Individual & Family Health Insurance Plans

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1. Affordable Care Act Plans

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You may know Affordable Care Act (ACA) plans as major medical, comprehensive coverage, or even “Obamacare,” but whatever you call them, these plans meet all the requirements of the ACA and are typically the most comprehensive on the market. If you have a chronic illness or face a medical emergency, these plans can help prevent staggering expenses.

ACA plans provide benefits for a broad range of health care services, both inpatient and outpatient, and can save you money on routine doctor visits, prescription drugs, preventative care, hospital stays, and more. These plans are available to almost everyone, and you can’t be denied based on preexisting conditions.

2. Short-Term Plans

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If you can’t afford an Affordable Care Act (ACA) plan or have missed the cutoff to apply, you may want to consider a short-term plan. Compared to ACA plans, short-term health insurance typically provides much less coverage and does not help you avoid any state tax penalties. But short-term plans do accept applications year-round, and they can help offset costs if you have a medical emergency unrelated to a preexisting condition.

Short-term plans do not meet the requirements of the ACA and may not cover all — or any — of your medical needs, so you’ll want to read the plan details carefully before applying. Also worth noting that purchasing short-term health insurance may make you ineligible for other health insurance including ACA plans and COBRA.

3. Medical Indemnity Plans

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Also known as fee-for-service plans, medical indemnity health insurance pays you a fixed amount for services such as $50 for a doctor visit. In this example, if you visit the doctor, the plan will give you $50, regardless of the bill for the actual visit.

When combined with other insurance, medical indemnity plans can help cover out-of-pocket medical expenses like copays and coinsurance. You can also purchase a medical indemnity plan as your only insurance or as part of an insurance package, but as with short-term health insurance, medical indemnity plans do not meet the requirements of the Affordable Care Act (ACA) and will not help you avoid any state tax penalties. Indemnity plans also typically do not cover preexisting conditions and may include per-incident, yearly, and/or lifetime benefit limits.

Medical indemnity plans are not right for everyone, but if you want help covering medical costs and expenses, they may be worth a second look.

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Whether you need health insurance for yourself, your business, or your family, eHealth has a wide range of options. Let our experts help you find the health insurance you need.

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Five ways struggling musicians can make money on lockdown

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Five ways struggling musicians can make money on lockdown

It’s safe to say that live performances are where the bulk of the cashflow comes from when it comes to being full-time musicians, particularly when you’re a small-time artist. So what are we to do when the whole country’s on coronavirus lockdown and live shows are no longer feasible? Here are five other things you can do get paid.

Photo Credit: Pixabay

1. Commissions

There are always people wanting to buy music for their own work so if you have the skills to stick to a musical brief, advertise your talents online for music/film/TV/radio producers to find and pay you directly for creating tunes for them. The cost can cover studio time and any other expenses, so you never have to create at a loss. 

2. Merchandise

Ok, so you’ll need a little bit of money for this one, but it’s a lot cheaper and easier than you might expect to sell merchandise – band T-shirts, totes etc. – these days, and you can do it all online. Set up a merch store on Big Cartel or something similar, pay the monthly fee (from $9.99 a month) and upload your designs. They’ll print the products for you so you don’t need to worry about inventory or even photos.

3. Video content

We’re not necessarily talking music videos, but behind-the-scenes footage, music lessons, amusing quarantine video diaries and impromptu performance videos could really help with the cashflow. Of course, you need something of a social following already for your videos to get monetised (at least, you do on YouTube), but if you’ve got the fanbase, it’s certainly worth a shot.

4. Patreon

If you don’t want to take your chances with a monetisation agency, another option is Patreon. This is a subscription content platform which enables artists to share exclusive content with subscribers (or “patrons”) and get paid for it on a monthly basis. You can present different packages for different rewards, and share all kinds of content including music and video. You don’t have to pay anything for a Patreon membership, but they do take a percentage of what you earn from the service.

5. Crowd-funding

It’s easy to say “just release more music” but recording music is not an inexpensive venture. Unless you have a home studio, you’re going to need money before you try and produce an album, and the best way to get that money is a crowd-funding campaign. Kickstarter allows you to ask your friends and fans for money in exchange for exclusive products depending on the size of their donation, so you can still create music even if you can’t perform it live.

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State Farm Insurance Corporate Office

How would you rate your experience with State Farm Insurance ?

