Aneka Info

Before we begin to examine why with insurance broker could be the perfect way to let you buy your dealer of motor insurance the insurance industry start with a few supposed truths about.

Figure 1 - be honest from the start and we say it - most people do not like insurance. For most people, losses occur infrequently and therefore they don't actually see numbers from insurance premiums year after year and still they real benefit.

No. 2 - the most people (even those who have suffered a loss and have a right) see insurance as too expensive with actual insurance companies seen as access and have no purpose save money to make money.

No. 3 - people insurance see as either boring and sold by men in suits or sold with annoying advertising on the TV promising cheap or the cheapest insurance and provides call centers that have seemingly replaced customer service queues with employees who don't really know, what they're talking about.

If you are a motor dealer, who must buy trade motor insurance, and one of the above 3 points ring one with you, then you must really Bell read on and discover only 4 reasons why use as insurance broker could be just, what you need, when you buy your business insurance next.

The first reason for using an insurance broker is that they can save you time. Yes could you spend time trawling the Internet, through the yellow pages or a selection of insurance companies ringing, but you could also just 1 insurance broker contact and let it do the work for you. As a motor dealer, that you are, I'm sure could better elsewhere use time provided.

The second reason why you might use an insurance broker for the purchase of motor traders want to insurance, is that if they are independent (that is, they have access to more than a policy) you can search, find the best coverage. Cover, which is in some cases everywhere else not be available.

Another reason for choosing an insurance broker is that they very often a level of service can offer you, you find not elsewhere. Go directly to an insurance company and there is every chance that you will be faced with queues, call centres and people without a real understanding of your needs. You however choose the right insurance broker who understands the auto trade, and you benefit from the advice and guidance to reduce the exposure to risk. And the loss occurs, that is quickly and conveniently settled also on your behalf to ensure that your claim will act.

The fourth and final reason use an insurance broker only, you need when buy auto trade is insurance, that she could save money could be and we want all undoubtedly less for our insurance will pay. Therefore, a good broker will can use the facilities, which have with leading insurance companies, so the coverage, the service, the time savings and benefit the premium savings all from the same source.

Motor insurance trade does not have too complicated or expensive to find the right broker and make sure that the price is right for your business insurance.

Florida health insurance policy for medium-sized businesses is easier than a single health insurance, claim to, even if you are not in the best health. There are various health insurance laws of Florida small business. These laws require health insurance companies, any small business to sell a group insurance health of Florida. The State of Florida enterprises employ but not more than 50 small groups with at least 2 employees.

The Florida small businesses to qualify for health insurance, an employee must meet certain conditions. The staff should be used under an employer runs a legitimate business. Government rules prevent health insurance companies deny insurance to individuals in small group policy. Additionally, as a backup for groups in Florida small business health insurance, insured allow the rules for State health insurance, no plans to cancel, as one of the insured person require it.

A small business travel medical insurance policy has countless benefits. In addition to providing the best medical care for business owners and members (employees), Florida small business health insurance reduces the financial risk of the individual members. Lower premiums and widespread coverage are some of the most important features of these types of policies.

Price of Florida small business health insurance is based on a standard rate, which on average, the risk associated with each is individual in the group. Within a small business health insurance can individuals up to 15% more or less value, pay the standard depending on their medical conditions. Healthy people could end up paying more in a small business health insurance as an individual health insurance. This is because the composition of the Group of the prices.

A woman goes into the restaurant, and you are sticking by a nail out of the planks to raised. It seems fine, but it is a week later back with a lawyer and a neck brace. Apparently she hit her head in this case, and is not as good. Or maybe you're a mechanic and a customer moved in your business and cut his leg. Perhaps you have a pet store, and a little girl had a nasty bite of stick their finger in the mouse cage. What is only a part of the cost of doing business of your company's liability.

It is almost impossible to run a business without liability insurance, and in many places it is also a legal necessity. Business insurance covers liability cases, so that you cannot afford (like medical bills pay someone else) risk is replaced by one, you you (such as a monthly premium can afford).

Other types of liability include fire legal liability, which means that you are damaging in the event of fire. If you have forgotten, contact for the night, and this causes a standstill heater damage to your landlord property before you head then you are home, and the damage caused by the fire legal liability part of your business insurance are covered.

Liability is not the only type of insurance of business insurance are covered. Business insurance can insurance for Office, protection of the building (if you have it) and the equipment also as a home owner, property that act within. That responsible homeowners do not have protected his home from fire? Should be not for your company and the same precautions taken?

If your company will be destroyed, a business insurance policy would cover things such as desks, chairs, seating in your reception desk, computers, devices and is something of value, a part of your business operation. Business insurance can also cover against things such as loss of income, earthquake, and in some areas even floods.

If a natural disaster way you take your business, your business insurance policy is like an umbrella, help protect you and your family from the losses and break your fall, so to speak. Your business insurance is to again establish that you and go with your life.

If you are an employer, you must have also worker compensation insurance. This insurance protects you a your employees in injured at work. Your insurance will pay for treatments for your injured employees.

Insurance, other insurance can contain vehicles for an uninsured or underinsured driver, health insurance for yourself and your employees, and life insurance for your company. Well on your employees and offers them is a sure way to win and to keep the best employees possible benefits.

A small accident could destroy only to a small business, unless that company against the disaster is insured. If you could hold an emergency situation, why would not you? Take care to ensure that your company is properly insured and thoroughly is only a step in the direction of running a successful business, but it is a crucial a. Insurance is not an option, there is a need.

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Saving on your small business health insurance can be a challenge. But there are ways to overcome the financial obstacles and get the coverage necessary for your business. There are two major benefits of employer-based coverage. First these plans, although expensive, usually carry the best all around protection for you and your employees. Second, providing benefits plays a key role in attracting and retaining quality employees.

Why is coverage for small businesses so much more than for large corporations?

Health insurance for small businesses cost so much because of the high quality coverage concentrated among a small group of people. Every individual within the group represents a different level of financial risk to an insurance company, and this risk is added up and spread out among the group. Large corporations pay considerably less because the risk is spread to such a large group, where small business owners can see unreasonably high increases in premiums due to one or two members. Small businesses also have to insure their employees under state mandates, which can require the policies to cover some specific health conditions and treatments. Large corporations' policies are under federal law, usually self-insured, and with fewer mandated benefits. The Erisa Act of 1974 officially exempted self-funded insurance policies from state mandates, lessening the financial burdens of larger firms.

Isn't the Health Care Reform Bill going to fix this?

This remains to be seen. There will be benefits for small business owners in the form of insurance exchanges, pools, tax credits, subsidies etc. But you can't rely on a bill that is still in the works, and you can't wait for a bill where the policies set forth won't take effect until about 2013. Additionally, the bill will help you with costs, but still won't prevent those costs from continually rising. You, as a business owner, will need to be fully aware of what you can do to maintain your bottom line.

What can I do?

First you need to understand the plan options out there. So here they are.

