Seat Belt Law Exempts Antique Cars
Seat belt law exempts antique cars
Contact MJF for your Antique / Collector Car Insurance Quote!
Quote and bind through our website www.mjfinsuranceagency.com
Thursday, June 30, 2011
Thursday, April 14, 2011
Wednesday, April 13, 2011
NY Sees Suspicious Claims Rise
New York Sees Rise in Suspicious Claims | PropertyCasualty360
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Saturday, April 2, 2011
M.J.F. Provides Business Owners Insurance Premium Savings
In the month of March M.J.F. provided business owners with some much needed relief on insurance premiums. Our agency has no limits on the size and types of businesses we can write. Through our membership in the S.I.A.A. we were able to provide top rated carriers quotes to our insureds and provide substantial savings to the business owners while maintaining or raising their liability limits.
Our pay as you go workers compensation plans have also been a huge success. These plans allow you to start with a much lower deposit and pay on actual payroll and not estimated. This means their is no audit needed at year end because you cannot overpay or underpay your premium. In most cases we also provided the payroll services at little or no cost to the business owner and were better able to manage the pay as you go workers compensation program.
M.J.F. can provide a business insurance review. Once we collect the relative data to underwrite we can provide competitive quotes to help you potentially reduce your premiums without sacraficing coverages. We can be reached on the web at www.mjfinsuranceagency.com or toll free at 866-983-8726.
We can write in NY,NJ,CT,PA,FL & SC
Our pay as you go workers compensation plans have also been a huge success. These plans allow you to start with a much lower deposit and pay on actual payroll and not estimated. This means their is no audit needed at year end because you cannot overpay or underpay your premium. In most cases we also provided the payroll services at little or no cost to the business owner and were better able to manage the pay as you go workers compensation program.
M.J.F. can provide a business insurance review. Once we collect the relative data to underwrite we can provide competitive quotes to help you potentially reduce your premiums without sacraficing coverages. We can be reached on the web at www.mjfinsuranceagency.com or toll free at 866-983-8726.
We can write in NY,NJ,CT,PA,FL & SC
Helpling People Save Money On Their Auto & Homeowners Insurance
Last week M.J.F. provided insureds over $6,000 in savings on auto and homeowners premiums. This group also included saving a couple $920 in annual savings on their auto policy and a over $3,000 in annual savings on another 2 car risk. On average we save our homeowners an average of $250-350 annually.
See how M.J.F. can save you on your auto and homeowners insurance by visiting one of our websites www.mjfinsuranceagency.com or www.mjfinsurance.com or we can also be reached toll free by calling 866-983-8726 to request a quote.
We are licensed in New York, New Jersey, Pennsylvania, Connecticut, South Carolina and Florida
See how M.J.F. can save you on your auto and homeowners insurance by visiting one of our websites www.mjfinsuranceagency.com or www.mjfinsurance.com or we can also be reached toll free by calling 866-983-8726 to request a quote.
We are licensed in New York, New Jersey, Pennsylvania, Connecticut, South Carolina and Florida
M.J.F. Membership In S.I.A.A. Provides The Ability To Quote With Multiple Carriers And Provides Our Insureds Premium Savings
M.J.F. is an independent insurance agency located in Staten Island, New York and licensed in N.Y., N.J.,CT.,FL.,PA. & S.C.
Through our membership in the S.I.A.A. we represent many national carriers which in turn allow us to provide you with quotes from multiple carries for all your insurance needs.
Our company does all the legwork for the insured so you don't have to call multiple carriers to find the best premium available. Whether your looking to just compare your current premium and coverages or being non renewed you can count on M.J.F. to find the policy that's right for you!
M.J.F can insure you Home,Auto,Boat,Yacht, Motorcycle, R.V.,Antique Car Insurance, Business, General Liability, Umbrella, Excess, Workers Compensation, Vacant Building,Garagekeepers, Dealers Open Lot, Heavy Machinery, Fleets, Life, Health Annuities, I.R.A., Group Health, Voluntary Benefits, Estate Planning and Long Term Care. We can provide you with a review of your current coverages and a quote.
We also offer online defensive driver courses for New York and New Jersey, Online Florida Boating Safety Course, Online Florida Driver Courses,the Online C.P.R. Certification and we are an authorized NetSpend Prepaid Debit Card Representative.
M.J.F. offers Bank products through Metlife Bank
Mortgages through Homeowners Affordable Solutions also at our location
(1865 Clove Road)
Retirement Planning, Estate Planning, Longevity Planning & Group Benefits
through Chumenti & Fusco Wealth $ Health Planning, Inc (1865 Clove Road)
Accounting offered through Chumenti Accounting (1865 Clove Road)
Our phone numbers are
M.J.F - 866-983-8726
Chumenti & Fusco Wealth $ Health Planning, Inc 718-667-5371 or 866-983-8726
Homeowners Affordable Solutions 866-983-8726
Chumenti Accounting 718-447-1392
You can visit our Website to request info on any of our products
www.mjfinsuranceagency.com
Call us to initiate your free analysis and start saving today
Through our membership in the S.I.A.A. we represent many national carriers which in turn allow us to provide you with quotes from multiple carries for all your insurance needs.
Our company does all the legwork for the insured so you don't have to call multiple carriers to find the best premium available. Whether your looking to just compare your current premium and coverages or being non renewed you can count on M.J.F. to find the policy that's right for you!
M.J.F can insure you Home,Auto,Boat,Yacht, Motorcycle, R.V.,Antique Car Insurance, Business, General Liability, Umbrella, Excess, Workers Compensation, Vacant Building,Garagekeepers, Dealers Open Lot, Heavy Machinery, Fleets, Life, Health Annuities, I.R.A., Group Health, Voluntary Benefits, Estate Planning and Long Term Care. We can provide you with a review of your current coverages and a quote.
We also offer online defensive driver courses for New York and New Jersey, Online Florida Boating Safety Course, Online Florida Driver Courses,the Online C.P.R. Certification and we are an authorized NetSpend Prepaid Debit Card Representative.
M.J.F. offers Bank products through Metlife Bank
Mortgages through Homeowners Affordable Solutions also at our location
(1865 Clove Road)
Retirement Planning, Estate Planning, Longevity Planning & Group Benefits
through Chumenti & Fusco Wealth $ Health Planning, Inc (1865 Clove Road)
Accounting offered through Chumenti Accounting (1865 Clove Road)
Our phone numbers are
M.J.F - 866-983-8726
Chumenti & Fusco Wealth $ Health Planning, Inc 718-667-5371 or 866-983-8726
Homeowners Affordable Solutions 866-983-8726
Chumenti Accounting 718-447-1392
You can visit our Website to request info on any of our products
www.mjfinsuranceagency.com
Call us to initiate your free analysis and start saving today
Thursday, March 3, 2011
Tuesday, March 1, 2011
Protect Your Most Important Assett!
If you are like most people they are concerned about protecting their assetts, you usually want to protect your home, cars and other valuable assetts. What most people negect to realize is that the most important assett is your income or ability to earn and maintaina style of living you have become accustomed too.
Therefore, the most important policy you should own is a disability policy. This will provide you with a substantial amount of replacement income in case you are unable to work due to illness or injury. Not having this coverage can be a financial disaster if not in place when an illness or injury prevents you from working.
For more information you can visit our website and request a quote online at www.mjfinsuranceagency.com or call us at 866-983-8726.
Therefore, the most important policy you should own is a disability policy. This will provide you with a substantial amount of replacement income in case you are unable to work due to illness or injury. Not having this coverage can be a financial disaster if not in place when an illness or injury prevents you from working.
