Steady employment is hard to come by these days. With the economy in a massive decline, employers are cutting back and pinching pennies in every way possible. Although the benefits of having a regular job outweigh the option of unemployment, the benefits aren't what they used to be. Many employers are unable to afford to offer their full time employees health care. The cost of premiums for employers has raised six to eight times faster that wages leaving an estimated 1 in 5 employees without health coverage.

The news sounds grim considering the importance of health insurance. But fear not for your health - there is a solution. Absolute Insurance Group is an independent insurance group that provides affordable health insurance to people in need of coverage. The good news is that there are thousands of insurers out there willing to write you a policy that is actually affordable. Absolute Insurance Group will find them for you. Leave the insurance work to us so you can concentrate on other things.

Absolute Insurance Group is a local, North Carolina insurance agency providing its clients exceptional service and superior products. We will use our resources to shop the top carriers in the country to find you a health insurance plan that is affordable and supportive. If your employer doesn't offer you health insurance, contact us, we will help you get covered! Visit our virtual insurance office today!

The LA Times published a story about a girl named Selah who developed a potentially fatal tumor in her jaw at the age of 4. Luckily, her parents, Steve and Leslie, had her covered under a good health insurance plan, optimistic about her recovery and survival. But after several trips to the doctor’s office, the insurance company dropped Selah’s coverage and the young parents were in danger of losing their home and assets. The company had accused Steve and Leslie of failing to report a previous bump on the little girl’s chin in the past. The two parents vehemently deny this claim.

Choosing an independent insurance agency will not only save you time and money but you will also create a relationship with your agent that is personal and trusting. Independent agents are dedicated to the patient receiving the coverage they deserve, not their company’s bottom line. You can trust an independent agency to lucidly and honestly explain your insurance coverage so you do not have to worry about your health insurance, even if a catastrophic illness were t hit you.

Contact Absolute Insurance Group to receive a free North Carolina health insurance quote today!

The swine flu epidemic in Mexico and the United States has created a scare for Americans. The speed to which it develops and threatens people is frightening for many. Because of our advancements in media outlets and medical care, the swine flu will probably be put to rest soon. But it certainly reminds us all of how important it is to have a health insurance policy.

There are millions of people in the US trying to make ends meet. Many are cutting corners in an attempt to save money in every way possible. Unfortunately, our depressing economic situation has forced people to forego their health insurance and medical care because they are worried about extremely high hospital and doctors bills. Folks are postponing their routine medical visits as well as their dentist appointments to avoid costs. But foregoing treatment will not take care of the problem. It will only make the problem much worse.

If you do not have health insurance or have recently lost your health insurance coverage due to a life change, attaining a policy is possible.

Absolute Insurance Group will shop the top carriers in the country to find you reliable and affordable health insurance, even when you think you can’t afford it. There is a health insurance plan available for every person, regardless of income. We will find it for you. Visit our virtual insurance office for a free quote on North Carolina health insurance.

Holding down a steady job will give you a life with fewer worries and more opportunities. Whether it is security for the future, the financial ability to buy a house or travel, or workman’s camaraderie in the office, having a career or steady employment is invaluable. One of the worst aspects to being laid-off or losing a job, especially in our current economic state, is suffering the loss of your insurance benefits, specifically health insurance.

Being without health insurance is an unfortunate situation, as the thought of being ill without the ability to afford care is frightening. In fact, many people are visiting hospitals and clinics to check out their current health status with the fear that their health benefits will soon run-out. Many of those who have already lost their health insurance are putting off their doctors visits, for obvious reasons, and are saving up money for future health check-ups.

With the unemployment rate sky-rocketing, many folks have to switch from an employee-sponsored health insurance plan to an individual plan. This has a lot of people worried with the fear that they will be charged a fortune for their health insurance needs. But fear not – it is actually quite affordable. At Absolute Insurance Group, we believe that there is an affordable health insurance plan for all people. We will shop the top carriers in the country to find you a policy that you can afford and rely on.

Visit our virtual insurance for a free quote on North Carolina health insurance or contact Absolute Insurance Group today!

Steady employment is hard to come by these days. With the economy in a massive decline, employers are cutting back and pinching pennies in every way possible. Although the benefits of having a regular job outweigh the option of unemployment, the benefits aren’t what they used to be. Many employers are unable to afford to offer their full time employees health care. The cost of premiums for employers has raised six to eight times faster that wages leaving an estimated 1 in 5 employees without health coverage.

The news sounds grim considering the importance of health insurance. But fear not for your health – there is a solution. Absolute Insurance Group is an independent insurance group that provides affordable health insurance to people in need of coverage. The good news is that there are thousands of insurers out there willing to write you a policy that is actually affordable. Absolute Insurance Group will find them for you. Leave the insurance work to us so you can concentrate on other things.