PPO

A preferred provider option (PPO) is a plan where your insurance provider uses a network of doctors and specialists. Whoever provides your care will file the claim with your insurance provider, and you pay the co-pay.

Who am I allowed to visit?

Your provider will cover any visit to a doctor or specialist within their network. Any care you seek outside the network will not be covered. Unlike an HMO, you don't have to get your chosen doctor registered or approved by your PPO provider. To find out which doctors are in your network, simply ask your doctor's office or visit your insurance company's website.

Where Can I Get it?

Most providers offer it as an option in your plan. Your employees will have the option to get it when they sign their employment paperwork. They generally decide on their elections during the open enrollment period, because altering the plan after this time period won't be easy.

And Finally, What Does It Cover?

Any basic office visit, within the network that is, will be covered under the PPO insurance. There will be the standard co-pay, and dependent upon your particular plan, other types of care may be covered. The reimbursement for emergency room visits generally range from sixty to seventy percent of the total costs. And if it is necessary for you to be hospitalized, there could be a change in the reimbursement. Visits to specialists will be covered, but you will need a referral from your doctor, and the specialist must be within the network.

A PPO is an expensive, yet flexible option for your small business health insurance. It provides great coverage though, and you should inquire with your provider to find out how you can reduce the costs.

HMO (Health Maintenance Organization)

Health Maintenance Organizations (HMOs) are the most popular small business health insurance plans. Under an HMO plan you will have to register your primary care physician, as well as any referred specialists and physicians. Plan participants are free to choose specialists and medical groups as long as they are covered under the plan. And because HMOs are geographically driven, the options may be limited outside of a specific area.

Health maintenance organizations help to contain employer's costs by using a wide variety of prevention methods like wellness programs, nurse hotlines, physicals, and baby-care to name a few. Placing a heavy emphasis on prevention cuts costs by stopping unnecessary visits and medical procedures.

When someone does fall ill, however, the insurance provider manages care by working with health care providers to figure out what procedures are necessary. Usually a patient will be required to have pre-certification for surgical procedures that aren't considered essential, or that may be harmful.

HMOs are less expensive than PPOs, and this preventative approach to health care theoretically does keep costs down. The downside, however, is that employees may not pursue help when it is needed for fear of denial. That aside, it is a popular and affordable plan for your small business health insurance.

POS (Point of Service)

A Point of Service plan is a managed care insurance similar to both an HMO and a PPO. POS plans require members to pick a primary health care provider. In order to get reimbursed for out-of-network visits, you will need to have a referral from the primary provider. If you don't, however, your reimbursement for the visit could be substantially less. Out-of-network visits will also require you to handle the paperwork, meaning submit the claim to the insurance provider.

POSs provide more freedom and flexibility than HMOs. But this increased freedom results in higher premiums. Also, this type of plan can put a strain on employee finances when non-network visits start to pile up. Assess your needs and weigh all your options before making a decision.

EPO

An Exclusive Provider Organization Plan is another network-based managed care plan. Members of this plan must choose from a health care provider within the network, but exceptions can be made due to medical emergencies. Like HMOs, EPOs focus on preventative care and healthy living. And price wise, they fall between HMOs and PPOs.

The differences between an EPO and the other two organization plans are small, but important. While certain HMO and PPO plans offer reimbursement for out-of-network usage, an EPO does not allow its members to file a claim for doctor visits out its network. EPO plans are more restrictive in this respect, but are also able to negotiate lower fees by guaranteeing health care providers that it's members will use in-network doctors. These plans are also negotiated on a fee-for-services basis, whereas HMOs are on a per-person basis.

HSA (Health Savings Account)

An HSA is a tax-advantaged account used to pay existing and future medical expenses. HSAs are used in conjunction with high-deductible health plans (HDHP), which will make some with pre-existing conditions ineligible. Also, HSAs must be funded with cash. Communicating the terms of this account to your employees is important, as a large number of HSAs are underfunded or improperly funded. The health savings accounts were signed into the law by George Bush in 2003, and have become an affordable alternative to a group health plan.

When inquiring about an HSA, there will be a few things you will want to clarify. While HSAs generally cover routine medical expenses and copays, some can provide dental and vision care as well. And since HSAs can be combined with certain compatible plans, it is important to understand how money from the account will be allocated. And finally, you will want to know about cashing out your HSA balance. The amount is taxable and could be subject to a ten percent excise tax.

HRA (Health Reimbursement Arrangement)

An HRA is exactly what it sounds like. The employer reimburses the employee for health care. As an employer, you will usually have the option to contribute to a reimbursement fund, or to pay fees as they are incurred. These reimbursements can be deducted from your taxes, and are tax-free for your employees, saving you both money.

Some providers empower employers by giving them more options. HRAs, unlike HSAs, don't have to be funded with cash money, placing a book keeping entry on your balance sheet is enough. You can usually control aspects of your arrangement such as reimbursement limits, whether you or your employee pays first, and if the previous year's funds roll over.

HRAs are becoming a more popular option because of the control it has given small businesses. Combined with a high deductible health plan (HDHP), an HRA could be the most cost-effective solution to your small business health insurance problems. It's always best to compare these plans to PPOs, HMOs, and EPOs to know what works best.

Fee for Service (FFS) or Traditional Indemnity

A fee for service plan is the most flexible small business health insurance option. You choose your doctor, and your hospital. You can see a specialist without a referral. This flexibility, however, comes with more out-of-pocket expenses and higher insurance premiums.

The typical FFS plan has a deductible ranging anywhere from five to fifteen hundred dollars. After this amount is reached, the provider will pick up eighty percent of your medical bills, and require you to pay the remaining twenty percent. Because of the rising costs of health care, and the potential for a small number of doctor's visits to cost thousands, these plans can become incredibly expensive.

Flexible Spending Account (FSA)

A flexible spending account is a savings account to be used for medical expenses, and is funded by pre-tax dollars. Using pre-tax dollars means that your employees will actually show that they have less income, and will therefore have less taxes withheld. As an employer, you set the limit on contributions to the account per year. In addition to the employee contribution, you can also credit the account, or fund it completely from your general assets.

An FSA, especially if combined with an HDHP, can significantly reduce the costs of small business health insurance.

You should be forewarned, money from FSA accounts cannot be rolled over. They are, however, available to use for two years and two and half months after the benefit year. A terminated employee won't be able to use leftover funds, unless there is a positive remaining balance and COBRA is elected.

Small business health insurance providers have made significant improvements in their services to simplify the administration of your plan. With HRAs, FSAs, and HSAs, your employees can use debit cards for medical transactions. Be sure to research this thoroughly. You will want to be sure your debit card plan is IRS compliant, and that you can use a large number of pharmacies. You should also pick a plan that can verify eligibility on the spot. Talk with your agent about linking transit, parking fees, and prescriptions to the same card. When picking the debit card options, please be sure to clarify the details of the substantion process. This is IMPORTANT! With other plans, the provider may assign someone to manage your plan. Or you may have to hire someone. Still, you should be able to login to your account and print insurance cards, important papers etc.

