MAY 2012
  When did you last review your health  & life insurance?

Barbara headshot

Solid Health Insurance Services 

Health, Life & Trust 
Barbara G.Schmalz 

Solid Health Insurance Logo  

310-909-6135

Greetings!
 Did you ever think the day would come when you would receive money back from your health insurance carrier?  By August, insurance companies will be required to issue consumer rebates if they were not in compliance with the Medical Loss Ratio (MLR)  part of the Affordable Care Act (ACA)  in 2011. Insurers offering health plans to individuals and small businesses must spend at least 80 percent of their premium income on health care claims and quality improvement activities; the other 20 percent or less can be used on administrative expenses such as marketing, products, earned profits for investors and commissions for agents. The MLR is higher for larger groups (85:15 percent).  
Health insurance pay back

  

 Read more details on my blog   
In This Issue
One Reason to buy Life Insrurancece
Looking for affordable health insurance?  Find a quote by using the :   
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Cigna

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 Is your U.S. Based Property at Risk, how life insurance can help ?

If you own real estate in the United States ( U.S. ) and are not a U.S. citizen , your
property may be exposed to U.S. federal estates tax upon your death. Under U.S. federal law, non-U.S. citizens residing permanently outside of the U.S. may be subject to estate taxes on U.S based real estate, depending on the manner in which title to this property is held. If this tax applies, and your family does not have cash to pay this liability within nine months of death, they may be forced to sell your property in order to generate the cash to pay the tax bill. In other words, instead of receiving the entire value of your U.S. based property , your loved ones will receive only a fraction. A life insurance, which for non-US. residents does not count in the estate, can overcome this hardship. The Life insurance

* provides, immediate cash necessary to pay these taxes.tax season

* keep your hard-earned property in the family  

* ensure your family will receive the entire value of your estate

* enjoy US income tax-deferred growth of policy cash values.

 

  Let me assist you to find affordable life insurance for your family . Call me at 310-909-6135 or sent me an email at info@solidhealthinsurance.com  

What are you doing Memorial Weekend ?
Health insurance pay back
What are you do Memorial Weekend ?

Come join my team on Monday May 28th, at 9:00 am to walk  5 km around the West LA Veterans Affairs campus  to support  our troops and veterans.
Burn calories and do something good for your country a win-win situation .

click here to join my team  
 
Wishing all the mothers in your life a wonderful Mother's Day, enjoy this wonderful day in the heart of your family . 

                 Mother's Day   

Remember... love, laughter and good times are the best medicine for you.
Kindly,  
Barbara G. Schmalz
Solid Insurance Services                                                     310-909-6135 
  .
Referral
Fee 
 

Referrals are my life line!
A gift certificate of $ 15.00 for the company of your choice will be awarded for any referred closed insurance deal. 
Looking for a great real estate broker? Keller Williams
Did you know that my husband is a real estate broker associated with Keller Williams?
Do you know of anyone who wants to move? Are you tired of paying rent?  Problems with refinancing?
Do you want to change your career into Real Estate?
Contact  bob_schmalz@wlaregroup.com