For more information you can visit our website and request a quote online at www.mjfinsuranceagency.com or call us at 866-983-8726.
M.J.F. Insurance Opens New Agency, Chumenti & Fusco Wealth $ Health Planning, Inc.
M.J.F. Insurance founders John R. Chumenti and Michael J. Fusco open a second insurance agency. Our new agency, Chumenti & Fusco Wealth $ Health Planning, Inc..
The new entity will focus on Retirement Planning, Estate Planning, Longevity Planning and Group Benefits. Our goal is to help our clients with wealth preservation and providing solutions to meet future financial goals.
For more information on Chumenti & Fusco's services and how we can assist you, call us at 866-983-8726.
The new entity will focus on Retirement Planning, Estate Planning, Longevity Planning and Group Benefits. Our goal is to help our clients with wealth preservation and providing solutions to meet future financial goals.
For more information on Chumenti & Fusco's services and how we can assist you, call us at 866-983-8726.
Friday, February 25, 2011
III - Car Breakdown Safety
Steps To Take If Your Car Breaks Down On A Main Road
III - Car Breakdown Safety
III - Car Breakdown Safety
III - Homeowners Insurance
Homeowners Premiums Decrease, Have you reveiwed your policy recently?
III - Homeowners Insurance
III - Homeowners Insurance
Tuesday, February 8, 2011
Winter Storms Costs Insurers
AIR: Early Feb. Winter Storm To Cost Insurers Up To $1.4 Billion | PropertyCasualty360
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Monday, January 31, 2011
Healthcare Planning and the New Reality
Stay Up On The Latest News On Our Blog About Healthcare Planning!
More articles will be posted due to the formation of Chumenti & Fusco Wealth $ Health Planning, Inc
Healthcare Planning and the New Reality
More articles will be posted due to the formation of Chumenti & Fusco Wealth $ Health Planning, Inc
Healthcare Planning and the New Reality
Sunday, January 30, 2011
New Technology Classes That M.J.F.'s Carriers Can Write
In this technoligical age we realize that there are many companies that are looking for a carrier that specializes in these type of coverages. M.J.F. has access to a carrier who understands the industry and its needs. If you operate one of these organizations then you should call M.J.F to discuss our niche program. We will design a plan that fits your unique needs based on the work that you perform.
Computer Consultants
Computer Training
Computer Facilities Management
Life Science & Biotechnology Consultants Office
Computer Hardware Consultants Office
Computer Software Consultants Office
Telecommunications Consultant Office
Information Technology Consultants Office
Custom Computer Programming
Data Processing Services, Hosting & Related Services
Packaged Software Development
Internet Service Providers
Web Search Portals
Website Design
Computer System Integrators
Software Research & Development - No Products
Information Technology Staffing
Personal Computer Repair & Maintenance
Optical Instruments & Lens Manufacturers
Computer Manufacturing
Telephone Apparatus Manufacturing
Radio & TV Broadcasting & Wireless Communications Equipment Manufacturing
Sound Equipment Manufacturing
Audio & Video Equipment Manufacturing
Printed Circuit Assembly
Camera & Photo Equipment (No Lenses) Manufacturing
Computer Storage Device Manufacturing
Computer Terminal Manufacturing
Computer Peripheral Equipment Manufacturing
Cable TV Equipment Manufacturing
Home Entertainment Equipment Manufacturing
Electronic Part & Equipment Wholesalers
M.J.F. is an independent insurance agency, let our independence work for you!
Licensed in NY, NJ,CT FL,PA & SC
Computer Consultants
Computer Training
Computer Facilities Management
Life Science & Biotechnology Consultants Office
Computer Hardware Consultants Office
Computer Software Consultants Office
Telecommunications Consultant Office
Information Technology Consultants Office
Custom Computer Programming
Data Processing Services, Hosting & Related Services
Packaged Software Development
Internet Service Providers
Web Search Portals
Website Design
Computer System Integrators
Software Research & Development - No Products
Information Technology Staffing
Personal Computer Repair & Maintenance
Optical Instruments & Lens Manufacturers
Computer Manufacturing
Telephone Apparatus Manufacturing
Radio & TV Broadcasting & Wireless Communications Equipment Manufacturing
Sound Equipment Manufacturing
Audio & Video Equipment Manufacturing
Printed Circuit Assembly
Camera & Photo Equipment (No Lenses) Manufacturing
Computer Storage Device Manufacturing
Computer Terminal Manufacturing
Computer Peripheral Equipment Manufacturing
Cable TV Equipment Manufacturing
Home Entertainment Equipment Manufacturing
Electronic Part & Equipment Wholesalers
M.J.F. is an independent insurance agency, let our independence work for you!
Licensed in NY, NJ,CT FL,PA & SC
A List of Some Hard To Place Risks That MJF Can Write
Commercial Auto
Demolition
Sanitation
Truckers
Dumps
Delivery
Tow Trucks
Household Movers
Sand & Gravel
Crane Program
Other Classifications
Alarm Installers
Bars & Taverns
Bed & Breakfasts
Catering Halls
Day Nursery / Preschool
Exercise / Health Clubs
Exterminators
Flea Markets
Foreclosue / Eviction Cleanup
Golf & Mini Golf
Hotel / Motel
Janitorial
Liquor Liability
Pawn Shops
Private Detective
Push Cart / Street Vendor
Recycler
Sports Camp
Tech or Trade Schools
Chiropractic
Home Healthcare
Hospice
Imaging Centers
Message Therapy
Medical Spa's
Nursing Homes
Physical Therapy
Podiatry
Rehab Facilities
Temp. Medical Staffing
Contact us today for more information and a no obligation quote!
866-983-8726
Demolition
Sanitation
Truckers
Dumps
Delivery
Tow Trucks
Household Movers
Sand & Gravel
Crane Program
Other Classifications
Alarm Installers
Bars & Taverns
Bed & Breakfasts
Catering Halls
Day Nursery / Preschool
Exercise / Health Clubs
Exterminators
Flea Markets
Foreclosue / Eviction Cleanup
Golf & Mini Golf
Hotel / Motel
Janitorial
Liquor Liability
Pawn Shops
Private Detective
Push Cart / Street Vendor
Recycler
Sports Camp
Tech or Trade Schools
Chiropractic
Home Healthcare
Hospice
Imaging Centers
Message Therapy
Medical Spa's
Nursing Homes
Physical Therapy
Podiatry
Rehab Facilities
Temp. Medical Staffing
Contact us today for more information and a no obligation quote!
866-983-8726
Saturday, January 29, 2011
M.J.F. Offers Coverage For Boats, Hotels, Motels, Bed & Breakfasts and Inns
M.J.F. has recently added new carriers in NY,NJ,PA,CT, SC & FL.
Those new relationships have given us access to niche carriers catering to boat owners, hotel, motel, bed & breakfasts and Inns.
Our goal is to become a premier provider to these boat and business owners. Our carriers will offer coverage regardless of size.
In addition to these coverages for our hotel owners, we can also help you with your employee benefits package, group life, disability, workers compensation, commercial general liability, excess liability,liquor liability employment practices liability and commercial auto's.
We are a full service agency!
Contact us today for a comparison quote.
866-983-8726 or on the web at
www.mjfinsuranceagency.com
Those new relationships have given us access to niche carriers catering to boat owners, hotel, motel, bed & breakfasts and Inns.
Our goal is to become a premier provider to these boat and business owners. Our carriers will offer coverage regardless of size.
In addition to these coverages for our hotel owners, we can also help you with your employee benefits package, group life, disability, workers compensation, commercial general liability, excess liability,liquor liability employment practices liability and commercial auto's.
