Staring the computer for hours will harm your eyesight.
Myth. Although sitting and staring for long periods might cause fatigue, headaches, neck pain or even eyestrain, you vision will not be damaged. However, you can get a serious condition called Computer Vision Syndrome (CVS).  To prevent this, remember to spend 20 seconds looking at something far away every 20 minutes you are on the computer.

You can’t get cataracts if you don’t wear glasses.
Myth. As much as those of us that don’t wear glasses wish this was true, it’s not. The natural aging and deterioration of the lenses of the eyes cause cataracts. This problem occurs in about ½ of adults over 65. Believe it or not, but glasses can actually help postpone surgery.

Wearing glasses weakens eyesight.
Myth. This isn’t true at all. However, eyes do naturally become weaker with age. This begins occurring most noticeably between the ages of 38 and 42.

Sitting close to the TV will harm your eyes.
Myth. Though it may cause a headache, it won’t cause bad vision.

If you can see okay, your eyes are healthy and you don’t need to see an eye doctor.
Myth. Eye examinations are preventative. Through an exam, a doctor is able to detect signs of serious conditions such as diabetes, brain tumors and high cholesterol before physical symptoms are present.

https://www.vsp.com/cms/newsroom/press-releases/articles/bill-nye.html

Check out our website for details on how we can help you save on vision insurance, or sign up to get a free quote!

- Regular Dental Insurance
This insurance allows you to visit any licensed dental provider.
• Benefits directly or sent to your provider
• No network needed
• Insurance pays a portion
• Patient pays the difference
• Least restrictions, but most expensive

- PPO Dental Insurance
Close to regular insurance, with some differences.
• Allow patients to go to any license office
• However, can choose network provider to pay less out of pocket
• Must use dentist out of network to receive full coverage
• Can be less expensive

- DMO/HMO Dental Coverage
A dental care provider gets a small payment every month for each patient on their insurance list.
• Reduced fee when you see the doctor
• No benefits elsewhere
• Generally means long waiting times for appointments

- MSA’s and Direct Reimbursement Plans
• Administered by employers
• Allows patients to pre-pay for health care before tax money or submit paid invoices for direct reimbursement

Get the dental plan mix that fits your lifestyle with us. We’ll help find the right insurance coverage for you, at a price you can afford. Call us at (229) 435-2427 today or click here for a free quote!

Benefits:
• Cheaper than individual plans
• Many employers cover part of or all insurance premiums
• No physical exams or health histories to complete
• Covers employees regardless of age or present state of health
• Lower premiums for high risk individuals

Disadvantage:
• If you leave your job, you lose coverage
• However, federal law called COBRA could allow you to continue with your insurance for a period of time
• People enrolled have no say in the type of policy

At G&G Insurance Services, we offer group insurance options to fit your employees’ needs at a cost affordable to you.

Check out our website for details on how we can help you save, or sign up to get a free quote!

• More than 40 million adults stated that they needed but did not receive one or more of these health services in 2005 because they could not afford it: medical care, prescription medicines, mental health care, dental care or eyeglasses.
Source: National Center for Health Statistics

• In 2011, nearly 49.9 million Americans did not have health insurance.
Source: 2011 Census Bureau

• On average, uninsured families can only afford to pay in full for about 12% of the admissions to hospital (hospitalizations) they might experience.  Even uninsured families with incomes above 400% of the Federal Poverty Level (FPL) can afford to pay in full for only 37% of their hospitalizations.
Source: U.S. Department of Health & Human Services

• Lacking health insurance poses a greater risk of financial catastrophe than lacking car insurance or homeowner’s insurance.  Although an individual is 50 percent more likely to have a car accident in a year than to be hospitalized, the average bill for a hospitalization is over two and a half times higher than the average loss for a car accident.  And, while the bill for a single hospitalization is about the same as the loss from an average house fire, a person is ten times more likely to be hospitalized than to experience a house fire.
Source: U.S. Department of Health & Human Services

Don’t go without health insurance. At G&G Insurance, Inc., we’ll make sure that you can find a plan that you can afford, with the coverage that you and your family need.

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No one likes to think about dying and as a result, many individuals put off making these decisions.  Here are some guidelines that can make the process easier.

How much life insurance?
Some individuals use life insurance as part of sophisticated estate plans.  For most people, life insurance is simply a way to make sure their spouse and children can continue to have a decent lifestyle if they die prematurely.

Single individuals, or married individuals with working spouses, may find their real need for life insurance to be low or non-existent.  If no one is dependent on your income to maintain their financial independence, you should carefully consider whether spending for life insurance is the best use of your funds.  It could be that your savings and investments will be sufficient to provide survivors with financial security.

