WinnerQuotes Insurance

Slideshow: 6 Famous Brands Started or Saved by Life Insurance | LifeHealthPro

winnerquotes — Wed, 25 Apr 2012 16:29:33 +0000

If not for life insurance, Disneyland might have existed only in Walt’s imagination. Stanford University might have been a short-lived tribute to a son who died young. James Cash Penney’s personal depression during the Great Depression might have shuttered the J.C. Penney chain. McDonald’s might have only served a few hundred thousand. Today’s home chefs might not be getting pampered.

Check out this slide show to learn how life insurance played a key role in either the creation or survival of some iconic American institutions.

Then, WinnerQuotes to learn more about what they did and how you could benefit in a similar fashion.

Slideshow: 6 Famous Brands Started or Saved by Life Insurance | LifeHealthPro.

What Does Your Retirement REALLY Look Like?

winnerquotes — Mon, 26 Mar 2012 08:17:41 +0000

You May Be Making A Devastating

Mistake In The Way That You’re

Saving For Retirement

POSTED ON MARCH 26, 2012 BY WINNERQUOTES

Are you 100% sure that you’re going to have a great retirement? Or, do you have some doubt?

If you’re like most, you probably have some doubt about what your retirement years will look like. What’s more, you may be making a very expensive mistake in the way that you’re saving for retirement. You’re invited to learn about a proven system that individuals and businesses have used to build wealth, cut their tax burden, and earn a positive rate of return on their money every year. Learn how others have used this system to eliminate all debt (mortgage included) in less than 9 years.

Americans have suffered greatly during the past several years due to the housing collapse, failing job market, rising inflation, increasing gas prices, the 401K disaster, etc. As a result, too many families are now living with continual debt that is eating away at their retirement savings faster than they realize. Currently, $.54 to $.64 of every dollar they earn is going toward paying interest expenses and taxes. The problem is that most haven’t been educated on the solutions available that can increase the amount of money they keep.

Why did the 401K turnout to be a disaster for many? Funds in a 401K are subject to market losses, and our stock market has been a tumultuous, unpredictable tide that has forced many workers to delay retirement. Not only are their savings less than anticipated, but when they cash out their 401Ks, they have to pay taxes on every penny they withdraw. Additionally, those investing in 401Ks have no way of knowing what their tax bracket will be during thier retirement years. Given that there will likely be a tremendous sell-off of 401K stock holdings as the Baby Boomers retire over the next twenty or so years, do you think that the stock market will increase or decrease? To add further pain to this already dismal scenario, as a nation, we have a huge deficit to pay off, social security is unsustainable, and we still have tremendous costs associated with the healthcare system and continuing conflict in the Middle East. How will the country pay for all of this? Do you think that taxes will go up or down as we struggle to get our deficit under control? Are you willing to bet on where the stock market will be and how high taxes are going to be when you’re ready to retire? Do you know exactly how these two variables will affect your retirement?

You’re invited to learn about a system that avoids the pitfalls of 401Ks. Both individuals and businesses have used this proven system to build wealth, cut their tax burden, and earn a positive rate of return on their money every year. Learn how others have used this system to eliminate all debt (mortgage included) in less than 9 years. Schedule your free appointment by contacting Nicole at 805-804-5288. For those who would like to share these solutions with a group of friends or colleagues, we also schedule workshops.

WinnerQuotes makes education a priority when it comes to servicing clients. In keeping with that, we recommend viewing this video and then contacting us for more information about life insurance to protect the ones you love.

winnerquotes — Mon, 13 Feb 2012 19:24:56 +0000

Real Time Health Insurance and Travel Insurance Quoting Tools

winnerquotes — Wed, 07 Dec 2011 17:44:11 +0000

Get Instant, Free Quotes and Applications, simply click on any one of the following icons:

HSA Bank

We understand that many clients start looking at their insurance options on weekends and late at night because that’s either when they happen to be thinking about it or that’s when they have free time. For those who are interested in diving in right away to get an idea of what’s out there, we offer the following links to view health and travel insurance plans and quotes immediately. We require that you call us at 805-804-5288 or email us for Life Insurance, 401K/403B, Long Term Care, Disability and Annuity quotes because we work with more than 20 carriers in order to provide optimal solutions for your needs. Please be aware that these are base line quotes, and final quotes and approval depend on full underwriting and are at the discretion of the insurer. That’s where WinnerQuotes comes in. We help you understand which plans are most likely to fit your needs the best while giving you the most “bang for your buck”. We know the ins and outs of underwriting and how your specific health history, medications, etc. may affect your eligibility and final premiums. I encourage you to call for our professional assistance and expert guidance during our office hours. For employers looking for group insurance coverage/employee benefits and buy-sell planning services, please call us at 805-804-5288. Remember, premiums do go up with time and age, so I encourage you to call now. Don’t wait.

Click on the following icons to view health and travel insurance plans and rates now. Also, I recommend that you click on the HSA Bank icon if you choose a HSA compatible health plan. Wondering about HSA accounts? Call us at 805-804-5288 and we’ll be happy to explain the benefits and how they work.

For assistance and quotes for life, long term care, annuities, disability, 401K/403B and more, be sure to call 805-804-5288.

