Advisors need to do a better job of educating clients about that, and about vehicles like old fashioned participating whole life insurance that shifts the risk in our lives away from us to an institution mutually owned by its policyholders.
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Instead of tying up precious cash in investment products that have risk and might not be there for that rainy day or college tuition, advisors should be teaching the value of saving, and showing them all the options, including participating whole life insurance.
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These economists believe uninsured non-actors often raise health insurance by not participating, and by receiving healthcare as a matter of law with little or no payment.
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The network also wants to require communities participating in the National Flood Insurance Program to adopt stronger building codes and conduct a vulnerability assessment of critical facilities.
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In addition, most states will be participating in expansions of the Medicaid health insurance programs for the poor.
Up until the advent of universal whole life, the predominant form of life insurance for the middle class was participating or mutual whole life, where policyholders are treated as mutual owners of a non-public insurance company.
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But in Colorado, voters rejected a similar measure that would give voters the option of not participating in the federal health care reforms, including the insurance requirement, according to a CNN projection based on exit polling.
That will drive down the prices for people who are participating and it will allow everybody to get a decent deal on insurance.
The market research firm Avalere Health found strong insurer interest in participating in about a dozen states that have released details of their new insurance markets.
Have you ever found yourself participating in an activity during your adventurous travels that could potentially be unsafe and may or may not have insurance?
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