[Total: 52   Average: 2/5]

State Farm Insurance Corporate Office Address

State Farm Insurance

1 State Farm Plaza
Bloomington, Illinois 61710

Contact State Farm Insurance

Phone Number: (309) 766-2311
Fax Number: (309) 766-3621
Website:http://www.statefarm.com
Email:Email State Farm Insurance

State Farm Insurance Facts

Founder: George Mecherle
Date Founded: 1922
Founding Location: Bloomington, Illinois
Number of Employees: 56788

State Farm Insurance Executives

CEO: Michael Topsord
CFO: Gary Perland
COO: Kenneth J. Worzel

State Farm Insurance History

State Farm Insurance was founded by George Mecherle in 1922 as an automobile insurance company. It was started as a mutual company and so was owned by its policyholders.

The company originally provided auto insurance to farmers. The company expanded in the 1950s to other types of insurance, such as homeowners insurance and life insurance.

In 1964, State Farm became the largest insurance writer in the world.

In the 1990s State Farm Catastrophe Services was founded.

In 1999 State Farm Bank (SFB) opened. It is run by State Farm Financial Services. SFB offers many banking services such as checking, savings, and mortgages, but does not have branches Instead, it offers these services over the phone or via internet, as well as through agents in five states.

State Farm’s main business is State Farm Mutual Automobile Insurance Company.

State Farm continues to be a mutual company, owned by their policyholders. Edward B. Rust has been the CEO since 1985, but retired in 2015. 

Due to the COVID-19 pandemic and quarantine, many drivers virtually stopped driving or drove considerably fewer miles. This led State Farm and other insurance companies to issue partial refunds to consumers. 

State Farm has 18,700 agents working out of  343 claim offices throughout the United States and Canada, has 56,788 employees, and had $81.732 billion in revenue in 2018.

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Top 1,416 Reviews about Progressive Auto Insurance

Page 1 Reviews 0 – 10

profile pic of the authorZachary of Milwaukee, WI Verified ReviewerOriginal review: Feb. 24, 2020

I got into my second accident in 6 years recently, totaling my vehicle and getting injured. Both accidents were the other driver’s fault and Progressive made a terrible situation a lot more manageable by responding to all my questions and concerns quickly, following up with next steps and making the whole process easy. They even offered options for picking up my payment check at the office to get it sooner or have it mailed. They reminded me about reimbursement for taxes, title and fees on my new vehicle, saving me over $500 dollars. Most of all everyone I spoke with over the phone was friendly and genuinely understood the stress of the situation and offered to assist in any way. I couldn’t have been more pleased with the service.

16 peoplefound this review helpfulHeather of Newport, MI Verified ReviewerOriginal review: Jan. 17, 2020

I love this insurance company so far. We haven’t had any accidents so I can’t rate them there. I love the option online to change your bill due date for the next 3 months. It’s not always there, so you can’t just do it continuously but it’s helped us out a couple times. Call customer service is very easy, most people are helpful and polite.

I did have an issue with one person. I accidentally made a duplicate payment to my account and when I called they said the duplicate payment hadn’t posted to my account yet, and to call back when it does and they would take care of it. When I called back a different person said they couldn’t refund payments, and she said something about a 15 day hold before they could do anything. And she said I should call my bank and hope they could fix it. I didn’t like that answer so I called right back and got on the phone with someone else. She put me on hold for about 5 minutes and when she came back she told me she was able to refund it.

So that other person, who had an attitude for no reason, just made all that up. She didn’t try to ask anyone, just told me “too bad” pretty much. I don’t understand people like that. If you have an issue like that with customer service, call back and talk to at least one other person. Every company has at least one person like that, so it didn’t affect my rating. I’ve dealt with enough jerks in customer service that I knew to call back immediately.

Read full review14 peoplefound this review helpfulWe value your privacy. Unsubscribe easily.profile pic of the authorFelix of Kansas City, MO Verified ReviewerOriginal review: Nov. 14, 2019

On October 21, 2019 I ran into a deer. I have been a Platinum Customer for Progressive and never expected to run into any situation. I pick up the phone in my insurance card and from that very moment I was assisted as a very valued Customer. They suggested the auto body shop in Kansas City, MO and at that shop they had a courtesy driver to take me from work into the car rental company and back to the auto body shop. The lady that attended my case at the auto body shop did everything to make me feel valued. The most stressful event I have ever experienced became a learning experience on how business oriented people/employees/employers care for their Customer. Progressive I will eternally be grateful and thankful.

