Health Insurance

Seven Benefits of Life Insurance

Life insurance can serve as the foundation of your family’s financial security. According to the Life and Health Insurance Foundation for Education (LIFE), life insurance can:

  1. Buy time – Allows loved ones to focus on their grief by helping to pay for the funeral and other final expenses.
  2. Provide a fresh start – Lets loved ones start with a clean slate by helping to pay off credit card bills, outstanding loans and even the mortgage.
  3. Generate income – Helps replace lost income for years to come so that surviving family members can continue to pay for life’s necessities.
  4. Offer flexibility – Gives a surviving spouse the chance to take time off from work or to switch to a job that offers a more flexible work schedule.
  5. Create opportunities – Can provide funding to start a business, or pay for schooling so surviving family members can train for a new career.
  6. Fund the future – Offers a way to fund longer-range goals, like a college education for the kids or a secure retirement for a surviving spouse.
  7. Leave a legacy – Gives parents the chance to leave future generations with the legacy of long-term financial security. (Watch the related video, A Legacy of Love.)

For more information contact a Kimberley Vassal Insurance agent for a free Pennsylvania Life Insurance quote, http://www.kimberleyvassal.com.

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5 Foods to Help Boost your Brain Power

Did you know that March is National Nutrition Month? In celebration we wanted to provide a list of 5 foods that can help improve your overall thinking and memory. Health experts have determined that the foods below may boost your mind. It’s essential to keep your body in top condition to ensure your health, thus providing a long lasting life. However, sometimes things happen that we can’t control. In this case it’s so important to have Health Insurance; it can can protect ourselves and the ones we love in case of unforseen circumstances. For more information and a free Pennsylvania Life Insurance quote contact a Kimberley Vassal Insurance agent today! http://www.kimberleyvassal.com

  1. Blackberries: Blackberries can get the conversation flowing again. They provide potent antioxidants known as polyphenols that zap inflammation and encourage communication between neurons, improving our ability to soak up new information according to a 2009 Tufts University study.
  2. Coffee: A recent Finnish study of 1,400 longtime coffee drinkers reveals that people who sipped between three to five cups of coffee a day in their 40s and 50s reduced their odds of developing Alzheimer’s disease by 65 percent compared with those who downed fewer than two cups a day. Researchers believe that coffee’s caffeine and ample antioxidants are the keys to its protective affects.
  3. Apples: Apples are a leading source of quercetin, an antioxidant plant chemical that keeps your mental juices flowing by protecting your brain cells. According to researchers at Cornell University, quercetin defends your brain cells from free radical attacks which can damage the outer lining of delicate neurons and eventually lead to cognitive decline. To get the most quercetin bang for your buck, be sure to eat your apples with their skins on since that’s where you’ll find most of their quercetin.
  4. Chocolate: A 2009 Journal of Nutrition study found that eating as little as one-third of an ounce of chocolate a day (the size of about two Hersey’s kisses) helps protect against age-related memory loss. They credit polyphenols in cocoa with increasing blood flow to the brain.
  5. Salmon: Salmon is a top source of DHA, the predominant omega-3 fat in your brain, believed to protect against Alzheimer’s disease, an illness that affects over five million Americans.
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Tips to Avoid the Common Cold

The cold and harsh weather conditions have arrived as fall is coming to an end. For myself, I always seem to catch the common cold as the weather conditions change like this. The common cold is arguably the most common illness in humans. According to the U.S. Centers for Disease Control and Prevention (CDC), it is also one of the most common causes of work and school absenteeism. I wanted to share some tips which will help avoid the common cold this winter season coursety of medicinenet.com, for a free Pennsylvania Health Insurance quote visit our homepage today http://www.kimberleyvassal.com!