We are a full service agency!
Contact us today for a comparison quote.
866-983-8726 or on the web at
www.mjfinsuranceagency.com
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Morey's Pier Help's Wilwood N.J. Schools Raise Funds
Wildwood 365: Morey's Piers introduces School FUNd Raiser Program
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Tuesday, January 25, 2011
Get Your NetSpend Prepaid Debit Card
NO CREDIT CHECKS
GREAT FOR DIRECT DEPOSIT
OF TAX REFUNDS & YOUR PAYROLL
CARD ARRIVES IN 7-10 DAYS
APPLY TODAY AT
www.mjfinsurance.com
GREAT FOR DIRECT DEPOSIT
OF TAX REFUNDS & YOUR PAYROLL
CARD ARRIVES IN 7-10 DAYS
APPLY TODAY AT
www.mjfinsurance.com
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Monday, January 24, 2011
The Importance of Long Term Care Insurance
A breif explanation why planning and Long Term Care are important elements of your life. Long Term care will allow you to maintain your independence and possibly remain in your own home, not a nursing home. Contact us today for more information.
Click on The Importance Of Planning below
The Importance of Planning
Click on The Importance Of Planning below
The Importance of Planning
Sunday, January 23, 2011
Michael J. Fusco & John R. Chumenti Branch Out From Chumenti Accounting & M.J.F. Insurance and Create Chumenti & Fusco Wealth $ Health Planning, Inc.
Michael J. Fusco and John R. Chumenti have opened up Chumenti & Fusco Health $ Wealth Planning, Inc..
Together they will bring their tax and insurance expertise to help clients plan for retirement, longevity and estate planning.
John R. Chumenti has over 25 years in accounting, retirement and estate planning. Michael J. Fusco has over 20 years providing insurance and retirement products for his clients.
For a consultation you can reach us at mfusco@mjfinsurance.com
Together they will bring their tax and insurance expertise to help clients plan for retirement, longevity and estate planning.
John R. Chumenti has over 25 years in accounting, retirement and estate planning. Michael J. Fusco has over 20 years providing insurance and retirement products for his clients.
For a consultation you can reach us at mfusco@mjfinsurance.com
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Saturday, January 22, 2011
'Biggest Loser' Frado backs free Staten Island Slim Down program that offers coaching and fitness classes, dangles 1G prize | SILive.com
Slim Down Effort Gets Major Endorsement from N.Y.C. Councilman James Oddo and Fredo "Biggest Loser"
M.J.F. Insurance Client Fresh Grill Delivery Service of Staten Island, also provides the nutritional meals that could help one lose weight by providing all natural servings. Each meal is individually prepared based on each persons needs on individual basis and delivers those meals homes daily.
'Biggest Loser' Frado backs free Staten Island Slim Down program that offers coaching and fitness classes, dangles 1G prize | SILive.com
M.J.F. Insurance Client Fresh Grill Delivery Service of Staten Island, also provides the nutritional meals that could help one lose weight by providing all natural servings. Each meal is individually prepared based on each persons needs on individual basis and delivers those meals homes daily.
'Biggest Loser' Frado backs free Staten Island Slim Down program that offers coaching and fitness classes, dangles 1G prize | SILive.com
Wednesday, January 19, 2011
Let M.J.F. Insurance Agency's Independence Work For You!
As an Independent Insurance Agency we offer you access to multiple insurance carriers. Whether you are looking to insure your business or to insure you, your family or personal assetts, we can help. We do all the legwork for you.
M.J.F. is licensed in N.Y.,N.J., C.T.,FL.,PA. & S.C.
VISIT OUR WEBSITE
www.mjfinsuranceagency.com
M.J.F. is licensed in N.Y.,N.J., C.T.,FL.,PA. & S.C.
VISIT OUR WEBSITE
www.mjfinsuranceagency.com
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Automobile Breakdown Coverage - For N.Y. Only
Has you factory warranty expired, experiencing more frequent visits to your mechanic?
We offer an extended vehicle warranty with 3 types of plans. Regardless of which plan you choose you still use your own mechanic. The plan will pay your mechanic for the repair!
Purchase your warranty and pay the full annual premium either by credit card or cash and we will give you a discount of $125 off your premium.
Must purchase by February 1,2011.
We offer an extended vehicle warranty with 3 types of plans. Regardless of which plan you choose you still use your own mechanic. The plan will pay your mechanic for the repair!
Purchase your warranty and pay the full annual premium either by credit card or cash and we will give you a discount of $125 off your premium.
Must purchase by February 1,2011.
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New York, New Jersey Online Defensive Driver Courses
Want to reduce your auto insurance premiums? Now you can do so from your own home. 100% online and 30 days to complete the course. Access from any computer with an internet connection.
In N.Y. 10% premium reduction and it removes up to 4 points off your license. You can retake the course every 3 years.
In N.J. the discounts vary by carrier and you can remove 2 points from your license.
Course reports to D.M.V. within 48 hours of completion.
Course offered in conjunction with the American Safety Council.
Visit our website at www.mjfinsuranceagency.com or
www.mjfdefensivedriver.com
Online Florida Boating Safety Course also offered on our
www.mjfdefensivedriver.com
O.S.H.A. Safety Online Courses also available through M.J.F at
www.mjfinsuranceagency.com
www.mjfoshasafety.com
In N.Y. 10% premium reduction and it removes up to 4 points off your license. You can retake the course every 3 years.
In N.J. the discounts vary by carrier and you can remove 2 points from your license.
Course reports to D.M.V. within 48 hours of completion.
Course offered in conjunction with the American Safety Council.
Visit our website at www.mjfinsuranceagency.com or
www.mjfdefensivedriver.com
Online Florida Boating Safety Course also offered on our
www.mjfdefensivedriver.com
O.S.H.A. Safety Online Courses also available through M.J.F at
www.mjfinsuranceagency.com
www.mjfoshasafety.com
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Dog Bite Insurance for N.Y. Pet Owners
Call today if you have a dog not trained to attack and not a guard dog! We can offer you a $100,000 insurance policy to protect your assetts.
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Monday, January 17, 2011
Business Succession Planning For The Business Owner
Every business owner faces risk! Therefore there are several key questions that need to be answered if you own your own business.
Do you have a properly designed Buy-Sell Agreement. In other words have you put in place an agreement if one of the partners or co-owners was to leave due to death,disability or retirement. If you do then how is it being funded at this time? If not it might be wise to visit an attorney to formulate the agreement and then decide how it will be funded. Life insurance can provide a buyout fund when an event takes place.
Are there any business loans and are they personally guarunteed?
Most business loans require a personal guaruntee.These loans should also be backed with a life insurance policy and or a disability to cover the outstanding debt to have the peace of mind that the loan will be paid in the event of an event of death or disability.
Do you have enough funds set aside for the business to pay you a salary if you are beset by a prolonged illness and what will your absence mean to the business. Are you the key employee? Can you afford to find a replacement?
Who are the employees that you rely on or are the most valuable to your business? Can your business continue to maintain its current level of production or would it suffer without these employees?
Have you considered being what those employees mean to your business and considered additional incentives to retain their services? They may be the key the the business succeeding if you are unable to work or in the event of death allowing your family to continue managing the business because of your advanced planning.
If you have not prepared for any of these situations you may want to think about what it means to you and your family if your not prepared. You can continue your business and provide you and your family the ability to maintain your current lifestyle and independence.