The next thing you can do is thoroughly assess your needs. Being that every member of your small business plays a key role in its success, it is vital that their needs are met. And understanding these needs is crucial to finding the right plan. Find out about chronic illnesses, and additional information related to past health issues. Know what your employees think about health insurance, and get them involved in the process.

Hiring an agent or a broker

Finding and understanding small business health insurance can be a daunting task. While some choose to go it alone, others need some professional assistance. You need to understand the difference between an agent and a broker, and how you can get the most from either of them.

A broker

Brokers function independently and usually work for several different companies. Since they have a variety of resources, they can usually provide more options and a better overall view of the marketplace. Brokers will assist you by evaluating the costs and designs of plans from your local major carriers. The cost isn't everything, you want to get the coverage that you need.

Ask the broker how he or she is getting paid for their services. They should readily divulge that information. Some brokers may charge you a flat free. Some receive a fee from an employer, while others receive a commission from the insurance provider. Any commissions could be reflected in your premiums, but not to the point that you should worry.

An agent

Agents typically provide services for one company. They have a closer relationship to the insurance company than a broker would, giving them more leverage to make alterations to your plan. In some cases they can offer a particular plan for less than a broker, and may have access to additional services like worker's compensation. To find out what different providers have to offer, talk to more than one agent. It may be time-consuming, but it could bring you closer to the most cost-effective solution for your small business health insurance.

One of the common options presented by agents is the employee-elect option. This is an arrangement where employees pick the plan they prefer. Those who don't need as much coverage won't be forced to pay so much, and those who do need it can get it without increasing the financial burden of the company as a whole.

How to Save On Your Small Business Health Insurance Plan

What's important to remember is that there really is no inexpensive solution to health care. Even if your initial premiums are reasonably low, they could rise significantly at your next renewal. So saving money on small business health insurance is about doing a combination of things simultaneously to get good rates, and to then maintain those rates.. And it will require a consistent effort from you, your employees, and your insurance provider.

First, you can save yourself money by reading the fine print. You need to know exactly what your plan does and DOESN'T cover. There are also state mandated coverages. For example, in states like Illinois, your insurance must cover mammograms. Also, understanding the ins and outs of your plan will give you and your employees a better idea of how to deal with your insurance.

Next, you should shave unnecessary benefits. After reading all about your plan, you will find coverage for things you may not need. Eliminating these benefits can significantly drop monthly small business health insurance premiums. For example, eliminating coverage for brand name medications can reduce costs by more than 25 percent.

Wellness program have worked wonders for small businesses. A wellness program is any program designed to promote healthy living within the organization. Weight loss competitions benefit every participant. Add a financial incentive for further motivation. Stock the work fridge with water, and leave literature about healthy living lying around. Search the internet for calorie counting charts. Raising awareness entice workers to make positive changes. Active, exercising, diet-conscious employees have stronger immune systems, more vitality, and more productive workplaces. They also don't deal with as many health issues. Fewer doctor visits and hospitilizations will help maintain lower annual premiums, because it will prove to your insurance provider that your business is a low financial risk.

Increasing your co-pay and deductible can go a long way towards cutting costs. For instance, raising co-pays by just ten dollars has saved companies as much as thirteen percent on their premiums. A higher deductible will significantly reduce your monthly premium. To lessen the financial burden of high-deductible health plans (HDHPs), combine them with an HSA. Combinations like these have saved both business owners and employees bundles of cash.

Check into getting a nurse hotline. A nurse hotline is a toll free, 24-hour-a-day, seven-day-a-week service. Employees can get medical advice from qualified, registered nurses. This method has deterred a large number of people from emergency visits, and it can also be used for preventative care as well. Insurers like Nationwide have them, or you may have to purchase from a third-party provider.

Increase the size of your group to reduce your monthly small business health insurance premiums. In a survey by America's Health Insurance Plans, small businesses who employed ten people or less paid forty three more dollars on average than businesses with twenty six to fifty employees. Check around with other businesses owners, or fellow members of business organizations. Some states also have small business groups and pools for this purpose. Check with your state Chamber of Commerce and Department of Insurance.

Beware of heavily discounted plans. First, there are numerous scammers trying to get your money. They promise low rates, and usually cover little to nothing at all. The internet is notorious for swindlers trying to hustle you out of a buck. If you are going with a company you aren't familiar with, please do your research. On another note, even reputable companies present problems. In an attempt to gain market share, Blue Cross offered small businesses discounted rates in 2008. For 2009, some of these same businesses were set to see increases of as much as 47% in their premiums. As the costs of medical care increases, the costs are shifted from the insurer to the insured, and discount plans become overpriced plans quickly.

Shop around. As mentioned before, talking to different agents will expose you to the best that insurance providers have to offer. Ask other small business owners about their providers. You can use trusted online resources like Netquote and Ehealthinsurance to shop around instantly. These services also let you compare plans side by side, and allow you to purchase your plan online. Even after you get your initial plan, it's good to annually reevaluate your coverage. This will keep you on the up-and-up about what the market is offering. Keeping costs down is an ongoing effort, especially with rates and plans changing all the time from company to company.

Share some of the costs with your employees. Raising employee contributions isn't a popular option, but it may be one of the only ways to absorb costs and maintain small business health insurance coverage. Communicate with your employees about how to keep costs down, and remind them that their increase is your increase as well.

The sad truth is that, no matter how many cost-cutting methods you apply, your insurance premiums are expected to continually rise. In addition to this, you can't prevent every health problem with exercise and higher co-pays.

The Health Care Reform Bill won't kick in until about 2013, so waiting on its benefits won't do you any good. There is definitely a need for change, because the current system discourages competition and growth. With smaller businesses functioning as the backbone of this ailing economy, company medical insurance must BE affordable, and STAY affordable.

As a Carpenter, you need insurance that specifically to your needs, a policy that fits your business.

Simply not A one size fits all insurance it cut.

Make sure that you find an insurance offers, exclusively in insurance for Tradies and above all joiners.

Some insurance companies are specialised in home and contents insurance or travel insurance - what you need is a Tradies insurance company. Their businesses understand their insurance consultant must like carpenters and other traders to lead.

Further, to facilitate the cost of the insurance, you are looking for an insurance company, the the carpenters, the premium from month to month without paying additional costs!

Your insurance Advisor should questions specifically for a carpenter is, so that you are fully covered. For example, if you are a Carpenter you probably have a vehicle work and it is likely that you have a trailer. Although it is likely you have insurance cover for your work car, what is it with your followers and all the tools and stock? You have everything, what to cover!

Ask your insurance Advisor bundle your insurance in a Carpenter insurance package. You cover against injuries to other persons and damage to property owned by others with public liability insurance, cover your tools and gears with tools insurance, your Ute with work vehicle insurance and your business with a tax audit, legal liability, transit, theft, and property.