If others are dependent on your income, life insurance should be part of your financial strategy.  There are many complex ways to calculate the amount of coverage you should consider that take inflation, debts, children, retirement plans and estimated investment returns into account.

If you want that type of calculation, try some of the insurance websites.  If you want a simpler approach, consider that many insurance experts say that a “primary breadwinner” should have coverage equal to six to ten times income.  For example, if you have income of $75,000, you may want to have life insurance policies providing $450,000 to $750,000 of death benefits.

If you have young children, dependents with special needs, large debts or other special considerations, you may want to be on the high end of this range (or above).  For example, if you expect a child to attend a private college, the annual costs could be over $40,000.  To cover those expenses, you may want to increase your coverage by some multiple of the annual cost to cover four years of college and to take potential inflation into account.

What type of policy is best for you?
The two basic types of life insurance policies are – term and cash value whole life.  Term insurance is just pure protection, payable on the death of the insured and is cheaper.  Cash value whole life policies provide death protection and have a “cash build up” feature that acts somewhat like a tax-deferred savings account.  Usually, whole life insurance is much more expensive.  The accumulated “cash value” can also be the source of low interest loans for the policyholder.

When evaluating these types of policies, be sure to consider all the costs, the amount of death benefits and ask for a history of what the level of earnings on the “cash value” the insurance company has paid previously.  You may find that it makes sense to “buy term and invest the rest.”

Where can you find life insurance?
The first place to begin is with your employer.  Many companies offer life insurance as part of their employee benefit program.  In some cases, the companies pay the entire cost for a certain level of benefits and then offer a supplemental insurance option.  You often may have the ability to buy a policy with benefits of one to three times your annual income at relatively low rates.  The rates on these types of group plans are often very attractive.

Next, determine whether you need the consultation services of an insurance agent.  Many financial institutions offer insurance through their investment departments and have both term and whole life policies available.

If you are considering life insurance as part of a sophisticated estate plan, it may make sense to search out the services of a dedicated insurance agent.

In any case, be sure to ask questions and get the coverage amount you need with the type of policy you want.  Investigate the insurance company.  The agent should have ratings reports available on the insurance company.  Many public libraries also have these ratings available.

Summary
Few people like to think about dying or the need for life insurance.  Be sure your financial plan provides the protection your family needs.

At G&G Insurance, Inc., we’ll make sure that we create an insurance plan together, based around your coverage needs and budget. Get protection today. Check out our website for details on how we can help you save, or sign up to get a free quote!

1. How much coverage will I need?
That depends. How much money will your surviving loved ones need in the event of your passing? Also, how much of your debt will your family will be responsible for if you pass: mortgages, student loans, car loans, etc. Carefully examine your current and future financial situation when making this decision with your insurance agent.

2. Does your policy offer living benefits?
Term life insurance policies generally do not offer any cash-value benefits, though many whole life insurance policies do. If your plan provides living benefits, be sure to study and understand the rules for borrowing money against your policy.

3. Are you covered if you get a disability?
This is, in fact, provided by many life insurance policies. However, what you may want to ask about is accidental death and dismemberment coverage. This type of policy provides lump sum benefits if a policyholder were to loss an appendage, vision, hearing or acquire another disabling injury.

4. Are there any exclusions in your policy?
Every policy has exclusions. The cost to cover all of those risks would be astronomical otherwise. Just be sure that you understand them wholly before you agree to them.

5. Will you need to take a medical exam?
In most cases, low rates come paired with a simple required medical exam. There are some policies that do not have this requirement, but they are generally more expensive. If you have decently good health, it may make sense to go for the exam to save on monthly premiums.

6. Will your monthly premiums increase as you get older?
For both term and whole life policies, the amount you pay monthly is fixed. The only reason that this would change would be if you decide to either renew the policy or buy a new policy. If you do this, your premiums will likely be higher than what you were paying because you have aged since you first bought a policy.

7. Is your policy renewable?
Many policies will allow you to renew at the end of the term without having to re-qualify or have a new medical exam. Some policies have deadlines for renewal, so ask what age you have to re-qualify so you don’t miss out on the opportunity.

8. What are the options should you want to convert your policy?
In the future, you may decide that you would like a different type of coverage if, for example, you have either outlived your term life insurance or if you wish to convert to a policy that offers more investment options. Ask about flexibility on conversions before signing your policy.

9. How long does your policy last?
Term life insurance policies are only intended to offer coverage for specified periods of time, while whole life insurance policies last as long as you live. Be sure to ask your agent how long your life insurance policy will last.

10. What happens if you cannot make your monthly payment?
Before signing, ask your insurance agent. In the event that this happens, be informed on whether there are a penalties or fines associated with your policy for lack of payment and what those are.