Talk to your independent agent to set up your business succession plan today.
www.mjfinsuranceagency.com
Do you have a properly designed Buy-Sell Agreement. In other words have you put in place an agreement if one of the partners or co-owners was to leave due to death,disability or retirement. If you do then how is it being funded at this time? If not it might be wise to visit an attorney to formulate the agreement and then decide how it will be funded. Life insurance can provide a buyout fund when an event takes place.
Are there any business loans and are they personally guarunteed?
Most business loans require a personal guaruntee.These loans should also be backed with a life insurance policy and or a disability to cover the outstanding debt to have the peace of mind that the loan will be paid in the event of an event of death or disability.
Do you have enough funds set aside for the business to pay you a salary if you are beset by a prolonged illness and what will your absence mean to the business. Are you the key employee? Can you afford to find a replacement?
Who are the employees that you rely on or are the most valuable to your business? Can your business continue to maintain its current level of production or would it suffer without these employees?
Have you considered being what those employees mean to your business and considered additional incentives to retain their services? They may be the key the the business succeeding if you are unable to work or in the event of death allowing your family to continue managing the business because of your advanced planning.
If you have not prepared for any of these situations you may want to think about what it means to you and your family if your not prepared. You can continue your business and provide you and your family the ability to maintain your current lifestyle and independence.
Talk to your independent agent to set up your business succession plan today.
www.mjfinsuranceagency.com
Friday, January 14, 2011
A Listing of Some of the Insurance Carriers M.J.F. Represents
BRIEF LIST OF SOME OF OUR CARRIERS:
ACE
ARI
CHUBB
CNA
CRUM & FORSTER
DELOS INSURANCE GROUP
FOREMOST INSURANCE
GUARUNTEE INSURANCE COMPANY
GUARD INSURANCE GROUP
HAGERTY CLASSIC AUTO
HARTFORD
KINGSTONE
MET LIFE
NEW JERSEY SKYLANDS
NFS NATIONAL FLOOD SERVICE
HARTFORD FLOOD
NORFOLK & DEDHAM GROUP
PEERLESS
PROGRESSIVE
RLI SURETY
TRAVELERS
TOWER INSURANCE
UTICA FIRST
ZURICH
CONTACT M.J.F. TO FIND OUT HOW WE CAN HELP YOU SAVE ON PREMIUM.
WHEN WAS THE LAST TIME YOUR POLICY WAS REVIEWED?
WE REQUOTE YOUR POLICY ANNUALLY UPON RENEWAL WITH MULTIPLE CARRIERS!
WE WILL FIND THE CARRIER THAT'S RIGHT FOR YOU!
ACE
ARI
CHUBB
CNA
CRUM & FORSTER
DELOS INSURANCE GROUP
FOREMOST INSURANCE
GUARUNTEE INSURANCE COMPANY
GUARD INSURANCE GROUP
HAGERTY CLASSIC AUTO
HARTFORD
KINGSTONE
MET LIFE
NEW JERSEY SKYLANDS
NFS NATIONAL FLOOD SERVICE
HARTFORD FLOOD
NORFOLK & DEDHAM GROUP
PEERLESS
PROGRESSIVE
RLI SURETY
TRAVELERS
TOWER INSURANCE
UTICA FIRST
ZURICH
CONTACT M.J.F. TO FIND OUT HOW WE CAN HELP YOU SAVE ON PREMIUM.
WHEN WAS THE LAST TIME YOUR POLICY WAS REVIEWED?
WE REQUOTE YOUR POLICY ANNUALLY UPON RENEWAL WITH MULTIPLE CARRIERS!
WE WILL FIND THE CARRIER THAT'S RIGHT FOR YOU!
Advantages of Enrolling For Your Free NetSpend Prepaid Debit Card Through M.J.F.
If you don't have a credit card or a bank account and you live in a cash only world the card can be just the answer for you. To receive the card we need to provide a sociol security number or government document as listed on our website enrollment form.
This is not a credit card and therefore there are no credit checks to obtain a card. The card can be used to shop, pay bills onlineor over the phone where cash is not accepted.
NetSpend offers 3 different plans and they can save you money!
Bank & Cash Customers
Cash Customers can't take advantage of any E.F.T. Discounts
Bank Customers overdraw & are charged $20 per NSF
Cash Customer has to drive to cash their check, waits in line and drives to my agency to pay their premiums and other bills
Cash Customer pay a fee between 1 -4 % check cashing fee
Cash Customer may need to purchase a money order to pay multiple bills
NetSpend Cardholder
Use EFT / ACH payments to pay insurance premiums to receive EFT discount
No NSF's as you can only spend what you have loaded on the card
Receive funds through direct deposit or by loading cash
No check cashing fees, saving money if enrolled in direct deposit
Make payments over the phone or ACH from the card and save on money orders
Funds are FDIC insured!
Optional Features of the Card
Free 5.00% APY Savings Plan
Money management Tools
Ability to set up automatic payments with Bill Pay
Free anytime alerts
Person to person transfers
With Direct Deposit you will enjoy quicker access to the funds and Life Benefits
Enroll today on our website www.mjfinsurance.com or www.mjfinsuranceagency.com
You can receive your card within 7-10 business days
Have access to over 100,000 load locations
why not start by loading your tax refund on the card, no more waiting in lines, no check cashing fees, government gives EFT / ACH a higher priority for tax refunds over cutting paper checks.
The NetSpend Prepaid Debit Visa Card if Free just for enrolling through our websites
Michael Fusco
M.J.F. Insurance Agency
Authorized NetSpend Representative
This is not a credit card and therefore there are no credit checks to obtain a card. The card can be used to shop, pay bills onlineor over the phone where cash is not accepted.
NetSpend offers 3 different plans and they can save you money!
Bank & Cash Customers
Cash Customers can't take advantage of any E.F.T. Discounts
Bank Customers overdraw & are charged $20 per NSF
Cash Customer has to drive to cash their check, waits in line and drives to my agency to pay their premiums and other bills
Cash Customer pay a fee between 1 -4 % check cashing fee
Cash Customer may need to purchase a money order to pay multiple bills
NetSpend Cardholder
Use EFT / ACH payments to pay insurance premiums to receive EFT discount
No NSF's as you can only spend what you have loaded on the card
Receive funds through direct deposit or by loading cash
No check cashing fees, saving money if enrolled in direct deposit
Make payments over the phone or ACH from the card and save on money orders
Funds are FDIC insured!
Optional Features of the Card
Free 5.00% APY Savings Plan
Money management Tools
Ability to set up automatic payments with Bill Pay
Free anytime alerts
Person to person transfers
With Direct Deposit you will enjoy quicker access to the funds and Life Benefits
Enroll today on our website www.mjfinsurance.com or www.mjfinsuranceagency.com
You can receive your card within 7-10 business days
Have access to over 100,000 load locations
why not start by loading your tax refund on the card, no more waiting in lines, no check cashing fees, government gives EFT / ACH a higher priority for tax refunds over cutting paper checks.
The NetSpend Prepaid Debit Visa Card if Free just for enrolling through our websites
Michael Fusco
M.J.F. Insurance Agency
Authorized NetSpend Representative
Tuesday, January 11, 2011
A test of faith: 4 Staten Island Catholic schools to get ax | SILive.com
What Will These Closings Mean To Staten Island Students? What Will Be The Alternatives, Public School?
A test of faith: 4 Staten Island Catholic schools to get ax | SILive.com
A test of faith: 4 Staten Island Catholic schools to get ax | SILive.com
Monday, January 10, 2011
M.J.F. Now Has Carriers For All Your Commercial Auto Insurance Needs!
Effective immediately, M.J.F. is rolling out it's enhanced line of carriers for commercial vehicles in the States of NY,NJ,CT,FL,PA & SC. We now have 8 carriers willing to write your business automobiles and trucks regardless of size and on a monoline basis.