Absolute Insurance Group is a local insurance agency providing its clients exceptional service and superior products. We will use our resources to shop the top carriers in the country to find you a North Carolina health insurance plan that is affordable and supportive. If your employer doesn’t offer you health insurance, contact us, we will help you get covered! Visit our virtual insurance office today!

There are approximately 47 million Americans without health insurance. Surprisingly, a small percentage of these people live in poverty and many can afford this important necessity. But they underestimate the importance of it and opt out of the coverage. Many people forego health insurance because they feel it is unneeded and or they think they can’t afford it.

Researching different health insurance companies and understanding the basics of the coverage will put you on the right track in securing a policy. Do not assume that you cannot afford health insurance. There is a health plan that is affordable for every budget. Let your independent insurance agent shop the carriers for you. Also, never allow yourself to believe that this type of coverage is not needed. Health insurance is needed for every person.

Absolute Insurance Group is a knowledgeable and dedicated independent insurance agency that will find a health insurance plan that works for you. Visit our virtual insurance office to receive a free health insurance quote or contact one of our agents today!

With the astronomical health insurance costs Americans are currently facing, people in need of health care are foregoing professional attention, even when it is necessary. Money issues have become so problematic that opting out of medical care when sick or injured to avoid hospital and insurance costs has unfortunately become the only option.

The majority of U.S. citizens have an extremely bleak outlook on medical care and health insurance. They are pessimistic and worrisome about what the future may hold for their family’s security. In a 2009 Deloitte Survey of Health Care Consumers, 24% of those polled decided not to seek medical care when they were sick or injured because of monetary costs, 94% said they believed that high health costs threaten their financial security, and more than half surveyed believe that most of their money is being wasted.

Absolute Insurance Agency is an independent insurance agency dedicated to providing our clients with the most affordable health coverage we can find. Our agents understand that people are suffering through difficult times. We will analyze your lifestyle and your budget to help you find a health care policy that you can rely on. Contact us today to learn more about Health Insurance or fill out the form to receive a free quote.

Most people buy life insurance for the first time when they become parents. After all, there's a whole new life they need to look out for. The question they're often faced with when considering the purchase of life insurance is, "How much should we get?"

Of course, every answer depends on the parents. But you can start with thinking about your child's/childrens' needs. Besides the normal expenses of food, school, clothing, and medical attention, what else would they need? Does your child or children have any kind of illnesses that require extra money - or perhaps they have other issues, such as the need for extensive dental work.

You must figure out the minimum amount your children would need if you and/or your spouse weren't around anymore. A good way to find out is to figure a rough estimate of how much your family lives on each year. This includes rent or mortgage, insurance, care for your child or children, and any other living expenses (basic living, vacations, savings). Then add social security benefits or any other kind of income that will be coming in from a surviving spouse. Another way to figure out how much you need is to take your yearly salary and multiply it by 7. Your answer may seem high, but that's normal.

For more information on life insurance, contact us today! We're Absolute Insurance, an independent insurance agency based in Charlotte, North Carolina.

With the recent bankruptcies and partial closings of major U.S. chain retailers like Circuit City, Linens -N- Things, Mervyn's, CompUSA, Office Depot, JC Penney, Zales, and Macy's, it's obvious that these are dark days for American retailers.  Even Chrysler has production on hold.  Many of us are thinking, "What company is next?"

And what about businesses that aren't retail-oriented? Are plumbing companies, bookkeeping services, and Internet companies suffering too? What about life insurance companies? Are they taking a hit?

In the U.S., insurance carriers are regulated as to the type of assets that they can invest in and have strict requirements for reserves, which has been a working system as of now. If, for any reason, an insurance company were to fail, another company will most likely step in and take over.  It should not cause any sort of chaos or confusion to the insurance carrier's clients.

For more information on life insurance and the carriers we work with, contact us today! We're Absolute Insurance, an independent agency based in Charlotte, North Carolina.

Lately, there’s been a rise in the requests for survivorship insurance, or “second-to-die insurance” from parents who have children with special needs. The coverage, which insures two spouses and can only be collected when the second passes away, has always been a popular estate-planning tool. Parents with special needs children have found it to be a great investment that will provide for their child or children’s future once they themselves are not able to. When the second parent dies, the money will go to keep their child(ren) financially secure.

Other people choose to use their survivorship insurance for things such as financing their family business, contributing to a charity organization or church, and non-liquid assets. It’s also useful if one spouse is in poor health and is unable to receive their own life insurance policy. If the other spouse is healthy, he or she can get a survivorship policy (or “joint policy”) to insure them both.

Survivorship insurance is just many of the ways you can protect the future of your loved ones. To find out more about it and other types of life insurance, contact us today. We’re Absolute Insurance, an independent agency in Charlotte, North Carolina.