Insurance Rates to Rise by 2012?

Renee Darata — Fri, 04 Mar 2011 23:59:27 +0000

Insurance companies have 2 ways to make money. Through the premiums charged to consumers and businesses and also through the income made on reserves they have on hand to pay out catastrophic claims.

Reserves have declined for some carriers which will require them to raise insurance premiums to rebuild reserves.

Some analysts predict about a 10% increase in 2012. Rates have declined for several years now and insurance companies will tighten up underwriting guidelines, get out of some lines of insurance and raise rates.

What You Need to Know Before You Purchase Dental Insurance

Renee Darata — Mon, 21 Jun 2010 21:12:07 +0000

Individual dental insurance plans are offered through several insurance carriers in the State of Utah.

Here are a few things to consider when choosing a plan:

Waiting periods; usually 6-18 months for basic and major coverage. Preventative coverage is usually offered immediately.

Co-Pays and Co-Insurance-This is the portion you pay after the dedectible (if any)

Maximum Annual Benefit: Typically $1,000, but I am seeing plans that go up to $1500

Deductibles: Typicaly $25-50 per person.

An Insurance Agent can help you choose the plan that is right for you. There is no discount if you shop on your own.

For further information on specific plans and coverages contact Renee Darata @ 801.748.0500 today.

Renee Darata » Dental Insurance

Insurance Rates to Rise by 2012?

What You Need to Know Before You Purchase Dental Insurance