Landscapers, general contractors,remodeling and repairing contractors,heavy construction contractors, paving contractors, road building contractors,grading contractors, trenching & underground contractors, special trade, heating contractors, sheet metal work contractors,plumbing contractors,mechanical contractors, air conditioning contractors and systems,ventilating contractors, electric contractors, masonary contractors, drywall contractors, insulation contractors cold & heat, roofing contractors, siding contractors, courier services, stucco contractors,excavating contractors, foundation contractors, demolition contractors, fence contractors, rigging contractors, millwrighting contractors, service vehicles for crain & oil field, marble contractors equipment & supplies manufacturer, dry wall contractors equipment & supplies,contracting equipment and supplies that are rented, decorating contractors for parties & conventions, contractors - engineering general, appliance distributor, beverage distributor, food distributors, florists, caterers, pool maintenance & repair, logging contractors and more!
Request Your Quote Today! www.mjfinsuranceagency.com or 866-983-8726
Only classes not elidgible are Public Auto, Emergency Vehicles & School Buses
Landscapers, general contractors,remodeling and repairing contractors,heavy construction contractors, paving contractors, road building contractors,grading contractors, trenching & underground contractors, special trade, heating contractors, sheet metal work contractors,plumbing contractors,mechanical contractors, air conditioning contractors and systems,ventilating contractors, electric contractors, masonary contractors, drywall contractors, insulation contractors cold & heat, roofing contractors, siding contractors, courier services, stucco contractors,excavating contractors, foundation contractors, demolition contractors, fence contractors, rigging contractors, millwrighting contractors, service vehicles for crain & oil field, marble contractors equipment & supplies manufacturer, dry wall contractors equipment & supplies,contracting equipment and supplies that are rented, decorating contractors for parties & conventions, contractors - engineering general, appliance distributor, beverage distributor, food distributors, florists, caterers, pool maintenance & repair, logging contractors and more!
Request Your Quote Today! www.mjfinsuranceagency.com or 866-983-8726
Only classes not elidgible are Public Auto, Emergency Vehicles & School Buses
Friday, January 7, 2011
III - What is covered by a basic auto policy?
Basic Auto Insurance policy Coverages! Know what coverage your policy provides!
III - What is covered by a basic auto policy?
III - What is covered by a basic auto policy?
How professional liability insurance can protect your business in a crisis - Philip Glick, ECBM Insurance Brokers and Consultants
The importance of professional Liability Coverage
How professional liability insurance can protect your business in a crisis - Philip Glick, ECBM Insurance Brokers and Consultants
How professional liability insurance can protect your business in a crisis - Philip Glick, ECBM Insurance Brokers and Consultants
Tuesday, January 4, 2011
Friday, December 31, 2010
Wednesday, December 29, 2010
Nueces County Record Star > Local News > Construction company penalized $87,000 by OSHA
Nueces County Record Star > Local News > Construction company penalized $87,000 by OSHA
O.S.H.A. SAFETY CERTIFICATION COURSES
MAKE SURE YOUR EMPLOYEES ARE QUALIFIED
COURSES VALID NATIONWIDE 100% ONLINE - START TODAY!
TWO CONVENIENT WEBSITES TO ENROLL
WWW.MJFINSURANCEAGENCY.COM
WWW.MJFOSHASAFETY.COM
O.S.H.A. SAFETY CERTIFICATION COURSES
MAKE SURE YOUR EMPLOYEES ARE QUALIFIED
COURSES VALID NATIONWIDE 100% ONLINE - START TODAY!
TWO CONVENIENT WEBSITES TO ENROLL
WWW.MJFINSURANCEAGENCY.COM
WWW.MJFOSHASAFETY.COM
Missouri Bank Sues Over Hacker
Missouri Bank Sues Over Hacker
Is your business properly insured for Cyber Liability?
Contact us today!
Is your business properly insured for Cyber Liability?
Contact us today!
Best Affirms Progressive and Subs 'A+' Ratings; Outlook Stable
Best Affirms Progressive and Subs 'A+' Ratings; Outlook Stable
Get your M.J.F. Agency Progressive Quote today! We also offer snowmobile and A.T.V. coverage
Get your M.J.F. Agency Progressive Quote today! We also offer snowmobile and A.T.V. coverage
PhantomAlert.com: No More Speeding Tickets - Home
PhantomAlert.com: No More Speeding Tickets - Home
Click On The Above For More Information On The PhantomAlert.com!
#Tickets,Red Lights, Red Light camera's, Speed Traps
Click On The Above For More Information On The PhantomAlert.com!
#Tickets,Red Lights, Red Light camera's, Speed Traps
Thursday, December 23, 2010
Tuesday, December 21, 2010
Online C.P.R Certification & Recertification Courses
# www.mjfonlinecpr.webs.com online courses for CPR CERTIFICATION,FIRST AID, BLOODBORNE PATHOGEN, PRO HOME SAFETY. USE discount code CPR-1865
Published with Blogger-droid v1.6.5
Changing Auto Insurance Companies?
Changing Auto Insurance Companies May be Easier Than you Think!
There are many reasons why you may choose to change your auto insurance coverage to another company. Perhaps you’ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you’re unhappy with the service that your present company provides. With the growth of the internet and quote comparison sites, investigating your options has never been easier!
Why change to a new Auto insurance carrier?
You need to regularly review your auto insurance coverage to make sure that you are receiving the best insurance value for your money. You will discover that it pays to shop around. In some states, premiums for identical policies vary widely among different auto insurance companies. The reasons for this price variation can be very complicated, but they boil down to a company's claims experience with policyholders in a coverage group (e.g. people of similar age, number of accidents, type of vehicle). For example, if a large number of people in a coverage group files claims during a given year, their rates will likely rise. When this happens, better discounts and lower overall premiums may be available at other insurance companies. When you decide to switch your auto insurance to another company, you’ll find that it's fairly easy to do so.
How to cancel your old Auto Insurance policy
Generally, all you need to do to cancel your auto insurance policy is to inform your insurance company in writing, specifying the date you want the policy canceled. In some states, the new agent must notify the previous agent of the policy change. Some auto insurance companies ask the policyholder send back the actual printed policy. The insurance company will send a cancellation request form that will need to be signed and returned. Examine the form carefully to make sure that all information regarding the policy is correct. If the form is not received within two weeks of sending the letter, call the agent or company immediately to check on the status of the cancellation. Don't just walk away from the old policy without formally canceling it. Each state requires that auto Insurance policies be cancelled with notice, thus the insurance company might assume one wished to continue the coverage, and it might eventually terminate the policy for failure to pay premiums and report the lack of coverage to the state Department of Motor Vehicles. This can hurt your credit rating and ability to get a new policy.
Be sure to get a new Auto Insurance policy first
Always have a new policy in place before canceling the old auto insurance coverage. Otherwise you might have a gap in protection for a day or more! Most states require all drivers to carry a minimum level of auto insurance and most insurance companies require policyholders to present proof of new coverage before they will cancel an active policy. The new company will be able to time the beginning of the new policy to coincide with the cancellation of the prior coverage.
When to Change Auto Insurance policies
At Renewal
Renewal is a convenient time to change auto insurance policies, as you don’t have to wait for a refund from your current carrier. A renewal notice will be sent to you approximately 30 days before a new policy begins, depending on the regulations in your state. Should you decide to switch companies, you’ll need to have a new policy by the time the current policy renews. Though a company might say there is 10-30 days to get your payment in before a policy terminates, you do not have coverage until the carrier receives the payment. If you have an accident during this time period you most likely will have no coverage since the premium wasn’t paid!