22 peoplefound this review helpfulMartina of Tampa, FL Verified ReviewerOriginal review: Sept. 1, 2019

I was a formerly insured by AAA. The day I walked into their office to cancel my policy is when my nightmare began. Not only did the representatives not care about what happened to my policy but I had to do all the legwork by making all the necessary phone calls. Bottom line, never assume someone else does their job. You have to be your own advocate and follow through. After all that, I signed with Progressive. My rates dropped and that’s a wonderful thing. Their customer service is outstanding and I’m treated like a human being.

16 peoplefound this review helpfulJuli of Pottsville, PA Verified ReviewerOriginal review: Aug. 31, 2019

I have been with Progressive since 2015. I have never had an accident. My agent is non-existent because I have since moved far from the area where I first purchased the insurance. I have tried numerous times to change my agent, in hope of finding a local agent. I have been wanting to have my policy evaluated for better discounts. I believe I am not getting the discounts I am entitled to and I can’t get my agent to return a call to me to help me out. When I want to inquire about anything it is easier for me to simply call the corporate office. Why then must I be stuck with an agent that is 3 hours away from me? It makes no sense to me. I have no use for this agent and he is no longer able to help me with my concerns.

34 peoplefound this review helpful

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Klarissa of Plainsboro, NJ Verified ReviewerOriginal review: April 28, 2020

About 6 months ago, I was in a car accident that totaled my vehicle. At the time, I was told by the police that it was not my fault as there was nothing I could do. Progressive also expressed that I was not at fault, even giving me more money. Recently, I realized that my auto insurance increased over $100 for the next renewal. I called Progressive and a woman in claims named Elizabeth told me that I was clearly at fault according to the records. There was nothing I could do, but please tell me why this was not told to me right off the bat. Why was I told directly from Progressive that I was not at fault when they were going to put that I was anyway? In short, I canceled my plan with them and will not be back. This was not handled properly so beware when getting insurance through Progressive.

Be the first one to find this review helpfulBryant of Chicago, IL Verified ReviewerOriginal review: April 27, 2020

I will never go back to Progressive Insurance, I bought my first car 2 months ago, and because I didnt have insurance, the dealer helped me sign up with Progressive, and everything was fine until a week ago, when I got a letter from progressive, saying that my policy was being cancelled. So I called them and they said they wanted to verify my personal information which was fine, until I mentioned that I lived with my sister. Now my sister, is disabled does not have, nor has ever had a license, and even if she wanted to does not have the ability to drive my car. But despite all that just because she lives with me, I was forced to add her to my policy which raised my rate. So I got rid of Progressive, and found another company that charges me much less than Progressive did. So I want to thank you Progressive, because if you didn’t screw me over. I would still be overpaying for car insurance.

Be the first one to find this review helpfulprofile pic of the authorSteve of Greenfield, OH Verified ReviewerOriginal review: April 21, 2020

A few days ago I called to see if I could drop one of our automobiles off so we could make our payment which we have never missed in 13 years. Have never had a claim in the 13 years. Was told if I dropped the car my insurance would go up even more. Both myself and my wife have lost our jobs due to plant shutdowns due to covid-19. This is the most ridiculous things I have ever heard. I was told you will lose your Multi Vehicle discount if I did this and my payment would increased a vast amount. I will be looking for a Business that cares about their client in the future.

7 peoplefound this review helpfulBrian of Centreville, VA Verified ReviewerOriginal review: April 18, 2020

Received my 2019 Toyota 4Runner 2650 miles back from the body shop, was hit parked and unoccupied, I look around it and I see the right front wheel is still scratched up, TRD Pro wheels. Progressive’s repair standards state that Progressive shall repair the vehicle to pre-collision condition. That wheel was pristine pre-collision, now it is not. In my opinion, I fully regret having given them all this money after all this time and now they scrimp on a wheel. Look elsewhere.

