There are three different types of managed Health Care Plans that most employers offer to their employees. They are Health Maintenance Organizations, Preferred Provider Organizations or Point of Service Providers. Many people wonder just what the difference is between the three. It is actually very simple. PPO’s (Preferred Provider Organizations) are similar to HMO’s (Health [...]

We all know that smoking can affect your life insurance in many different ways. It could raise your premium rates, and even make it harder for some life insurance companies to insure you. Some people get the wrong idea and want to try and trick their life insurance company in attempts to get a lower [...]