Get The Best Americas Doctor Disability Insurance

It is very important for doctors in America to have disability insurance. Unlike many other professions they work in an area of high risk. No doubt they are well trained educated and are working 40 hours a week, most of the time on their feet.

They need insurance to take care of any eventuality in their life wherethey fall ill and have to take rest. It is become extremely difficult for physicians to get disability cover in their own specialty. There is work being done at Doctor’s Disability Shop so that doctors can avail of a discount to get disability insurance for their ‘own specialty’

How Does Own Specialty Insurance Work?

Doctors are given the opportunity to choose their ‘own specialty’ disability insurance plan that is ideal for them. Once the doctor has decided on the plan, it is easy to apply since it is done electronically and does not require any paper work.

Disability Pro protects your income so you can provide for your family when you are faced with a disability. All that the physician needs to do is get the right amount of coverage. Disability Pro helps you to meet your financial needs when you are disabled and cannot take care of your patients. You can get remuneration which is equivalent to your own specialty.

Physician disability insurance covers the physician in his own specialty. The insurance stays with the physician even though he changes his employer. He can get up to $15,000 in monthly benefits. If it is catastrophic disability the doctor can get nursing at home and health care. All physicians get 15% reduction while AMA members get 35% reduction.

Physician’s Disability Insurance Policies

There are different types of disability insurance policies that physicians can avail of. They are Mass Mutual, MetLife, Berkshire Life (Guardian), Principal, and Union Central Life. Many of the provisions are same in each of the companies. But there are a few differences which may help to choose the particular insurance company.

It is very important to classify the medical specialty to determine the premium rate. The higher the occupational classification assigned to the medical profession the lower is the premium rate. Different companies may assign a different class of occupation to the profession which might change the rate of premium. The financial planners or the agents are in a better position to advise the best insurance company to insure as per the medical specialty.

The Best Physician Disability Insurance

Like all professions doctors also take precautions to see that health and life insurance are taken care of in their life and try to invest wisely for a good retired life. But many times they do not take into account a disability or injury.

The chances of a disability and injury are quite high and at such times it is difficult for social security, worker’s compensation, insurance and savings to meet all the bills. Disability insurance is a necessity. You have to know what the coverage that the disability insurance provides and the policy that is not taxable. The agents are the best people to guide you in taking the right policy.

So, if you are a physician who wants to take disability insurance contact the agents to find out the best policy for you.

Essential Characteristics Of Term Insurance Plans

Take a look at the essential characteristics of the term insurance plans and you will know why it is beneficial for you.

Characteristics of term insurance

Here are the essential characteristics of term insurance plans:

1.Inexpensive: One of the main characteristics of term insurance is the affordability factor. A term plan is less expensive than a traditional endowment plan. This is mainly because term doesn’t usually offer a return on the premiums that you pay. There is only a life cover that is paid to the nominees upon the policyholder’s death. If you outlive the policy period, you will not get anything in return. This is a practical contract and allows you to buy life insurance at an affordable rate.

2.Simplest: Term insurance is one of the simplest form of life insurance. It is very easy to understand and is the most flexible type of life insurance plans. You simply have to pay the premiums regularly in order to get covered for the tenure you opted for.

3.Quick and convenient: Term plans are easily available online. This makes it very easy to own a term plan. You can simply log on, run a quick comparison of the available plans and make a purchase on the spot. To encourage people to buy term insurance, most insurers have relaxed the norms related to documentation, eligibility and other requirements that previously made term insurance difficult to obtain.

4.Flexible premium paying options: You can opt to pay your term insurance premium in many ways. You can pay it up front in one go or you may pay it over the duration of the policy. You have the options of paying annual, semi-annual, quarterly and monthly premiums on your term insurance plans. This flexibility offered is another wonderful characteristic of term life insurance.

5.Flexible pay out options: The objective of any life insurance plan is to provide financial stability to the surviving family members of a deceased policyholder. You therefore would want your nominees to use the death benefit in the best possible way. Keeping this in mind, you can choose either a staggering pay out or a lump sum pay out for your nominees. The lump sum option would pay the entire sum assured in one go. The staggered pay out would divide the death benefit in parts and work as monthly pay outs. This would work as your income replacement and help your family cope with the financial loss.

6.Riders: You can add riders at an extra cost to your term insurance plan and customise it for yourself. Riders are add-on benefits that offer added protection. And since the insurance needs vary from person to person, you can buy a rider along with your term plan to cater to your insurance requirements more closely. This is another characteristic that makes a term insurance plan useful.

7.Tax benefit: Term insurance offers d tax benefits too. The premium you pay on your term plan is tax exempted and you stand to get a tax benefit of up to Rs. 1.5 lakh. The proceeds from a term insurance plan are also tax free, making it a wonderful tax-saving tool.

A Review Of The Paypal Payment Processor

PayPal, owned by eBay, is one of the oldest online payment solutions. While anyone can get an account for free, it also includes merchant accounts to give you the ability to process payments online. Services are available to customers in well over 100 countries, making it the ideal solution for those with a global business.

Merchant Services

PayPal’s merchant services include the following:

Website Payments Standard: This simple solution includes easy HTML you can install on your website. Choose a buy now, add to cart, donate, or buy gift certificate button. It is already integrated into all third-party shopping cart systems, or you can get a shopping cart directly from the site if you don’t have one. Their Virtual Terminal feature allows you to accept payments via phone, fax, mail or in-person. Also supports recurring or subscription payments. This option also allows you to automatically calculate sales tax and shipping, as well as print out postage. When you’re done for the month, download your data to your accounting software such as Quick Books.

Website Payments Pro: All the features of standard, plus a built in shipping center to allow you to print packing slips, Express Checkout for those who already have a PayPal account, risk protection, and more.

Email Payments: You don’t even need a website to use this feature. Send an email payment request to anyone with an email address in 190 countries and they can pay you directly through email. You can generate QuickBooks or Outlook invoices to send to your client. Fast processing and includes the shipping center feature as well as many others.

Payflow Gateway: There are two versions to this option. With the Pro option you can let customers make payments without ever leaving your site. Powerful reports and management tools included with PayPal manager. You must have a merchant account to use this option.

Express Checkout: This can be used with other options. Basically, if a customer already has an account with PayPal, they can check out quickly and easily. Customer’s without one can sign up or use another payment option.

International Sales: This is not a service per se, but an area of the site to help you learn more about selling internationally.

Keep in mind though, that PayPal does not allow you to sell leads, it is against their terms of service. Also, PayPal has been known to shut down accounts selling business and multi-level programs without warning, and as a rule release the funds 6 months or later.

How to Sign Up

To open a Premier or Business account with PayPal is easy. Simply go to the website and enter your information. Opening an account and withdrawing money into a US bank account is free. Adding funds if you want to shop are also free. For all other transactions, the fee is 1.9% to 2.9% plus $0.30 per transaction. Transactions can be from a PayPal Balance, Instant Transfer, eCheck, Credit Card, Debit Card, or Buyer Credit.

You will need to call about opening a merchant account. Some of the services, such as Virtual Terminal and Website Payments Pro, have monthly fees depending on the package you are using. Payflow Gateway has a one-time set up and a monthly fee.

If you are looking for a global solution that will allow your company to reach almost 200 countries, look no further.