4 peoplefound this review helpfulprofile pic of the authorDonna of Snellville, GA Verified ReviewerOriginal review: April 15, 2020

I had my car repoed and needed to find some car insurance. I got a quote from Progressive. There was a mix up with the auto deductions and the company was trying to take out $250.00. I was quoted 182.00 that what was in my account. Progressive cancelled my insurance when I tried to get another policy they requested address verification. I rent a room, I have not lease, I do not pay bills and my mail went to my PO Box. I tried to explain this to progressive over and over again. I advise them I could send them my bankruptcy information or the information for my car registration. They had a list and only wanted what they had on the list, they would not rewrite the policy for nothing. No matter if I called or AAA called to write the policy.

3 peoplefound this review helpful

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I’m working at home – can I make a comfortable chair myself?

You’re the expert

Work & careers

My back is killing me and I need some DIY tips to find seating that works

Sitting in the wrong type of chair can give you a painful back. Photograph: Andriy Popov/Alamy Stock Photo

Every week a Guardian Money reader submits a question, and it’s up to you to help him or her out – a selection of the best answers will appear in next Saturday’s paper.

I’ve been working at home for a week now but my back is killing me. There are no office chairs to be had so I need some DIY tips to find seating that works. A friend told me to take the back off my chair and to sit upright – is he right?

Do you have a problem readers could solve? Email your suggestions to money@theguardian.com or write to us at Money, the Guardian, Kings Place, 90 York Way, London N1 9GU.

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USAA Insurance: Home & Car

USAA Insurance is known for its service to the military community and their families. Whether you’re active or former military, an eligible family member, a cadet or midshipman, USAA is available to serve you and your insurance needs.

USAA car insurance coverage options and discounts

Coverage

  • Vehicle protection: Protect your car with comprehensive coverage and collision coverage, which covers damage from rollover or accident.
  • Finance protection: Liability coverage protects you financially if you are the cause of the accident and includes bodily injury and property damage.
  • Passenger protection: These may be mandatory or optional add-ons, depending on your state requirements and your priorities. This protection includes personal injury protection, extended benefits coverage and uninsured/underinsured coverage.
  • Other protection: Your USAA insurance quote can also include roadside assistance, rental reimbursement and accident forgiveness.

Discounts

  • Defensive driving course discounts: If you take a certified defensive driving course, you may qualify for a discount.
  • Loyalty discounts: If you remain with USAA insurance for a certain length of time, you can receive a discount.
  • Multi-policy discounts: Talk to USAA insurance customer service about combining your auto policy with another policy for potential discounts.
  • Accident-free discounts: If you’re a safe driver with an accident-free record, your USAA insurance policy may be discounted.

USAA home insurance coverage options and discounts

Coverage

  • Fire
  • Theft
  • Vandalism
  • Most weather-related events
  • Liability
  • Identity theft

Discounts

  • Loyalty discounts: As with auto insurance, if you remain with USAA insurance for a certain number of years, you can receive a discount.
  • Multi-policy discounts: Talk to USAA insurance customer service about combining your home policy with another policy, like auto insurance, for potential discounts.

USAA ratings, reviews, customer satisfaction and complaints

While J.D. Power ratings states, “USAA is profiled, but not rank eligible, because it does not meet the study award criteria,” as it is only available to military members and their families, there is a trusted rating about USAA insurance, customer service, overall satisfaction and more. To summarize it simply, they were rated a 5 out of 5 on all areas, except one – estimation process, where the company received a 4 out of 5.

  • Overall Satisfaction: 5 out of 5
  • First Notice of Loss: 5 out of 5
  • Estimation Process: 4 out of 5
  • Repair Process: 5 out of 5
  • Rental Experience: 5 out of 5
  • Claims Servicing: 5 out of 5
  • Settlement: 5 out of 5

The Better Business Bureau rated USAA Insurance a B-, with 435 customers rating it an approximate average of 1.25 out of 5 stars. Many of the customer reviews come from loyal customers who had complaints about USAA insurance customer service when they needed it most. So, while J.D. Power rated USAA insurance claims servicing a 5 out of 5, customers have stated differently, though this is not unusual with insurance providers.

Reasons why USAA is a great option

USAA is definitely not an insurance for everyone, especially since the company specifically serves only military, its families and the military community. However, for those who fit the target audience, it can be a great option for home and auto insurance, as well as the other policies offered by USAA.

For those who are technology-savvy, USAA insurance is a great option thanks to their mobile app that makes it simple to file a claim quickly, pay bills with ease and more. If you plan to have multiple policies, especially auto and home insurance, you may be eligible for a USAA insurance discount for bundling policies. And if you choose USAA insurance and stick with the company for years, the loyalty discount could really save you money in the long run.

