Margy Wenham Insurance Services, Inc - Serving California Since 1991

I rarely express my political views; however, the potential devastating impact Proposition 45 would have on every Californian justifies this exception.   This initiative gives one politician – the California Insurance Commissioner - sweeping new authority over healthcare, including rates, co-pays, deductibles and even what health insurance covers.  That’s too much power for one person and would destroy health care in California as we know it.  Don’t just take my word for it.  The California Chamber of Commerce, the Sacramento Bee, L.A. Times, San Francisco Chronical - the Small Business Majority and many, many more who have read the fine print of this initiative -  also urge a “No” Vote on Proposition 45.   

The Obama administration announces today that a two-year extension for individual policies that don't meet requirements of the new health care law. The cancellation last fall of at least 4.7 million individual policies was one of the most damaging issues in the transition to Obama care.  It also contradicted Obama's promise that you can keep your insurance plan if you like it. Other changes made include an extra month for the 2015 open enrollment season. It will still start Nov. 15, as originally scheduled, but it will extend for an additional month, through February 15 of next year. The administration says the schedule change gives insurers, states and federal agencies more time to prepare. This year's open enrollment started October 1st and ends March 31st.

Most of us don't like to think or consider the need to prepare for our funeral and burial; however, covering these expenses is an important part of planning your estate. Final expense insurance gives your family the financial resources they need when the time comes. Along with preparing a will and drafting advance health care directives, you should decide how your final expenses will be paid. Final expense insurance provides an affordable way to provide for these costs, without leaving that burden on your loved ones. While a traditional senior life insurance policy can provide funeral and burial coverage, final expense insurance policies have a lower face value than standard life insurance plans. You can purchase a final expense insurance policy with a coverage limit of just a few thousand dollars, enough to pay for a basic funeral service, casket, burial and cemetery plot. Term or whole life coverage, however, generally begin at $10,000, an amount that may exceed your needs....