Anytime:
All Auto insurance policies contain a provision allowing you to cancel your policy with proper notice at any time. In a few states auto insurance companies “short rate” the policy that means one pays a penalty for canceling before the policy renews. Most insurance companies pro-rate their policies so there is no penalty. The advantage of switching before the renewal date can save you a lot of money. For example if you have a policy that runs from Jan 15th to Aug 15th and you have an accident or ticket that will be over 36 months on March 15th. By switching Auto insurance companies on March 16th, you get a discount for having a clean driving record. Your current carrier won’t apply this discount until the policy renews on August 15th! This can save you Hundreds of dollars immediately!
How long does it take to change Auto insurance?
When you change auto insurance companies, the new agent or insurer can generally change carriers while you wait! Generally they’ll just need a copy of your current declaration page, driver’s license and down payment to get the policy issued.
So why not get started today
Contact us at:
www.mjfinsuranceagency.com
or
www.mjfinsurance.com
For your quote!
There are many reasons why you may choose to change your auto insurance coverage to another company. Perhaps you’ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you’re unhappy with the service that your present company provides. With the growth of the internet and quote comparison sites, investigating your options has never been easier!
Why change to a new Auto insurance carrier?
You need to regularly review your auto insurance coverage to make sure that you are receiving the best insurance value for your money. You will discover that it pays to shop around. In some states, premiums for identical policies vary widely among different auto insurance companies. The reasons for this price variation can be very complicated, but they boil down to a company's claims experience with policyholders in a coverage group (e.g. people of similar age, number of accidents, type of vehicle). For example, if a large number of people in a coverage group files claims during a given year, their rates will likely rise. When this happens, better discounts and lower overall premiums may be available at other insurance companies. When you decide to switch your auto insurance to another company, you’ll find that it's fairly easy to do so.
How to cancel your old Auto Insurance policy
Generally, all you need to do to cancel your auto insurance policy is to inform your insurance company in writing, specifying the date you want the policy canceled. In some states, the new agent must notify the previous agent of the policy change. Some auto insurance companies ask the policyholder send back the actual printed policy. The insurance company will send a cancellation request form that will need to be signed and returned. Examine the form carefully to make sure that all information regarding the policy is correct. If the form is not received within two weeks of sending the letter, call the agent or company immediately to check on the status of the cancellation. Don't just walk away from the old policy without formally canceling it. Each state requires that auto Insurance policies be cancelled with notice, thus the insurance company might assume one wished to continue the coverage, and it might eventually terminate the policy for failure to pay premiums and report the lack of coverage to the state Department of Motor Vehicles. This can hurt your credit rating and ability to get a new policy.
Be sure to get a new Auto Insurance policy first
Always have a new policy in place before canceling the old auto insurance coverage. Otherwise you might have a gap in protection for a day or more! Most states require all drivers to carry a minimum level of auto insurance and most insurance companies require policyholders to present proof of new coverage before they will cancel an active policy. The new company will be able to time the beginning of the new policy to coincide with the cancellation of the prior coverage.
When to Change Auto Insurance policies
At Renewal
Renewal is a convenient time to change auto insurance policies, as you don’t have to wait for a refund from your current carrier. A renewal notice will be sent to you approximately 30 days before a new policy begins, depending on the regulations in your state. Should you decide to switch companies, you’ll need to have a new policy by the time the current policy renews. Though a company might say there is 10-30 days to get your payment in before a policy terminates, you do not have coverage until the carrier receives the payment. If you have an accident during this time period you most likely will have no coverage since the premium wasn’t paid!
Anytime:
All Auto insurance policies contain a provision allowing you to cancel your policy with proper notice at any time. In a few states auto insurance companies “short rate” the policy that means one pays a penalty for canceling before the policy renews. Most insurance companies pro-rate their policies so there is no penalty. The advantage of switching before the renewal date can save you a lot of money. For example if you have a policy that runs from Jan 15th to Aug 15th and you have an accident or ticket that will be over 36 months on March 15th. By switching Auto insurance companies on March 16th, you get a discount for having a clean driving record. Your current carrier won’t apply this discount until the policy renews on August 15th! This can save you Hundreds of dollars immediately!
How long does it take to change Auto insurance?
When you change auto insurance companies, the new agent or insurer can generally change carriers while you wait! Generally they’ll just need a copy of your current declaration page, driver’s license and down payment to get the policy issued.
So why not get started today
Contact us at:
www.mjfinsuranceagency.com
or
www.mjfinsurance.com
For your quote!
Monday, December 20, 2010
Simple Payroll Solutions
M.J.F. offers payroll services through Simple Payroll Solutions. You may ask why does an insurance agency offer such a poduct? It is a tool we use for our new Pay As You Go Workers Compensation Product in New York and New Jersey.
You are probably asking why leave companies like A.D.P. or other well known payroll companies. The reason is we can place your workers compensation and deduct it through your payroll. The advantage is Simple Payroll Solutions does not charge a fee for your payroll service, which automatically saves you money and we only need the first month premium to bind. Most companies require large premium deposits upfront, this also creates financial leverage or liquidity for your business. Secondly, you are now paying for actual payroll and not estimated payroll. No need for an audit at year end because the premium will be accurate. No refunds due the company and no additional premium required on estimated payroll that comes up short.
Then we can review your other insurance policies to save you additional premium and make sure you are properly insured. It's a win win for the business owner all around.
Contact us today to schedule an appointment to discuss our Simple Payroll Solution product and start saving money. It's the perfect way to start off the New Year! You work hard for your money and deserve to reap the benefits. Why should you just hand over fees for unnecessary fees to another company.
www.mjfinsuranceagency.com
866-983-8726
You are probably asking why leave companies like A.D.P. or other well known payroll companies. The reason is we can place your workers compensation and deduct it through your payroll. The advantage is Simple Payroll Solutions does not charge a fee for your payroll service, which automatically saves you money and we only need the first month premium to bind. Most companies require large premium deposits upfront, this also creates financial leverage or liquidity for your business. Secondly, you are now paying for actual payroll and not estimated payroll. No need for an audit at year end because the premium will be accurate. No refunds due the company and no additional premium required on estimated payroll that comes up short.
Then we can review your other insurance policies to save you additional premium and make sure you are properly insured. It's a win win for the business owner all around.
Contact us today to schedule an appointment to discuss our Simple Payroll Solution product and start saving money. It's the perfect way to start off the New Year! You work hard for your money and deserve to reap the benefits. Why should you just hand over fees for unnecessary fees to another company.
www.mjfinsuranceagency.com
866-983-8726
Health Savings Accounts - HSA Health Insurance Plans
What is an HSA?
A Health Savings Account, or HSA combines high deductible health insurance with a tax-favored savings account, similar to a 401(k). Money in the savings account helps pay the deductible. If the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep or spend on qualified medical expenses. There is no “use it or lose it” restriction with an HSA.
What are qualified medical expenses?
HSA savings can be used to pay for many types of medical expenses beyond what is covered by your insurance plan. These expenses include dental services, vision, alternative medicine, long-term care services, prescription drug and certain over-the-counter drugs.
Who is eligible for an HSA?
Anyone who is not entitled to Medicare can accumulate tax-favored savings for healthcare needs. You must have a qualified high deductible plan to receive the benefits. The current minimum deductible amounts are $1,100 for a single and $2,200 for a family. HealthPlanOne clearly identifies plans that qualify for HSA tax savings accounts. Simply use our Refine Search tool to include only HSA’s.
