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We're here to answer your insurance questions and we've gathered information for you about the coronavirus.
**Most Popular, Simple Option**
Teledoc services allow you to consult a physician by phone or video chat, whenever and wherever. All you need is a smartphone, tablet, laptop, or desktop with an internet connection. You can be face-to-face with a physician in no time.
These services are intended to treat non-emergency conditions. As always, in case of a life-threatening emergency, dial 911 immediatelyLearn More Enroll Now
Below is a Q&A to help clarify some myths and facts around the coronavirus (COVID-19), compiled from the Center for Disease Control and Prevention (CDC). For further education on COVID-19, please visit the CDC's website.
What is the coronavirus (COVID-19)?
COVID-19 is caused by a coronavirus called SARS-CoV-2. Coronaviruses are a large family of viruses that are common in people and many different species of animals, including camels, cattle, cats, and bats.
How does it spread?
The virus that causes COVID-19 is thought to spread mainly from person to person, mainly through respiratory droplets produced when an infected person coughs or sneezes. These droplets can land in the mouths or noses of people who are nearby or possibly be inhaled into the lungs. Spread is more likely when people are in close contact with one another (within about 6 feet).
What are the symptoms?
Reported illnesses have ranged from mild symptoms to severe illness and death for confirmed coronavirus disease 2019 (COVID-19) cases.
Symptoms may appear 2-14 days after exposure to the virus. People with these symptoms or combinations of symptoms may have COVID-19:
Or at least two of these symptoms:
This list is not all-inclusive. Please consult your medical provider for any other symptoms that are severe or concerning to you.
If you develop emergency warning signs for COVID-19 get medical attention immediately. Emergency warning signs include*:
*This list is not all-inclusive. Please consult your medical provider for any other symptoms that are severe or concerning.
Frequently Asked Questions :
Q. As a small business owner, what options do I have to cover my health?
A. Healthcare offers more affordable alternatives to traditional Health Insurance. Benefits include telemedicine. Members can do an unlimited amount of phone or video consultations with a doctor at no charge from the comfort of their home.
Q. What life insurance options do I have?
A. There are two main types of life insurance:
Term life insurance is the easiest to understand and has the lowest prices.
Permanent insurance is more complex and tends to cost more than term, but it offers additional benefits. Whole life is the most well-known and simplest form of permanent life insurance
Other kinds of permanent life insurance include universal, variable and variable universal.
Although it’s more complicated than term life insurance, whole life is the most straightforward form of permanent life insurance. Here’s why:
Some whole life policies can also earn annual dividends, a portion of the insurer’s financial surplus. You can take the dividends in cash, leave them on deposit to earn interest or use them to decrease your premium, repay policy loans or buy additional coverage. Dividends are not guaranteed.
Whole life insurance covers you as long as you live. You have to pay the same amount of premium for a specific period to receive the death benefit. Normally, this policy is kept in force for the rest of your life, regardless of how long you may live.
Universal life insurance offers all-round protection to your loved ones, thanks to its security, flexibility and variety of investment options. In times of low liquidity you can alter your premium payments or may even withdraw from your cash value fund. In addition, you can increase or decrease the face value of your insurance as per your circumstances.
Q. Are there Life Insurance policies that cover costs while I am living?
A. Yes, Life Insurance with Living Benefits. Accelerated Benefit Riders are optional, no-additional cost riders that allow you to access all or part of your death benefit (while living) if you experience a qualifying terminal, chronic, or critical illness or critical injury.
Useful benefits that cover:
• Household expenses
• Adult Day Care
• Home Modifications
• Regular Bills
• Nursing Home Care
• Quality of life expenditure
• Other needs they may have
Q. What are the tax advantages of life insurance?
A. Death benefits are generally received income tax-free by your beneficiaries. In the case of permanent life insurance policies, cash values accumulate on an income tax deferred basis. That means you would not have to pay income tax on any of the policy's earnings as long as the policy remains in effect. In addition, most policy loans and withdrawals are not taxable (although withdrawals and loans will reduce the cash value and death benefit)