Carpenter should also note that it is a reflection of disease & injury insurance (formerly income protection), because it 24 hours a week, covers you on a day, 7 days whether you at work or not. Income insurance policy will provide the peace of mind, a Carpenter needs so you risk your livelihood is not at risk.

Carpenter be sometimes confused with income protection WorkCover. If you are at the top and set of the work for a long time, there is disease & injury insurance (formerly income protection insurance), you keep the money flow to pay your bills and other living costs as you recover.

24 / 7 Income insurance caps of carpenters anywhere and at any time. You are covered if you wipe you surf, get ripped off by a seasonal flu or you treat a head injury by falling off a ladder at home. Their incomes are geschützte-but only if you have insurance illness & injury!

Carpenter should also Carpenter business insurance questions the business insurance products such as General property, legal liability, audit and transit can contain.

Carpenter business property insurance provides protection against loss or damage to buildings, contents and a share, the may be the result of fire, storm, and water. Theft by you on the ground is also covers your contents and Commons.

Carpenter business insurance covers your premises for fraction on glass by a tiny fraction of the total thickness of the external or internal glass expand. It includes also building owned by you or for which you are legally responsible and this includes improvements to this location devices, fittings and u-Bahn or ground services, walls, gates, fences and all other structures.

Compare insurance companies by organising an offer to and check the exclusions, so you benefit from a certain carpenters insurance package to suit your needs and at an affordable price.

I have been a health insurance broker for over a decade and every day I read more and more "horror" stories that are posted on the Internet regarding health insurance companies not paying claims, refusing to cover specific illnesses and physicians not getting reimbursed for medical services. Unfortunately, insurance companies are driven by profits, not people (albeit they need people to make profits). If the insurance company can find a legal reason not to pay a claim, chances are they will find it, and you the consumer will suffer. However, what most people fail to realize is that there are very few "loopholes" in an insurance policy that give the insurance company an unfair advantage over the consumer. In fact, insurance companies go to great lengths to detail the limitations of their coverage by giving the policy holders 10-days (a 10-day free look period) to review their policy. Unfortunately, most people put their insurance cards in their wallet and place their policy in a drawer or filing cabinet during their 10-day free look and it usually isn't until they receive a "denial" letter from the insurance company that they take their policy out to really read through it.

The majority of people, who buy their own health insurance, rely heavily on the insurance agent selling the policy to explain the plan's coverage and benefits. This being the case, many individuals who purchase their own health insurance plan can tell you very little about their plan, other than, what they pay in premiums and how much they have to pay to satisfy their deductible.

For many consumers, purchasing a health insurance policy on their own can be an enormous undertaking. Purchasing a health insurance policy is not like buying a car, in that, the buyer knows that the engine and transmission are standard, and that power windows are optional. A health insurance plan is much more ambiguous, and it is often very difficult for the consumer to determine what type of coverage is standard and what other benefits are optional. In my opinion, this is the primary reason that most policy holders don't realize that they do not have coverage for a specific medical treatment until they receive a large bill from the hospital stating that "benefits were denied."

Sure, we all complain about insurance companies, but we do know that they serve a "necessary evil." And, even though purchasing health insurance may be a frustrating, daunting and time consuming task, there are certain things that you can do as a consumer to ensure that you are purchasing the type of health insurance coverage you really need at a fair price.

Dealing with small business owners and the self-employed market, I have come to the realization that it is extremely difficult for people to distinguish between the type of health insurance coverage that they "want" and the benefits they really "need." Recently, I have read various comments on different Blogs advocating health plans that offer 100% coverage (no deductible and no-coinsurance) and, although I agree that those types of plans have a great "curb appeal," I can tell you from personal experience that these plans are not for everyone. Do 100% health plans offer the policy holder greater peace of mind? Probably. But is a 100% health insurance plan something that most consumers really need? Probably not! In my professional opinion, when you purchase a health insurance plan, you must achieve a balance between four important variables; wants, needs, risk and price. Just like you would do if you were purchasing options for a new car, you have to weigh all these variables before you spend your money. If you are healthy, take no medications and rarely go to the doctor, do you really need a 100% plan with a $5 co-payment for prescription drugs if it costs you $300 dollars more a month?

Is it worth $200 more a month to have a $250 deductible and a $20 brand name/$10 generic Rx co-pay versus an 80/20 plan with a $2,500 deductible that also offers a $20 brand name/$10generic co-pay after you pay a once a year $100 Rx deductible? Wouldn't the 80/20 plan still offer you adequate coverage? Don't you think it would be better to put that extra $200 ($2,400 per year) in your bank account, just in case you may have to pay your $2,500 deductible or buy a $12 Amoxicillin prescription? Isn't it wiser to keep your hard-earned money rather than pay higher premiums to an insurance company?

Yes, there are many ways you can keep more of the money that you would normally give to an insurance company in the form of higher monthly premiums. For example, the federal government encourages consumers to purchase H.S.A. (Health Savings Account) qualified H.D.H.P.'s (High Deductible Health Plans) so they have more control over how their health care dollars are spent. Consumers who purchase an HSA Qualified H.D.H.P. can put extra money aside each year in an interest bearing account so they can use that money to pay for out-of-pocket medical expenses. Even procedures that are not normally covered by insurance companies, like Lasik eye surgery, orthodontics, and alternative medicines become 100% tax deductible. If there are no claims that year the money that was deposited into the tax deferred H.S.A can be rolled over to the next year earning an even higher rate of interest. If there are no significant claims for several years (as is often the case) the insured ends up building a sizeable account that enjoys similar tax benefits as a traditional I.R.A. Most H.S.A. administrators now offer thousands of no load mutual funds to transfer your H.S.A. funds into so you can potentially earn an even higher rate of interest.

In my experience, I believe that individuals who purchase their health plan based on wants rather than needs feel the most defrauded or "ripped-off" by their insurance company and/or insurance agent. In fact, I hear almost identical comments from almost every business owner that I speak to. Comments, such as, "I have to run my business, I don't have time to be sick! "I think I have gone to the doctor 2 times in the last 5 years" and "My insurance company keeps raising my rates and I don't even use my insurance!" As a business owner myself, I can understand their frustration. So, is there a simple formula that everyone can follow to make health insurance buying easier? Yes! Become an INFORMED consumer.

Every time I contact a prospective client or call one of my client referrals, I ask a handful of specific questions that directly relate to the policy that particular individual currently has in their filing cabinet or dresser drawer. You know the policy that they bought to protect them from having to file bankruptcy due to medical debt. That policy they purchased to cover that $500,000 life-saving organ transplant or those 40 chemotherapy treatments that they may have to undergo if they are diagnosed with cancer.

So what do you think happens almost 100% of the time when I ask these individuals "BASIC" questions about their health insurance policy? They do not know the answers! The following is a list of 10 questions that I frequently ask a prospective health insurance client. Let's see how many YOU can answer without looking at your policy.

