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Choose Your Healthcare Plan Wisely

Choose Your Healthcare Plan Wisely
The Patient Protection and Affordable Care Act has been met with some resistance from opponents, but others are worried that consumers might make it harder on themselves. Make sure to choose your healthcare plan wisely. The Columbia School of Business found that about 80 percent of consumers will choose a more expensive healthcare plan without…
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What Is An ESOP?

What Is An ESOP?
As the name implies, Employee Stock Ownership Plans offer employees the opportunity to become owners of their company by having shares of stock allocated to their accounts in a tax-qualified trust. Technically, an ESOP is a tax-qualified defined-contribution plan designed to invest primarily in the stock of the sponsoring employer. Usually, employees do not pay…
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How Does The Underwriting Process Work?

How Does The Underwriting Process Work?
In layman’s terms, underwriting is the process of determining if a customer is eligible for life insurance (or other types of insurance). However, the term underwriting is used in a broad sense and includes several aspects of how a case is processed. It’s important to understand the difference between underwriting and processing. Once a life…
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Retirement Concerns Amongst Several Generations

Retirement Concerns Amongst Several Generations
Americans, particularly Generation X, are becoming a bit nervous about their prospective retirement. In a study conducted by LIMRA, 36 percent of Gen X consumers are worried that they will not have enough money come retirement time. To put that into perspective, the study also showed that only a quarter of Gen Y (aged 18…
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How To Market To Generation Y

How To Market To Generation Y
The millennial generation  is becoming the dominant consumer group, and it is important to cater to their tastes. Generation Y is certainly growing, as Forbes reported that by 2025, this age group will become 75 percent of the international workforce. Catering to Generation Y's preferences doesn't mean you have to change your methods of marketing completely. A…
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