paying hospital fee, post discharge expenses, and the amount required to bear all other expenses as you are not working due to complete bed rest. It may also cause permanent total disability, permanent partial disability, or temporary total disabilities making you helpless.
     An accident insurance, though, could not save you from the injuries and other causes that may occur due to an accident, but can support you financially by taking on hospital expenses, post discharge expenses, and benefits covered for disabilities. To get the maximum benefits, you need to buy the best insurance and that can only be possible when you compare accident insurance rates from different insurance companies.
     I have found that my Aflac accident insurance has given myself, and my family the peace of mind That comes from knowing you're covered if something happens. Not so much for the hospital bills. But, more for what are we to do about or finances should we be short 1 income during recovery time.  Thank you Aflac for being so very affordable.

Monday, November 18, 2013

Insurance claims made easy

     OK, If you haven't figured it out by now. I'm a big believer in AFLAC. I have NO affiliation with Aflac whatsoever! I have had their accident insurance for a year and a half now. And I must tell you how unbelievably easy making a claim is. At a later date I may make a you tube video. 

     Let me start by telling you I pay a premium of $8.87 a week for coverage for myself, and my wife. You can find out more about my policy here. Anyhow, I hurt my back in a fall at my home (I have 2 small children who love to place "toy" boobie traps everywhere.). I went to the emergency room. They took xrays, and gave me pain killers, and sent me home to heal. I did not have anything wrong other than a pinched nerve in my back (which if you've ever had one you know it hurts like crazy).
     Time for me to make my claim. I went to Aflac.com. Registered on the website, and started a "smartclaim" right there on the site. They take you through a series of questions about the accident. Then they have you print out a claim form. Here's the fun part. I signed the form, and uploaded it to aflac. They have the upload process made VERY user friendly. Then, I uploaded the documents they gave me at the hospital on my way out (you know, the paper they all give you that says what they did, and how to administer aftercare, you sign it and go home.). That's it. That's all. Your claim has been started. It's that easy.
     Now, my claim way actually approved THE SAME DAY! I got a check in the mail THAT SAME WEEK! That's fast. I know some people have their doubts about Aflac. But I cannot tell how many claims I've made for myself, and my coworkers (somehow I got chosen as "aflac claim guy" at work) that are approved just that fast. Cash super quick. For my money I would always recommend Aflac to anyone!

Sunday, November 17, 2013

     Let me tell you a little about the BEST insurance you can get that's soooo cheap. Aflac. I first got accident insurance on myself for only $6.67 a week! This covered me if I had an accident which resulted in going to the emergency room.
     Now, to be clear. This is not your normal insurance. Aflac pays you cash in the event of an accident. It will not cover the cost of the E.R. visit. It will pay you a lump sum for each visit, test, xray, CT scan.etc... As well as crutches, or brace or items needed to assist you from your injuries. They also cover for ambulance, or an extended hospital stay.
     Again this won't cover your bill, but it can give you hundreds, if not thousands of dollars in YOUR pocket as opposed to the hospital getting that money. It's very very easy to place a claim. I have made claims online a few times for myself, and co-workers. So easy.
     The best part is how very fast they pay. neither I, or anyone I've made a claim for has had to wait longer than a week to get a check. Yes, it's just that fast. No waiting to see if your claim was approved.
     Another awesome thing about it is you get accidental death insurance. Yes, If you're killed n an accident they pay $40,000 to your spouse, or whomever you choose. Again, I was getting ALL this for only $6.67 a week, and my employer just took it straight from my check so I didn't need to worry about paying my bill on time.
     Now, I was sooo happy with my policy that I sson had my wife put on as well, She is a little more accident prone than I am. I had already made a claim for her within the first 90 days of putting her on the policy. Sure enough within a week we got our check.
     The price for adding my wife did go up. My premium went from $6.67 to $8.76! That's it, and she has the same coverage as me. I couldn't believe it. She also has the life insurance as well. only $8.76. wow.
     Now as far as insurance companies go they to have other policies you can get. Long term illness, cancer, life etc.. However for me and my wife This is the best insurance we've ever had.
     So, If things are tight, and you are thinking you can't afford insurance, you now know that there is an alternative choice out there to at least lessen the burden of being in an accident.