1. What Insurance Company are you insured with and what is the name of your health insurance plan? (e.g. Blue Cross Blue Shield-"Basic Blue")

2. What is your calendar year deductible and would you have to pay a separate deductible for each family member if everyone in your family became ill at the same time? (e.g. The majority of health plans have a per person yearly deductible, for example, $250, $500, $1,000, or $2,500. However, some plans will only require you to pay a 2 person maximum deductible each year, even if everyone in your family needed extensive medical care.)

3. What is your coinsurance percentage and what dollar amount (stop loss) it is based on? (e.g. A good plan with 80/20 coverage means you pay 20% of some dollar amount. This dollar amount is also known as a stop loss and can vary based on the type of policy you purchase. Stop losses can be as little as $5,000 or $10,000 or as much as $20,000 or there are some policies on the market that have NO stop loss dollar amount.)

4. What is your maximum out of pocket expense per year? (e.g. All deductibles plus all coinsurance percentages plus all applicable access fees or other fees)

5. What is the Lifetime maximum benefit the insurance company will pay if you become seriously ill and does your plan have any "per illness" maximums or caps? (e.g. Some plans may have a $5 million lifetime maximum, but may have a maximum benefit cap of $100,000 per illness. This means that you would have to develop many separate and unrelated life-threatening illnesses costing $100,000 or less to qualify for $5 million of lifetime coverage.)

6. Is your plan a schedule plan, in that it only pays a certain amount for a specific list of procedures? (e.g., Mega Life & Health & Midwest National Life, endorsed by the National Association of the Self-Employed, N.A.S.E. is known for endorsing schedule plans) 7. Does your plan have doctor co-pays and are you limited to a certain number of doctor co-pay visits per year? (e.g. Many plans have a limit of how many times you go to the doctor per year for a co-pay and, quite often the limit is 2-4 visits.)

8. Does your plan offer prescription drug coverage and if it does, do you pay a co-pay for your prescriptions or do you have to meet a separate drug deductible before you receive any benefits and/or do you just have a discount prescription card only? (e.g. Some plans offer you prescription benefits right away, other plans require that you pay a separate drug deductible before you can receive prescription medication for a co-pay. Today, many plans offer no co-pay options and only provide you with a discount prescription card that gives you a 10-20% discount on all prescription medications).

9. Does your plan have any reduction in benefits for organ transplants and if so, what is the maximum your plan will pay if you need an organ transplant? (e.g. Some plans only pay a $100,000 maximum benefit for organ transplants for a procedure that actually costs $350-$500K and this $100,000 maximum may also include reimbursement for expensive anti-rejection medications that must be taken after a transplant. If this is the case, you will often have to pay for all anti-rejection medications out of pocket).

10. Do you have to pay a separate deductible or "access fee" for each hospital admission or for each emergency room visit? (e.g. Some plans, like the Assurant Health's "CoreMed" plan have a separate $750 hospital admission fee that you pay for the first 3 days you are in the hospital. This fee is in addition to your plan deductible. Also, many plans have benefit "caps" or "access fees" for out-patient services, such as, physical therapy, speech therapy, chemotherapy, radiation therapy, etc. Benefit "caps" could be as little as $500 for each out-patient treatment, leaving you a bill for the remaining balance. Access fees are additional fees that you pay per treatment. For example, for each outpatient chemotherapy treatment, you may be required to pay a $250 "access fee" per treatment. So for 40 chemotherapy treatments, you would have to pay 40 x $250 = $10,000. Again, these fees would be charged in addition to your plan deductible).

Now that you've read through the list of questions that I ask a prospective health insurance client, ask yourself how many questions you were able to answer. If you couldn't answer all ten questions don't be discouraged. That doesn't mean that you are not a smart consumer. It may just mean that you dealt with a "bad" insurance agent. So how could you tell if you dealt with a "bad" insurance agent? Because a "great" insurance agent would have taken the time to help you really understand your insurance benefits. A "great" agent spends time asking YOU questions so s/he can understand your insurance needs. A "great" agent recommends health plans based on all four variables; wants, needs, risk and price. A "great" agent gives you enough information to weigh all of your options so you can make an informed purchasing decision. And lastly, a "great" agent looks out for YOUR best interest and NOT the best interest of the insurance company.

So how do you know if you have a "great" agent? Easy, if you were able to answer all 10 questions without looking at your health insurance policy, you have a "great" agent. If you were able to answer the majority of questions, you may have a "good" agent. However, if you were only able to answer a few questions, chances are you have a "bad" agent. Insurance agents are no different than any other professional. There are some insurance agents that really care about the clients they work with, and there are other agents that avoid answering questions and duck client phone calls when a message is left about unpaid claims or skyrocketing health insurance rates.

Remember, your health insurance purchase is just as important as purchasing a house or a car, if not more important. So don't be afraid to ask your insurance agent a lot of questions to make sure that you understand what your health plan does and does not cover. If you don't feel comfortable with the type of coverage that your agent suggests or if you think the price is too high, ask your agent if s/he can select a comparable plan so you can make a side by side comparison before you purchase. And, most importantly, read all of the "fine print" in your health plan brochure and when you receive your policy, take the time to read through your policy during your 10-day free look period.

If you can't understand something, or aren't quite sure what the asterisk (*) next to the benefit description really means in terms of your coverage, call your agent or contact the insurance company to ask for further clarification.

Furthermore, take the time to perform your own due diligence. For example, if you research MEGA Life and Health or the Midwest National Life insurance company, endorsed by the National Association for the Self Employed (NASE), you will find that there have been 14 class action lawsuits brought against these companies since 1995. So ask yourself, "Is this a company that I would trust to pay my health insurance claims?

Additionally, find out if your agent is a "captive" agent or an insurance "broker." "Captive" agents can only offer ONE insurance company's products." Independent" agents or insurance "brokers" can offer you a variety of different insurance plans from many different insurance companies. A "captive" agent may recommend a health plan that doesn't exactly meet your needs because that is the only plan s/he can sell. An "independent" agent or insurance "broker" can usually offer you a variety of different insurance products from many quality carriers and can often customize a plan to meet your specific insurance needs and budget.

Over the years, I have developed strong, trusting relationships with my clients because of my insurance expertise and the level of personal service that I provide. This is one of the primary reasons that I do not recommend buying health insurance on the Internet. In my opinion, there are too many variables that Internet insurance buyers do not often take into consideration. I am a firm believer that a health insurance purchase requires the level of expertise and personal attention that only an insurance professional can provide. And, since it does not cost a penny more to purchase your health insurance through an agent or broker, my advice would be to use Ebay and Amazon for your less important purchases and to use a knowledgeable, ethical and reputable independent agent or broker for one of the most important purchases you will ever make....your health insurance policy.