According to usnews.com, the national average rate for auto insurance is $2,537, and your USAA insurance quote could be even less. Like auto insurance, a USAA insurance quote for home insurance will vary greatly, depending on the coverage you want. The average USAA insurance quote will cost you $1,051 every six months, but factors such as your credit score, history of accidents and tickets, age, etc. will affect your actual quote.

Additional policies offered by USAA

In addition to home and auto insurance, USAA also offers insurance policies for the following:

  • Renters insurance
  • Rental property insurance
  • Valuable personal property insurance
  • Condo insurance
  • Flood insurance
  • Life insurance
  • Annuities
  • Umbrella insurance
  • Motorcycle, RV and boat insurance
  • Small business insurance

Frequently asked questions

How do I file USAA Insurance claims?

You can file USAA Insurance claims online through their claims portal.

How do I get a USAA Insurance quote?

To get a quote from USAA, you’ll need to qualify – USAA only provides service to U.S. military members and their eligible family members.

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How Does My Account Grow? The Difference Between Capital Gains, Dividends and Interest

by: Cassandra Laymon, CFP®, MBA

Over the past few weeks we’ve talked about different investments (or assets) including stocks, bonds and mutual funds. We also reviewed the meaning of “the market” and how changes in the stock market can impact your investments.

A question I’m often asked is “How is my account doing?”  Of course, this means How much money am I making, and do I have more money than the last time we talked about this?

Many people are not clear about the multiple ways they are making money in their portfolios. Here is a simplified overview of some different ways your portfolio grows – because of and in spite of – changes in the market.

Capital Gain

Put simply, a capital gain occurs when the market value of your investment becomes worth more than when you purchased it. If you bought a share of Lowe’s at $70 in January, and it’s now worth $80, that’s a $10 capital gain.

Does that mean you have an extra $10 in your pocket today? No. You don’t actually lock in and collect that profit until the stock is sold. If you’ve heard someone talk about “paper gains” (also called unrealized gains) this is what they are referring to: your monthly statement says the value of your investment went up, but you don’t actually have that money – it’s just on paper.

When you do sell that investment and collect the extra money, that is called a realized gain.

The opposite can also be true. Your investment can lose value, and then you would have an unrealized loss. Many people don’t recognize that when their account value goes down, perhaps due to a drop in the market, that is also “on paper.” Meaning that if they don’t sell their investments at the lower price, they haven’t truly lost anything yet. This is similar to your home losing value when the real estate market declines, but you don’t actually realize the loss unless you sell. In those cases, investors might say, “I know it’s a loss, but it’s just on paper, so I’m going to ride it out until the market recovers.”

Dividends

In our “What is a Stock?” blog we discussed that when you invest in stocks and become a part owner of the company, in many cases you will receive a share of the company’s profits on a regular basis. The regular payout is called a dividend.

We’re not going to get into the detail of how those dividends are calculated, but suffice it to say that when those dividends are paid into your account, that will reflect a higher account value on your monthly statement.  Whether the “market” is up or down, if the company is in good shape, your dividends should continue to be paid to you on a regular basis. Dividends can be a great source of income!

Interest

In the “What is a Bond?” blog we talked about the difference between the value of a bond and the interest payment.  The value of the bond can fluctuate over time, and will influence your account value. This is the same situation as stocks in that you don’t really gain or lose money on this investment until you sell it.

Interest is another way your account value grows. Much like the dividends that get paid into your account from stocks, the interest paid on your bonds also gets paid into your account, therefore positively affecting your portfolio value. The sum of Capital Gains, Dividends and Interest payments are often referred to as Total Return.

It’s important to know that there are multiple ways your portfolio can grow. I encourage you not to be so focused on the markets and the news, but to know where you stand in terms of your ability to meet your long-term goals. For each of our clients, we evaluate their current situation, their goals and their risk tolerance to calculate their Probability of Success, which includes not running out of money in retirement! If you’re unsure of your probability of success in achieving your goals, one of our advisors would be happy to help you find answers through our Vision Clarifier process.Just give us a call to schedule!

 

Financial Planning & Investment Advisory services offered through Beacon Wealth Consultants, Inc.

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