  • Wash your hands often: This is probably the single best measure to prevent transmission of colds. Especially after shopping, going to the gym, or spending time in public places, hand washing is critical. Frequent hand washing can destroy viruses that you have acquired from touching surfaces used by other people. You can also carry a small tube of hand sanitizer or sanitizing hand wipes when visiting public places. Teach your children the importance of hand washing too.
  • Avoid touching your face: especially the nose, mouth, and eye areas, if you are around someone with a cold or have been touching surfaces in a public area.
  • Don’t smoke: Cigarette smoke can irritate the airways and increase susceptibility to colds and other infections. Even exposure to passive smoke can make you (or your children) more vulnerable to colds.
  • Use disposable items if someone in your family is infected: Disposable cups can be thrown away after each use and prevent accidental spread of the virus from sharing of cups or glasses. This is particularly important if you have young children who may try to drink from others’ cups.
  • Keep household surfaces clean: Door knobs, drawer pulls, keyboards, light switches, telephones, remote controls, countertops, and sinks can all harbor viruses for hours after their use by an infected person. Wipe these surfaces frequently with soap and water or a disinfectant solution.
  • If your child has a cold, wash his or her toys as well when you are cleaning household surfaces and commonly-used items.
  • Use paper towels: in the kitchen and bathroom for hand washing. Germs can live for several hours on cloth towels. Alternatively, have separate towels for each family member and provide a clean one for guests.
  • Control stress. Studies have shown that people experiencing emotional stress have weakened immune systems and are more likely to catch a cold than their calmer counterparts.
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U.S. Postal Service may get slower
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The Obama administration‘s plan to rescue the U.S. Postal Service would allow the agency to end Saturday mail delivery and sell non-postal products, according to documents released on Monday. The plan, introduced alongside a deficit-reduction package, also would restructure a massive annual payment to prefund retiree health benefits and refund $6.9 billion the mail carrier says it overpaid into a federal retirement fund.

The White House says its plan would save the Postal Service more than $20 billion in the next few years. “The administration recognizes the enormous value of the U.S. Postal Service to the nation’s commerce and communications, as well as the urgent need for reform to ensure its future viability,” the White House document said. The Postal Service has watched its core business of delivering mail erode as consumers send email and pay bills online. The agency has said it needs to downsize drastically or it will be unable to deliver mail by the end of next summer. The Postal Service contends that weekend mail traffic is too light to support Saturday delivery. Who knows if this plan will actually happen but if it does it will definitely be a drastic change. For more information visit our homepage today http://www.kimberleyvassal.com

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Health insurers owe Fla. $3 million
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Private health insurers overstated how much they spent on patient care and oweFlorida health officials $3.1 million in refunds for a government children’s health care program, according to a recent federal report. Under a joint state-federal program called the StateChildren’s Health Insurance Program, Florida’s Agency for Health Care Administration pays private insurers to provide health insurance for families who aren’t eligible for Medicaid but can’t afford private insurance. Insurance companies are required to spend at least 85 percent on medical services. If an insurer spends less, it must refund 50 percent of the shortfall to the state.

But between 2003 and 2007, eight of roughly two dozen reports from private health insurers inaccurately reported how much was spent on patient costs and avoided paying state and federal health officials the difference, according to a report by the Department of Health and Human Services‘ inspector general. Florida health officials should have received $3.1 million in refunds during that time. The report recommends the state repay the federal government its share — $2 million — and increase oversight going forward. For more information on the health insurance issue check out the full article here.

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Proud Partner of KVIS: Movable Feast!

Take a look at the video we put together for a business client of ours Movable Feast.  Movable Feast is located in Wilmington, DE.  For more information contact a Kimberley Vassal Insurance agent today by visiting our website!  This video is just part of what Kimberley Vassal Insurance offers our commercial clients.  For more information about the social media marketing that we offer our clients contact us at (800) 511-9377. 

Obamacare: Subsidy Calculator

When you purchase Obamacare health insurance there is a promise of a taxpayer subsidy to make the health insurance affordable. The folks at Kaiser Family Foundation have provided this calculator to help in estimating your net cost, after subsidy, for health insurance. Click on the picture below to bring up the calculator. For more information and a free insurance quote visit our website today http://www.kimberleyvassal.com


Philadelphia Area: Heat Wave

AccuWeather.com reports a blazing heat wave will continue to grip portions of the Northeast through the end of the week. The heat will again challenge records, strain power grids and pose health hazards. The heat wave caused numerous record highs to be set on yesterday (Tuesday), and that will likely occur again today. Adding to the danger of the heat will be the presence of higher humidity. As a result temperatures will rise above actual temperatures therefore, people will become more susceptible to heat-related illnesses.

The heat is something everyone should take very seriously. Health issues like heat exhaustion or even heat stroke can appear when temperatures reach the 90’s or higher. Your best defense against the high temperatures is staying hydrated, which means drinking plenty of water. It is best to take it easy and try not to over-exhaust yourself while outside in the extreme heat. For more information visit our website at http://www.kimberleyvassal.com or contact us directly by phone at 800.511.9377.

Is Health Care Reform in Trouble?

New Health Care Report

The federal government released a new report on the cost of Obamacare and the results are troubling. Medical costs will skyrocket while Millions will be left without insurance. Also millions more may be dumped into the already overwhelmed Medicaid system.