Lastly, if you have any concerns about an insurance company, contact your state's Department of Insurance BEFORE you buy your policy. Your state's Department of Insurance can tell you if the insurance company is registered in your state and can also tell you if there have been any complaints against that company that have been filed by policy holders. If you suspect that your agent is trying to sell you a fraudulent insurance policy, (e.g. you have to become a member of a union to qualify for coverage) or isn't being honest with you, your state's Department of Insurance can also check to see if your agent is licensed and whether or not there has ever been any disciplinary action previously taken against that agent.

In closing, I hope I have given you enough information so you can become an INFORMED insurance consumer. However, I remain convinced that the following words of wisdom still go along way: "If it sounds too good to be true, it probably is!" and "If you only buy on price, you get what you pay for!"

©2007 Small Business Insurance Services, Inc. http://www.smallbusinessinsuranceservices.com

What is the cover offered on group health Insurance policy?

Group health Insurance plans can be defined as an insurance coverage through an employer or other entity that covers all individuals in the group.

Group health insurance is something that everyone wishes they had since groups get better rates than individuals when it comes to health care (insurance in general). Many people who are self employed or want the best rates incorporate to give the insurance company the look of a larger corporation and they try to obtain cheaper health insurance rates. Group insurance is discounted when compared to individual health insurance so getting on a group plan is a plus. Keep in mind that group insurance is just part of the equation. Deductibles, co pays, and other variables go into the rate you get, so individual health insurance or family health insurance may be just as affordable in the long run.

A group health Insurance policy is an Insurance cover which is arranged by an employer for his employees. This type of Insurance cover enables the employer to pay only part of the premium for the Insurance policy covering his employees.

Essentially Group health Insurance plan is an Insurance policy applied for by the employer to cover his employee's medical expenses. Formerly an employer was expected to 100% employee benefits but now an employer only has to contribute just a part of the employee's insurance premium.

With the new law passed by Congress, the employee's net expenses for the group health insurance policy have been greatly reduced.

How can businesses benefit from this policy?

It is a well known truth that group health insurance plans are greatly valued by employees, most employees even place group health insurance policy second after monetary compensation. Organizations who have in place such policies have confirmed that group health insurance policies have enabled them employ and retain the best hands in their business. Employers are not left out from enjoying the benefits of group health insurance plans; most employers have not yet purchased health for themselves. They stand to get a better and cheaper insurance plan if they purchase Insurance via a company than if they were to purchase an individual health insurance policy.

A group medical insurance policy offers an additional special bonanza in the form of tax incentives for the employer and employees. For instance, as an employer you stand in a position to reduce your payroll taxes, but providing your employees with group health Insurance as part of a whole payment compensation package, thereby deducting 100% of the premium that you would have had to pay on a qualifying group health insurance plan. Also your employees would be able to pay their part of their monthly premium using pre-tax funds.

Although an employer is required to pay some percentage of an employee's individual premium, which ranges from 25% to 50%, depending on the state's laws and the insurance company. Also, if the employee wants to extend coverage to a spouse or dependant, the employer may choose to pay a percentage of that cost, but is not required to do so. Without ant question group health insurance is the most affordable health insurance available today, so if as an employee you're given that option, you should really consider it, Often, spouses and children can be included under such a plan.

What are the factors you need to watch for a good group health insurance policy?

Employers may choose to offer free-service insurance plans, preferred service supplier or a health maintenance plan. Available on the Internet are group health insurance instant quotes, most health insurance organizations also provide group health insurance quotes via their network of agents in addition of making it available for visitors to their offices.

One of the factors an organization need to watch out for in a group health insurance policy is the bottom line. It is no more or less than simply this: group health insurance is less expensive than a couple of individual policies. This is the truth. But, it still is not cheap, in fact no health care program in America is.

Employers may use the guidelines below to select a health insurance plan that meets your needs:

Employers are encouraged to choose Group health insurance plans that suits their needs, whether it is the preferred service supplier, traditional insurance cover or the health maintenance plan.

If one wants to run a successful and profitable Affiliate Business, then they will want to follow this blue print. This company has a unique process that provides affiliate members the ability to purchase both life time customers and down line affiliate members. It is called cooperative marketing. Cooperative marketing allows affiliate members to acquire both customers and affiliate members through media advertising on TV, Radio, and the Internet.

An affiliate member can purchase customers and affiliate members; through a process call bundle purchases. Each bundle comes in a package of three. These bundles can consist of all members (customers only) or affiliate members (or a customer who has also chosen to be an affiliate). The bundles come mixed and matched; some can be customers, some can be two customers and one affiliate, some can be one customer and two affiliates, and some end up being all affiliates.

They are packaged as the calls come in so no one knows how each bundle will turn out. To become an affiliate this process is 100% free.

The point is this; when an affiliate purchases a bundle they are getting at the minimum a paying customer. So what is the significance of this to the affiliate; they get what is called a hot lead. Not a warm lead, but a hot one. Why, because they have already decided that they want the product and have made a purchase.

It cannot get any better than this. On the internet this would be considered a click through. An affiliate's success is determined by how many bundles they purchase each month.

The more bundles that they buy the faster their business grows. They can count on the advertising dollars that they spend, to bring in solid results every time. So for every advertising dollar they spend they are guaranteed three customers.

So is there a catch? Well yes and no; when bundles are purchased then the affiliate is required to immediately go to work!

Unlike most direct sells or MLM/Network marketing companies; affiliates are generally left on their own to find customers and to create their own sells, whether it is utilizing online leads, warm market resources, or word of mouth advertising.

However with this company each affiliate is provided with instant customers and an affiliate pool to draw from.

There is no guarantee that these customers or affiliates will stick around, but it is clear that they are looking for what is being offered as they would not be answering the ad on the television commercial if this were not so.

Reading the remainder of this article will give one greater details on how cooperative marketing can work for them.

The company products are predicated on the customer having a wellness experience through the use of these products. The key is for customers and customer affiliates to have a personal wellness experience, or they will fade away very quickly.

So the first task of an affiliate is to learn about the company products; why they are different from other products in the market, and why and how they actually work. Once an affiliate can identify with this company's bio-technology, they understand why this particular company is having a resounding positive success in the market place.

Affiliates need to learn about why thousands of customers are having successful wellness experiences after using these products. Once they understand this and embraced this they are ready and prepared to share these results and testimonies with others. In most cases affiliates themselves have their own personal wellness experience when taking these products, such as in my case.

This company was built on providing their customers with wellness experiences as their products are consumed. Once this occurs customers will remain a customer and continue to reorder month after month. So prior to becoming an active affiliate, it is imperative that one becomes familiar with wellness experiences first hand, through an acquaintance, a family member, a friend, someone who has had a personal wellness experience, or your own personal wellness experience.

Once one has shared in an experience like this, they are now ready to buy bundles, because at this point they truly know that the products really work. Their belief system is now at the top of their game, and no one can discredit these nutraceutical products, because they can attest that they work. They then know it is only a matter of sharing the products with the people, by encouraging them, and support them by sharing their own personal wellness experience.