There are 2 steps to setting up an HSA:
Select and apply for a qualified HSA health plan
Wait for your application to be approved
Set up an HSA tax favored savings account with your insurance carrier or our affiliate.
If you contribute money to your HSA account, your health coverage could be FREE!
Assume that you are a self-employed individual. You purchase an HSA policy and make a significant tax-free contribution. The resulting tax savings might pay for the health care premium!
It would work like this. You purchase an individual HSA policy with a $2,500 deductible for $1,400 per year. You then contribute the maximum $2,500 to your HSA account. The tax savings would be $1,380, very close to the cost of a high deductible medical policy: Annual Cost Tax Bracket Tax Savings
Insurance Premium $1,400 45% $630
HSA Contribution $2,500 30% $750
Total Savings $1,380
Even if you incur $500 health care expenses for the year, you still will have paid for the cost of the policy with tax savings and have $2000 of your savings in an tax preferred, investment account.
The example assumes you have a combined federal and state tax rate of 30% and an additional self-employed payroll tax of 15%. Tax rates will differ based on your situation.
To find out which plans qualify for HSA treatment, simply search the plans and then use our Refine Search tool to include only HSA's
For more information contact us at
www.mjfinsuranceagency.com
A Health Savings Account, or HSA combines high deductible health insurance with a tax-favored savings account, similar to a 401(k). Money in the savings account helps pay the deductible. If the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep or spend on qualified medical expenses. There is no “use it or lose it” restriction with an HSA.
What are qualified medical expenses?
HSA savings can be used to pay for many types of medical expenses beyond what is covered by your insurance plan. These expenses include dental services, vision, alternative medicine, long-term care services, prescription drug and certain over-the-counter drugs.
Who is eligible for an HSA?
Anyone who is not entitled to Medicare can accumulate tax-favored savings for healthcare needs. You must have a qualified high deductible plan to receive the benefits. The current minimum deductible amounts are $1,100 for a single and $2,200 for a family. HealthPlanOne clearly identifies plans that qualify for HSA tax savings accounts. Simply use our Refine Search tool to include only HSA’s.
There are 2 steps to setting up an HSA:
Select and apply for a qualified HSA health plan
Wait for your application to be approved
Set up an HSA tax favored savings account with your insurance carrier or our affiliate.
If you contribute money to your HSA account, your health coverage could be FREE!
Assume that you are a self-employed individual. You purchase an HSA policy and make a significant tax-free contribution. The resulting tax savings might pay for the health care premium!
It would work like this. You purchase an individual HSA policy with a $2,500 deductible for $1,400 per year. You then contribute the maximum $2,500 to your HSA account. The tax savings would be $1,380, very close to the cost of a high deductible medical policy: Annual Cost Tax Bracket Tax Savings
Insurance Premium $1,400 45% $630
HSA Contribution $2,500 30% $750
Total Savings $1,380
Even if you incur $500 health care expenses for the year, you still will have paid for the cost of the policy with tax savings and have $2000 of your savings in an tax preferred, investment account.
The example assumes you have a combined federal and state tax rate of 30% and an additional self-employed payroll tax of 15%. Tax rates will differ based on your situation.
To find out which plans qualify for HSA treatment, simply search the plans and then use our Refine Search tool to include only HSA's
For more information contact us at
www.mjfinsuranceagency.com
Buying Health Insurance - How to Get the Best Health Insurance Plan for You
Buying health insurance is one thing, but buying the best health insurance for you can be tricky, especially when there are so many options and so many factors to consider. Before you get health insurance, you will probably want to create a health insurance comparison sheet. You can break down each plan by cost and benefit. Below are some important constituents that make up health insurance plans.
Important items to consider when buying health insurance:
The hospital and physicians that are in the network of the plan you choose.
You can start your health insurance comparison by asking yourself if you have a favorite hospital or physician. You'll want to make sure they are included in the network of any plan you consider purchasing.
Doctor visit copay.
When you get health insurance, a number that will often come into play is your plan's copay. The copay is the amount you will pay each time you visit the doctor.
Prescription benefit and copay.
Some plans do not include prescription drug benefits-you'll want to keep this in mind while you make your health insurance comparison. If coverage is included, the copay is the amount you will pay per prescription. The copay often differs depending on whether the drug is generic, preferred, or brand name. Before buying health insurance, you should calculate your current and estimated future cost of medications and determine your best value.
Annual deductible.
This is the annual amount of medical expenses that you are responsible for before your insurance begins paying. Usually, prescription drug copays mentioned above do not go towards this deductible.
Coinsurance.
Another factor you will want to consider in your health insurance comparison is the plan's coinsurance--the amount your carrier expects you to pay toward your medical expenses-typically this is 20-30% for in-network providers. The coinsurance amount is typically 20% high for out-of-network providers. The coinsurance maximum is the limit on how much coinsurance you might have to pay each year.
Out of pocket annual maximum.
Buying health insurance will always involve some amount of out of pocket maximum. The out of pocket maximum is the most you will be expected to incur annually. It is the sum of your deductible and maximum coinsurance amount.
Contact us for a quote at
www.mjfinsuranceagency.com
Lifetime maximum coverage.
After you get health insurance, your plan will pay out a certain amount over your lifetime. Typically this number is $1 million to $5 million. With the high cost of medical care it can be beneficial to have a higher coverage amount.
Premium.
Perhaps the most basic number to consider before buying health insurance, your premium is the amount you must pay each month for your policy. Premium is impacted by all of the attributes above. For instance, if you get a health insurance plan with a higher deductible policy, your premium will be lower, but you will have to pay more money out of pocket before your insurance kicks in.
HSA Qualified Plans.
HSA's are high deductible health plans which enable you to put money aside pre tax to pay for certain medical expenses. Most people like to weigh the costs and benefits of HSA's in their health insurance comparison.
Remember, it is one thing to get health insurance, but it is another to be sure you are purchasing the best available plan. If you have any questions about any of the above factors, a broker can walk you through each item.
Important items to consider when buying health insurance:
The hospital and physicians that are in the network of the plan you choose.
You can start your health insurance comparison by asking yourself if you have a favorite hospital or physician. You'll want to make sure they are included in the network of any plan you consider purchasing.
Doctor visit copay.
When you get health insurance, a number that will often come into play is your plan's copay. The copay is the amount you will pay each time you visit the doctor.
Prescription benefit and copay.
Some plans do not include prescription drug benefits-you'll want to keep this in mind while you make your health insurance comparison. If coverage is included, the copay is the amount you will pay per prescription. The copay often differs depending on whether the drug is generic, preferred, or brand name. Before buying health insurance, you should calculate your current and estimated future cost of medications and determine your best value.
Annual deductible.
This is the annual amount of medical expenses that you are responsible for before your insurance begins paying. Usually, prescription drug copays mentioned above do not go towards this deductible.
Coinsurance.
Another factor you will want to consider in your health insurance comparison is the plan's coinsurance--the amount your carrier expects you to pay toward your medical expenses-typically this is 20-30% for in-network providers. The coinsurance amount is typically 20% high for out-of-network providers. The coinsurance maximum is the limit on how much coinsurance you might have to pay each year.
Out of pocket annual maximum.
Buying health insurance will always involve some amount of out of pocket maximum. The out of pocket maximum is the most you will be expected to incur annually. It is the sum of your deductible and maximum coinsurance amount.
Contact us for a quote at
www.mjfinsuranceagency.com
Lifetime maximum coverage.
After you get health insurance, your plan will pay out a certain amount over your lifetime. Typically this number is $1 million to $5 million. With the high cost of medical care it can be beneficial to have a higher coverage amount.
