Scott M. Stevens, RHU, CDHC (Health

insuranceState Farm® branded insurance policies are underwritten by Certas Home and Auto Insurance Firm. As Reid Rasmussen reported in a Benefits Pro article earlier this month, service consolidation will lead to decreased cost competition and better prices. For example, the 5 largest health insurance companies are decreasing to a few with Aetna (#3) buying Humana (#5), and Anthem (#2) absorbing Cigna (#four). Additionally Assurant exited the health insurance business last yr , 22 of the 23 PPACA-created co-ops have closed, and United Healthcare made information this month as they are leaving many ACA Marketplaces.

Lastly, dependence on debt is increasing. 25% of Individuals say they can’t make ends meet from month to month. What does that imply? When the going will get tough, the bank card comes out to tide us over. seventy one% of those surveyed indicated they are in debt and 56% believe they may all the time be in debt.

Reinsurance corporations are insurance firms that sell policies to other insurance firms, allowing them to reduce their dangers and protect themselves from very large losses. The reinsurance market is dominated by a number of very large corporations, with big reserves. A reinsurer might also be a direct writer of insurance risks as nicely.

To entry SOES, go to /milconnect , sign in, and go to Benefits, Life Insurance SOES- SGLI Online Enrollment System. Servicemembers can log in with their CAC or with their DS Logon using Web Explorer as quickly as they obtain notice that SOES access is on the market. Servicemembers can then be certain their SGLI protection and beneficiaries are up-to-date.

Visual artwork, music, dance, drama, writing….in these items people discover nice consolation. A painting to get misplaced in, a song to carry you away, a dance that puts a bounce in your step, a play that transports you to another time & place, or a written piece that makes you suppose & really feel in a deeper means. The arts are known to assist individuals heal mentally, physically, and emotionally. There may be energy there that’s often underappreciated as a result of it is troublesome to chart or extrapolate. In my very own life, I know there are artistic endeavors that I revisit like an previous friend…seeing them brings a sense of peace, joy, & comfort. There are songs that envelop me like family members’ arms….whispering fact to me as they hold me shut. Eyes should be diverted & songs come to an end, but thankful are these of us that know the facility of the arts…even for a brief diversion from the experiences that problem us.