There are two reasons that a person will not continue the use of these products, first they state that the product did not work for them. However, because now each affiliate has experienced it for them self or have witnessed someone else's wellness experience after using these products; they can now assume that the reason the product did not work for their customer is because they did not take enough of the product or they did not take the product for a long enough period of time.

The second objection is the cost; there is nothing that we can do about that. The truth of the matter is that most people can afford it if they put it high enough on their priority list, and we are finding that in many cases wellness is really not a priority until something catastrophic happens.

We have found that a good portion of the population in North America; have an entitlement mentality and want cheaper products or co-pays for the medical remedies, or a quick fix;

So an affiliate's responsibility is to arm them self with facts and then share these facts with their customers who are purchasing the product. Never get short or rude with a customer, but be focused on giving them the real facts.

Treat them with respect, but always share a wellness story with them so that they are able to relate with the end result that they are looking for. Let them know that they too can have the relief that they are looking for and can expect it if they will allow the products enough time to do their job.

Then let them decide for themselves. Just remind them that many people do not get the results that they seek until they are resolved to take a full dose of the product for up to 2 months. Or they become willing to stick with the products until they eventually receive the results that they desire.

The key is that they need to be reminded that this company provides all of their customers a 60 day 100% money back guarantee on every product that is ordered, so there is never a risk. This company stands behind their products and provides 100% complete satisfaction.

This premier company is in the business of creating long lasting loyal customers, customers that are achieving their wellness goals. They have implemented many no-cost solutions to better ones health, known as the 10 essentials to better health and wellness. They have many other free tools that affiliates can use free of charge to help their customers to improve their health on a daily basis.

Knowing all of this an affiliate member can now move forward to earn a very lucrative income sharing these products and health related solutions with others. If ones belief system is not there then they will not shared these products with anyone. Continued research on the company product line is a must; affiliates must continue to learn and do their own research. If one is unwilling to do this, then this business opportunity is not for them.

This being said the task is to find people in their bundles who want to achieve a product experience and want to attain better health and wellness. So Affiliates need to search for individuals who are willing to stick it out until the product or products are working for them. We have thousands of testimonies from around all of North America of people like this; so like anything else; it is a process of elimination, working with each customer one at a time.

There are no short cuts, one must diligently get on the phones day after day and the results consistently and regularly appear over time.

A person can be confident that their customer base will continue to increase over and over again as people claim to have wellness experiences. Once this happens, they share their results with others and the business continues to grow.

We continue to see people who have tried the products; quit, and then come back to try them a second time as someone they know has had a wellness experience. They want that same wellness experience their friend or relative is now having so they return and start all over again. They are now ready to stick with the product until they get the relief that others are getting.

The reason that we spend so much time in this area is because once a person truly understands that these products are really working for thousands of people; the process becomes automatic and it is only a matter of time before business success occurs.

The important thing is that it is not just the affiliate members who are giving testimonies about these products, but it is customers who do not want to become an affiliate they just want to use the products and share their results with others.

Customer testimonies are the true testimonies. Most people assume that affiliates embellish their testimonies; as their motivation is to sell more products. Yet when one gives a customer only testimony, they have no motivation to give a false testimony. They simply state what the product is really doing for them. And this company has thousands of testimonies just like this.

You see they have no skin in the game. They are just happy to share the success that the products are delivering them.

That is why each person must check this out for them self. Once a person knows what the company knows it is only a matter of time before they will be making residual monthly income. This is not passive income, because it is not, as every affiliate really has to work with each customer on a frequent basis to service their needs and encourage them.

But the work is very simple, affiliates call people who have already bought the product to build a relationship with them; by gently and in a caring way inform them what they have to do to get the results that they want and expect; give them testimonies of individuals who are having success using the products, call, follow-up, and help them to experience the health and wellness that they desire.

After doing this for a year it becomes delightful and rewarding. Every once in a while you will get a rude customer or someone will hang up the phone, but that is far and in between. In fact 80% of the customers called; thanks the affiliate for calling at the end of their conversation, and there are audio recordings to prove it.

The industry that this company is working with primarily deals with pain relief and inflammation reduction; it is a 50 billion dollar a year industry and is on the increase. The products being introduced, cause no side effects, are non-narcotic or toxic, are based upon100% natural food products (grown through natural processes), as they contain no pesticides or chemical fertilizers, and contain no preservatives or artificial coloring.

They have been formulated through bio-technology to work with the body entering through alternative pathways to get the products to the locations in the body where they are needed. They are delivered at full strength; targeting organs, muscles, and other structures at the cell level. These products detoxify and provide the nutrients for the body not only to survive, but thrive; by allowing the body the optimum opportunity for healing.

To believe the substance of this article, one needs to do research on this company's mission statement and product endeavor. After doing a thorough investigation it compels many to want to promote this product line and business model. It will energize one to experience one's own personal wellness experience.

Here is an example of one affiliates wellness experience. They have an auto immune disease called Neurosarcoidosis. It is said to be an incurable disease. For 13 years they lived with massive pain, daily high fevers, and cluster headaches.

There was nothing in the market that would eliminate their pain or headaches. The disease killed the right middle lobe of their lung system and it had to be surgically removed.

In the 9th year of this disease, this individual was hospitalized and quarantined for a week and they gave them 125 mg of prednisone intravenously four times a day to save their life. At this point the doctors said that there was nothing that they could do for them and that they needed to learn how to cope with their medical situation and were forced onto permanent disability.

From this point forward they had been sentenced to a life of taking prednisone as it was the only medicine that would control their immune system, but did not relieve any of the pain or stiffness throughout their body.

Well in April of 2009 they were introduced to several of this company's products that would change their life forever. The transition did not take effect immediately, it took two months of continuous use with a combination of this company's products before their body started to respond.

However after two months, their cluster headaches were gone and 90% of their pain was under control and they felt like a new person. They recently received excellent news from their pulmonary doctor. As About a year ago their blood pressure was 144 over 95 and pulse was in the upper 80's bpm. Their blood oxygen was in the 80 percentile (which was poor) and they had severe pain all over and with cluster headaches two to three times each week.

Now one year later after staying on a regiment of these products their blood pressure is 120 over 80, and pulse is 74 bpm, with their blood oxygen now being at 97%. Wow what a difference. With this experience behind them, they know that these products can help them, and that they can help anyone, if they will stick with them long enough.

The great news is that they were on 20 mg of prednisone daily starting off the year. Now they are down to 12 mg daily and by the end of the year they are shooting to be under 7 mg per day. And even better news because of the decrease of the steroids, they have been able to exercise and have lost 47 pounds.

Was this easy, no? Did it work, yes? The key is that they were determined to get their life back. If people want to get their life back, then they need to take control and be responsible to accomplish this.

This testimony is mine...

What affiliate members should be looking for, are people like this. People who want their life back. There are many people looking for a quick fix. Well my story above is not about a quick fix. I was willing to take the steps necessary to obtain better health and wellness. There are real fixes, but it takes time, money, and effort to get the benefits desired.