Premium.
Perhaps the most basic number to consider before buying health insurance, your premium is the amount you must pay each month for your policy. Premium is impacted by all of the attributes above. For instance, if you get a health insurance plan with a higher deductible policy, your premium will be lower, but you will have to pay more money out of pocket before your insurance kicks in.
HSA Qualified Plans.
HSA's are high deductible health plans which enable you to put money aside pre tax to pay for certain medical expenses. Most people like to weigh the costs and benefits of HSA's in their health insurance comparison.
Remember, it is one thing to get health insurance, but it is another to be sure you are purchasing the best available plan. If you have any questions about any of the above factors, a broker can walk you through each item.
Sunday, December 19, 2010
NetSpend to Present at the Credit Suisse Annual Technology Conference - MarketWatch
NetSpend to Present at the Credit Suisse Annual Technology Conference - MarketWatch
To apply for you NetSpend Prepaid Visa Debit Card with Guarunteed approval, No credit
go to and click on products. You will receive your card in 7-10 business days. As an added bonus, once you load your card for the first time we will forward a $25 Restaurant.com gift certificate via e mail.
To apply for you NetSpend Prepaid Visa Debit Card with Guarunteed approval, No credit
go to and click on products. You will receive your card in 7-10 business days. As an added bonus, once you load your card for the first time we will forward a $25 Restaurant.com gift certificate via e mail.
M.J.F. Insurance Agency, Inc.: Know Your Stuff - Register your Assetts in Case of...
M.J.F. Insurance Agency, Inc.: Know Your Stuff - Register your Assetts in Case of...: "What happens after a fire? Did you filli out a 'Know Your Stuff' inventory? It can save you thousands. Knowyourstuff.org Published with B..."
Saturday, December 18, 2010
Omaha Boy Scout honored for life-saving CPR skills - KHGI-TV/KWNB-TV/KHGI-CA-Grand Island, Kearney, Hastings, Lincoln
Omaha Boy Scout honored for life-saving CPR skills - KHGI-TV/KWNB-TV/KHGI-CA-Grand Island, Kearney, Hastings, Lincoln
Get certified with our 100% online class. Fully accredited and valid nationwide! Pay after course is completed and card ready for immediate download!
http://mjfonlinecpr.webs.com/
Get certified with our 100% online class. Fully accredited and valid nationwide! Pay after course is completed and card ready for immediate download!
http://mjfonlinecpr.webs.com/
Thursday, December 16, 2010
Why Carrying The Minimum Required By Law May Not Be A Good Choice For You When It Comes To Underinsured / Uninsured Motorist Coverage
underinsured motorist coverage Definition
We always Recommend Having $100/300,000 in coverage. Do you know how much coverage you have on your auto policy? Chances are if your like most drivers you aren't sufficiently covored. Contact us for a quote today to fully protect you, your family and your car.
We always Recommend Having $100/300,000 in coverage. Do you know how much coverage you have on your auto policy? Chances are if your like most drivers you aren't sufficiently covored. Contact us for a quote today to fully protect you, your family and your car.
Tuesday, December 14, 2010
Kiss It Goodbye: CPR Loses Mouth-To-Mouth | WBUR
Kiss It Goodbye: CPR Loses Mouth-To-Mouth | WBUR Get Certified or Recertified Online for C.P.R. and more at www.mjfonlinecpr.webs.com
Workers Comp Kit Blog Workers
Workers Comp Kit Blog Workers
M.J.F. Has carriers to place your Workers Compensation. Contact us today via www.mjfinsuranceagency.com
M.J.F. Has carriers to place your Workers Compensation. Contact us today via www.mjfinsuranceagency.com
Sunday, December 12, 2010
Spousal Refusal
NYTimes: Full Wallets, but Using Health Program for Poor
Published with Blogger-droid v1.6.5
Saturday, December 11, 2010
Wednesday, December 8, 2010
M.J.F. Insurance Agency, Inc. Appointed in Florida
On December 8, 2010 M.J.F. Insurance Agency, Inc was appointed in the State of Florida. We look forward to bringing you further announcements in regards to new insurance programs that we can write in the state.
Tuesday, December 7, 2010
C.P.R. Training & Recerification- Pay Upon Completion of The Course
Tweet from Tweetcaster
Published with Blogger-droid v1.6.5
Monday, December 6, 2010
DeMarrais: Paying too much for home insurance? - NorthJersey.com
DeMarrais: Paying too much for home insurance? - NorthJersey.com
Let us provide you with a quote on your home. We offer Travelers Home Insurance in Ny and NJ
866-983-8726
Let us provide you with a quote on your home. We offer Travelers Home Insurance in Ny and NJ
866-983-8726
Enrollment picking up at trucking schools The Republican-American
Enrollment picking up at trucking schools The Republican-American
We can insure your trucking school, contact us today for a quote.
866-983-8726
We can insure your trucking school, contact us today for a quote.
866-983-8726
Sunday, December 5, 2010
Consumer 10.0: "Forced placement" insurance can send rates soaring | Philadelphia Inquirer | 12/05/2010
Consumer 10.0: "Forced placement" insurance can send rates soaring | Philadelphia Inquirer | 12/05/2010 Don't let the bank purchase forced insurance! Call us to insure your home if your policy cancels or lapses. The risks are too high! We write homeowners in NY,NJ,CT,FL,PA and SC www.mjfinsurance.com
Saturday, December 4, 2010
OSHA alleges violations in Galveston and Conroe | Business | Chron.com - Houston Chronicle
OSHA alleges violations in Galveston and Conroe | Business | Chron.com - Houston Chronicle
www.mjfinsuranceagency.com for your O.S.H.A. certification 100% online, no waiting for an instructor to come to your town.
www.mjfinsuranceagency.com for your O.S.H.A. certification 100% online, no waiting for an instructor to come to your town.
Finding a Sweet Deal on Classic Car Insurance - FoxBusiness.com
Finding a Sweet Deal on Classic Car Insurance - FoxBusiness.com
Click on the Hagerty Banner in the right column for your Hagerty quote. You can then call M.J.F. or bind your policy online. 866-983-8726
If your not on our blog you can go to
www.mjfinsuranceagency.com to quote your car
We write in NY,NJ,CT,FL,PA and SC
Click on the Hagerty Banner in the right column for your Hagerty quote. You can then call M.J.F. or bind your policy online. 866-983-8726
If your not on our blog you can go to
www.mjfinsuranceagency.com to quote your car
We write in NY,NJ,CT,FL,PA and SC
Lady Gaga's WikiLeak | Fast Company###
Lady Gaga's WikiLeak | Fast Company###
Is Your Business Covered for data breach. It can be very expensive if you have a lot of clients personal date jeapordized. Make sure your company is protected in case your system is hacked or are a victim of employee dishonesty.
Is Your Business Covered for data breach. It can be very expensive if you have a lot of clients personal date jeapordized. Make sure your company is protected in case your system is hacked or are a victim of employee dishonesty.
Friday, December 3, 2010
Commercial Insurance Policy Financing in N.Y. As Low as 9% A.P.R. on Most Risks
If you are financing a commercial insurance policy in New York State, you are probably paying too much interest. Contact us today and let us finance your commercial insurance policy, whether its a new policy or upon renewal. We can finance as low as 9% annually in most cases. All we need is a copy of the new or renewal premium and your decleration page. Your paperwork can be faxed to M.J.F. Insurance Agency at 866-456-7905 and request that the information is being provided for a finance agreement quote. Our phone number is
866-983-8726 for additional information.
866-983-8726 for additional information.
Thursday, December 2, 2010
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