A Fabulous Saturday Afternoon-Shopping For Insurance

Of all the things that I want to be doing on a fine Saturday afternoon, shopping around for insurance is at the top of the list. I mean really, what women wouldn't rather do that than shop for some silly old shoes. Shoes are nice and you do need to get around in them, but insurance is so much more life expanding. Who needs peep toes and shiny heels for entertainment when I can plan out how my family will be so fat and happy after I am gone, and also look at all the different plans for doctor visits and health care. So, OK-they won't be happy but they will have the cash flow to get as fat as they want so I don't have to worry about them going hungry.

I looked over so much stuff at so many different websites that I started hallucinating that I was at a fabulous work related seminar. I now know how permanent life insurance works and that I can use it to save for when I'm old and gray. There is always the awesome option of using the less expensive term life and putting the money that I save away myself. It is a tough debate that reminds me whether or not I can honestly wear my shiny red pumps with that cute brown wrap skirt that I just found.

Next I am off to the life altering possibilities of medical insurance coverage. I have to decide now, which is more crucial to my crew. The easy accessibility of a regular practitioner or will I be annoyed by the need to get approval for a referral before I go see any specialists. I don't need one now but, what if I do? What if they do? Now I don't know what to do. So, I go will some well honed instinct and try to sniff out some bargains. The thrill of the hunt begins.

Bargains in insurance will almost always mean less benefits. The idea I am wrestling with now has to do with what will fit my family better. If I pick the plan with a high deductible I can get qualified for a health savings account. That will save money on taxes and it will keep safe and grow with interest until I hit retirement age. But If I want my time with the doctor covered immediately it will cost a high monthly premium.

Insurance shopping wins the prize for a many faceted complicated product. I am now convinced more than ever that my next step will be contacting an agent in my area and grill them on what I need to know. I have enjoyed my cozy couch time with my laptop and now feel the need to jump up and get out before all my favorite stores close. Look out shoes, here I come!