Insurance Audit Information

Health nutrition from food you eat and drink is your health and strength. What you eat is part of what you are and what you will become. What you choose for a meal has an impact on our body either positively or negatively. The quality of food you take affects the length and quality of your life. Many life threatening diseases such as heart disease, high blood pressure, diabetes, cancers, are often, at least in part, linked to poor nutrition. Much of these diseases could be prevented with sufficient health nutrition intake.

We are often told that we must eat a balanced diet to obtain health nutrition for our wellbeing. However, what is a balanced diet? How do you know you are achieving the correct balance? Many of us do not eat enough healthy carbohydrates. Many of us are unaware of a diet which is very low in fat can cause as much harm to our body as a high-fat diet. Many of us do not know that we eat more protein than we really need, and that too much can be bad for us. Many of us fall short on the daily requirement of vitamins and minerals that our body need.

A perfect diet should contain all needed health nutrition such as carbohydrates, fat, protein, vitamins, minerals, fibre, in the right quantities. The WHO suggests at least fifty per cent of calories in our diet should come from complex carbohydrates, no more than thirty five per cent comes from fat and up to fifteen per cent comes from protein. The allowance for alcohol consumption is no more than five per cent.

To get fifty per cent or so of carbohydrates you need to ensure that at every meal you have a good portion of starchy carbohydrates food such as rice, pasta, potatoes, or bread. At most meals, you need good portion of vegetables and/or fruits. You should also include small portion of low- or moderate-fat protein such as fish, poultry, pulses and lean meat in our diets. High-fat protein such cheese, dairy product and fatty meats should be eaten less frequently and in even smaller portions. As all fat is a calorie-dense food, ideally you should include only small quantities of oil such as olive or corn oil in your meals. The majority part of your daily calorie needs have been taken up. There is only little room for alcohol and for the sugars. So, add these to your diet in moderation, if at all.

A variety and a balance intake of health nutrition is the most important element of a healthy diet for life. To ensure adequate amounts of all necessary vitamins, minerals, fat, protein, carbohydrates and fibre, eat as wide a variety of foods as you can. You should eat different sources of carbohydrates, varying types of protein, lots of different vegetables, salads and fruits.

There is no need to worry too much about the exact nutritional content of every morsel of food you eat. The fact is that almost any kind of meal can be adapted to form part of a healthy diet if you follow the abovementioned guidelines.

We all flinched, moaned and sympathized with Chevy Chase when “National Lampoon’s Christmas Vacation” came out. Nobody likes the idea of psychotic relatives coming by and ruining their perfect Christmas, but let’s face it. It could have been a whole lot worse! He could, for example, have gone on vacation only to find out his car insurance had been cancelled!

Not exactly the Christmas you’d be hoping for either, is it? Unless you happen to work in the insurance industry, car insurance isn’t usually the first thing that comes to mind when you think of Christmas. That’s too bad though. Not knowing what’s going on with your insurance can lead to some nasty surprises when you’re out on the highways!

There are three things you have to know when it comes to Christmas and car insurance.

1)      Is your state part of a no-fault or tort system? This is going to be extremely relevant if you find yourself in the middle of bumper to bumper traffic that looks like something out of “Death Race”! Peace and goodwill aside, people drive like maniacs during the holidays. If you can walk away with your car and your dignity intact you’re already three steps ahead of the game.

 

Since there’s a better than average chance you’re going to find yourself trapped in a fender bender this Christmas, it pays to know not only what your coverage includes in your own state but also what’s covered when you travel. That way you’re never taken by surprise when you’re 700 miles away and find yourself filing car insurance claims on the first day of Christmas!

 

2)      Does your car insurance travel past U.S. borders? While some areas of Canada and Mexico will accept American car insurance, most won’t. Since sitting around in a Tijuana jail cell makes for a great story but an unpleasant holiday experience (and a gastric nightmare), do yourself a favor and make sure you pick up a local policy ahead of time. There are multiple companies in the U.S. that have their fingers in all matters abroad, and they can put you in touch with all the right people to make your Christmas vacation flow as smoothly as possible.

 

3)      Car insurance companies have almost nothing to do with items stolen out of your luggage when you’re traveling, even if they were in the car when someone walked by and decided to liberate them from the tyranny of ownership! Normally your homeowners insurance would be the one to pick up the slack here, but travelers find themselves wading into a grey area because suitcases and purses are in and out of the car and it can be almost impossible to tell when, where and how they were cleaned out.

 

If you’re traveling with enough “stuff” that you’re actually worried about the long term effects of being ripped off you might want to consider picking up a holiday insurance policy to complement your car insurance. Not only does holiday insurance pick up where car insurance leaves off when it comes to protecting you, it will also help absorb the costs if you have to cancel your reservations (you don’t usually get that money back), your flight’s delayed or you miss it completely and you have to book a room overnight/eat out/buy another plane ticket.

 

It’s a worthwhile investment that will go a long way toward giving you the holiday celebration the Griswold family Christmas was meant to be.

I’m not against National Health Insurance.

As an experienced Health Insurance agent you would think I would hate it, but I don’t.

Here’s why:

1. America is all about freedom of choice.

An intelligent national plan will not eliminate choice. Think of Medicare. It’s national, it’s automatic (you get Medicare at age 65 whether you apply or not), but you can still choose which Medicare supplement you want if any. You can even stay employed and not take Medicare until you really retire.

2. Getting the uninsured people under some kind of coverage would save us all money.

People without insurance cost us all money. Think of the uninsured drivers (there are plenty) you hit drivers, causing accident or injury and who pays the cost? We do, in higher rates for those of us who buy.

3. Health Insurance today is not portable.

Move from state to state, go ahead, but don’t plan on taking your Health Insurance with you. For one thing, the carrier you have may not offer coverage in your new state.

Leave your job, go ahead, but you have 18 to 36 months of COBRA, and then you had better be insurable, or you won’t get coverage again unless you find a job with group coverage.

Now let me modify my approval a bit. I don’t like Single Payer without competition. The ability to choose your own plan, or supplement to the National plan.

Here’s why:

1. Rationing, see here…

If you have no choice, well, you have no choice. The videos at Freemarketcure.com do a good job of illustrating that nightmare.

2. Higher costs.

If you take away competition (choice) Health Care costs will escalate even faster.

Take a procedure that has dropped in cost for the last few years, Laser Eye Surgery. It isn’t covered by most health plans, so people must pay out of pocket. The cost has dropped over 50%!!!

Why?

Competition, and consumer choice. You can select where you want to go to Laser your Eyeballs, and you can shop for value.

Summary:

So, here is a list of things that Obama, Hillary, McCain or whoever wins can do.

1. Make COBRA permanent.

If you can’t work, but you can manage make your insurance payment, why should you lose the coverage?

It isn’t fair, you joined the insurance pool, you paid your dues, you drew the short straw and got sick or injured, so now (under current law) you only get 18 to 36 months to get better or you lose the care?

Shame!

That is my personal number 1 peeve!

2. Make any National Plan open to competition from plans that offer equal or better benefits and let the shopper choose!

3. Get on with it! We know what you want to do, be bold, be balanced (especially with our budget!) and propose something, we are ready!