The people who are willing to do what it takes can have it all. And when becoming an affiliate member with this unique company's cooperative marketing plan, one has the products and the tools to succeed.

Now that this story has been revealed health and wellness and financial stability can be achieved. It is only a decision away for those individuals who want it. You see it really does not matter what others think once you have experienced your own personal wellness or have witnessed others who have had their own personal wellness experiences; now you know what you are sharing is the truth. And at this point you will have become a loyal affiliate and customer.

This company's affiliates are looking beyond satisfied customer to a much higher level; they are seeking loyal customers as these customers are beyond being satisfied customers. As they are loyal to the company and the products because they work and are filling a need that nothing else can.

Affiliates do not need to convince anyone, because the products speak for themselves. The affiliate merely needs to share the products and the thousands of success stories they have learned about, continue to use the products, purchase bundles and help other people who want to experience health and wellness.

And everyday the customer list and affiliate down lines get bigger and bigger. Affiliates are making new friends every day across the entire United States and in Canada; and in February of 2011 this company will be opening their doors in Australia and then New Zealand in March. And expend health and wellness in to new lands around the world.

Here is the process of becoming a productive profitable affiliate member. This is only for those who are willing to work and desire to have a complete understanding of this company's wellness concept and belief system. Once one has embraced these concepts their success is only a matter of putting in the effort to succeed.

Step one: become a customer of this company, try the products and learn about why their products work. Learn how they work and become a product of the product. Why because they will increase your quality and length of life.

Become knowledgeable about all of the testimonies and learn about all of the different types of challenges that are facing people. Once you have this information and have embedded this in your mind, then you will be able to start your affiliate membership. Until you do so, your belief system will not be strong enough. Once a person's belief system is strong enough, they are then ready to go to the next step.

Remember this; this is not a question as to whether these products work, but it is a question as to when they will work for the individual taking the product. You cannot skip step one or you will fail, it is that simple. You see affiliates are not expected to sell anything; you see once their belief system is strong enough, they simply share personal stories and testimonies. Then they allow the products to speak for themselves.

Because affiliate members purchase bundles they never have to sell a product, they only need to service the customers they purchase, they need to reassure them that the products will deliver what they claim to, and once they discover that a customer is willing to continue to use them long enough to achieve a wellness experience, their job is to encourage the individual and comfort the individual until the break through occurs. The affiliate is to always remind the customer that this company stands behind their products by offering a 60 day unconditional 100% money back guarantee. And that is it!

An affiliate's responsibility is to make sure that the customer gets their order in a timely manner, that it is complete, and to handle any issues that their customers may have.

After you have completed step number one and you are ready to become an active affiliate member, to complete step two, you must become what they call share and earn qualified in order to be able to purchase bundles.

To become share and earn qualified you need to be an affiliate member and have a specified product on a monthly auto ship. This is a flag ship product that was bio-chemically designed to reduce and in many cases eliminate chronic inflammation. This is the primary product that produces the wellness experience that thousands of people are writing personal testimonies about.

Then step three, once you have become share and earn qualified, you need to have acquired two affiliate members in your down line that are share and earn qualified. Once this has been achieved new affiliates can now start to order bundles for themselves to grow their customer and affiliate member list.

To qualify with two affiliate share and earn qualified affiliate members is actually fairly simple. The first thing that one can do is to sponsor a spouse and or a child who is over 18 years of age. If one is able to sponsor two individuals in their family and put them on monthly auto ship this qualifies them.

In the event that an affiliate does not have a spouse or child they can sponsor, in many cases the up line sponsor may be willing to enroll one or two share and earn qualified affiliates and place them in to the new affiliates down line; from bundles that they have already purchased.

This is only done if the new affiliate is serious and is committed to building their business through the purchase of bundles. The definition of committed is an affiliate who is willing to commit to purchase two or more bundles each month.

This defines the true meaning of cooperative marketing; people working together for the benefit of all.

For an up line to be willing to do this, the new affiliate must agree to start purchasing bundles each and every month moving forward. They must agree to purchase at a minimum two bundles each month. But let's be realistic, affiliates who want to see steady growth in their business; need to be willing to purchase 10 to 15 bundles each month for up to 5 to 6 months.

Without this level of involvement the momentum to propel sells and growth will be slow and arduous. If a new affiliate is unable to do this, then they will need to tap in to other traditional resources to grow their business.

That is it!

This is the entire blue print. Affiliates do not have to chase customers for sells. There is no guess-work as customers come to their purchasers through the media bundle program, better known as cooperative marketing. Affiliates are generated out of satisfied customers who transition from not just wanting to be a customer but have gained the desire to share these products with others. Once a person is inspired through a wellness experience they immediately want to share this information with everyone.

The up line leadership in the organization teaches the entire process to their down line affiliates; how to purchase bundles, what to say and when to contact their bundle customers and affiliate members, and then they teach affiliates how to transition excited customers in to becoming active affiliates.

Everything has been categorized in to step by step processes. It is work, but it is easy and real results are achieved by going through this process over and over. Using the three-foot rule is no longer a requirement, as our affiliates have customers coming to them.

This company has been airing infomercials on their product line for over a decade now. They have acquired over 2,000,000 customers in North America during this time frame. They are the only direct sells company who combines a cooperative marketing concept with an affiliate sells force producing lifelong customers and affiliates.

Once an affiliate is in, they are in for life. I have not found anyone who is willing to walk away from steady monthly income, whether it be a couple a hundred dollars a month, or full-time income.

It is a cross-breed between franchising, network marketing, and direct sells. They are all three combined by pulling out the best attributes from each. They have created a brand name product line that is needed and works as advertised. The advertising campaigns make the affiliate members feel like they own their own personal nationwide franchise.

This company pays on two seven tier matrix compensation plans, combining the best of both network and MLM marketing programs; the first form of payment comes from customer product sells and the second from commission on the volume created by their down line affiliates. Affiliates are paid weekly so that new affiliates can continually invest in their business in the short-term providing rapid and exponential growth.

Affiliates are given the tools to run their business as if they are in direct sells for the company, by providing product literature, follow-up mail magazines and brochures, and email ads at no cost to the affiliates.

And even better yet, affiliates need not handle any products, the entire fulfillment process is completed by the company; they take all orders via a 1 800 number or on the internet, they deliver all of the products and literature, and they deal with customer issues and returns. This allows the affiliates to truly create solid long term relationships with their customers.

The affiliates are truly in partnership with the company, and through cooperative marketing; they and the company share in the total success of the business.

There are no secrets with hidden agendas; it works just as it has been portrayed. If one is a self-starter and they are willing to pick up the phone to call customers and are willing to work with this duplicatable process and not reinvent the wheel; then this business opportunity is right for them.

One can get more information by contacting me through the means listed below. Call me, write me, or check me out on Facebook or LinkedIn

Warm regards and God Bless...