health insurance rates have been increasing year after year and employers have been forced to make some drastic changes in their employee benefit programs. Many employers have changed their health insurance to high deductible plans. Dental Insurance has been discontinued by some companies as well as vision care. Disability programs have been trimmed down as well as group life insurance. This has created gaps in coverage and employees have had to look for alternatives for coverage that has been omitted or decreased in their benefit package. The answer to this problem has come in the form of supplemental health insurance. Supplemental health insurance companies will enroll employees with these products and the premiums are paid through payroll deduction. Supplemental health Insurance Products 1. Disability Insurance û Supplemental disability insurance is sold to employees to fill in gaps or replace lost benefits. Long term and short term disability insurance can be purchased with a variety of waiting periods and benefit periods. 2. Life Insurance û Supplemental life insurance includes a variety of permanent plans as well as term life insurance. There are non-medical life policies available for larger groups when a certain amount of employees participate in the plan. 3. Dental Insurance û This is one of the more popular supplemental health products because it usually the first discontinued by the employer. 4. Cancer Insurance û The cancer policy is a single need policy with relatively low premiums. 5. Accident Insurance û The accident policy covers accidental injury and death. There are accident disability riders on some accident policies. 6. Hospital Income û The hospital income policy pays a daily dollar rate to the insured while hospitalized. These policies can pay as low as $10 per day and as high as $200 for each day hospitalized. The need for supplemental insurance is stronger than ever before. These policies can also be purchased on an individual basis with most companies. Title: Taking A New Look At Annuities Word Count: 279 Summary: A growing number of individuals looking for new sources of retirement income are considering annuities. Keywords: Taking A New Look At Annuities Article Body: A growing number of individuals looking for new sources of retirement income are considering annuities. An annuity is a type of contract between a private individual and a financial services or life insurance company. The individual pays a sum of money that is invested
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piece is an abstract triptych that I found while I was in Atlanta buying religious paintings The piece was called Guardian Angel and I love it My patrons fell in love with it as well They have asked me to track down the artist and see if he has anymore religious paintings available The only religious paintings that I actually do not buy are ones that reflect the image of Jesus on the cross I don’t have a problem with them some of them are extremely well done and would more than likely sell well but my investors made it very clear when they financed the gallery that I would not put that image into it PPPPP 683 Ajello Candles The motto of the Ajello Candle Company is “It’s better to light a candle than to curse the darkness” This candle making company has been in business since 1775 The business has been family owned for seven generations The candles from Ajello’s are well known for their beauty and quality While they make more candles now than in 1775 their dedication to quality and to customers has never changed The Ajello Candle Company was founded by Rafael Ajello an Italian painter He was also a beekeeper so he tried his hand at using bees wax to create candles He worked hard to create a formula that worked well The formula combined with his outstanding artistic ability lead to the birth of the Ajello Candle Company In 1785 the company earned the honor of creating all the candles for the Vatican He and his wife ran the business keeping their children involved in the processes from an early age As time went on their children and grandchildren kept the business running as well as passed the family business on to their children By 1862 the company had established itself as a leader among the candle making industry They had also added perfumes and many .

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