Women’s Preventive Services just got better!

winnerquotes — Thu, 04 Aug 2011 17:55:40 +0000

The Department of Health and Human Services has added historic new guideline recommendations to the Affordable Care Act. The recommendations include the following health services without cost sharing. This recommendation will apply to non-grandfathered health insurance plans beginning August 1, 2012:

-well-woman visits;

-screening for gestational diabetes;

-human papillomavirus (HPV) DNA testing for women 30 years and older;

-sexually-transmitted infection counseling;

-human immunodeficiency virus (HIV) screening and counseling;

-FDA-approved contraception methods and contraceptive counseling;

-breastfeeding support, supplies, and counseling; and

-domestic violence screening and counseling.

For more information, and to receive insurance quotes, information and application assistance, contact:

WinnerQuotes Insurance Services, Inc. today:

805-804-5288

Travel Insurance

winnerquotes — Sat, 25 Jun 2011 21:12:26 +0000

There are many things to consider when traveling to another country. What if I have to cancel my trip? What if my luggage gets lost or stolen? What if I get sick or injured?

There are a variety of travel insurance options to help keep you covered while traveling. When choosing the right plan for your needs, be sure to consider the length of your stay, how often you travel, and the sort of coverage your current health insurance plan offers when you’re out of the country.

For further information and for travel insurance quotes, here are two helpful resources:

HTH Travel Insurance

Travelex Travel Protection

Insurance is a fundamental part of financial planning

winnerquotes — Fri, 31 Dec 2010 15:34:53 +0000

Developing a sound financial plan is important for both attaining your financial goals and providing security for your family. Part of providing security means establishing an emergency fund and acquiring insurance that will provide protection in case of an otherwise catastrophic loss.

The Baby boom generation has been labeled the sandwich generation because many will be responsible for taking care of both their children and their aging parents. As long term care and college costs rise, the need for financial planning is growing in importance. Additionally, insurance companies are responding to these new and very real needs by coming out with products that combine long term care insurance with other products like annuities and life insurance.

If you are a California resident and you would like to receive a worksheet that will help you determine whether or not you have enough life insurance, simply email me at nicole@winnerquotes.com and I’ll be happy to send you the worksheet. Additionally, if you have a friend or family member who you think would benefit from the worksheet, simply send me their information and I’ll be happy to send the worksheet to them too.

For direct questions or for quotes, please either email me or call me.

Nicole Winner, HIP

www.WinnerQuotes4Life.com

direct: 805-804-5288

nicole@winnerquotes.com

CA lic 0G11965

Life insurance commercial worth watching

winnerquotes — Fri, 31 Dec 2010 15:07:06 +0000

Administration Delays W-2 Health Value Reporting | GovTalk: October 15, 2010

winnerquotes — Fri, 15 Oct 2010 22:49:30 +0000

Administration Delays W-2 Health Value Reporting | GovTalk: October 15, 2010.

On October 12, the Obama administration announced a one-year delay of the W-2 reporting provision that will require employers to report the cost of health insurance coverage on their employees’ W-2 tax forms.

Section 6051(a)(14), added by the Patient Protection and Affordable Care Act, provides that the aggregate cost of applicable employer-sponsored coverage must be reported on Form W-2. Instead of a mandatory reporting requirement, the draft 2011 W-2 tax form includes an optional line for employers to report the cost of employer-sponsored health insurance coverage.

According to IRS Notice 210-69, reporting the cost of employer-sponsored group health plans on the Form W-2 will not be mandatory in 2011. Relief for employers was deemed “appropriate” by IRS and the Treasury Department to allow employers time to adjust payroll systems and update procedures in order to comply with new reporting requirements.

Study Shows – Most Seniors Misinformed About Health Reform and Medicare

winnerquotes — Wed, 28 Jul 2010 05:28:12 +0000

July 27, 2009 – According to a study conducted by the National Council On Aging (NCOA), most seniors are still confused about and/or unaware of key aspects of the Affordable Care Act.

Here are the answers to survey questions seniors were concerned about.:

The new law will not cut basic Medicare benefits.

Only 22% of seniors understood that the new law would not cut their basic Medicare benefits. Almost twice as many seniors (42%) held the incorrect view that the law would cut their basic Medicare benefits, while 37% said they did not know.

The new law is projected to reduce the deficit.

Only 14% of seniors were aware that the new law is projected to reduce the deficit. Many more 49% incorrectly believed it would increase the deficit. (According to projections by the Congressional Budget Office, the law will reduce the deficit by an estimated $124 billion over 10 years).

The law does not cut Medicare payments to doctors.

Only 14% of seniors knew that the law does not cut Medicare payments to doctors; 45% answered incorrectly and 41% said they did not know.

The law is projected to extend the solvency of the Medicare Trust Fund.

Only 24% of seniors knew that it is projected to extend the solvency of the Medicare Trust Fund.

Medicare will now provide new, free yearly wellness visits.

Only 33% knew about the new, free yearly wellness visit Medicare will now provide.

To receive competitive quotes and assistance with Medicare Supplement Plans, or other private health insurance options, please contact WinnerQuotes Insurance Services, Inc. – www.WinnerQuotes.com