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February 27, 2010  
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Insurance Advisors Terms


  > Dependent Property
This refers to a kind of business-interruption endorsement on a commercial policy that protects you from financial losses caused by problems somewhere other than your business. “Dependent property” is defined as property not owned, operated or controlled by you but on which you are dependent for normal business operations.
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  > Workers' compensation
Most employers are required by law to provide workers' compensation insurance through a state system operated by the Department of Labor & Industries. Worker comp pays an employee's medical expenses and provides some income replacement when a worker is injured on the job.
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  > Exclusive Provider Organization (EPO)
EPOs allow subscribers to visit any physician within the contracted network without prior approval or referrals. Services received outside the network may not be covered.
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   Get a Quote - Ohio Life Insurance Policy Advisor
Get a Life Insurance Quote

Protect your financial dependants! Ohio Life insurance can be a safety net to ensure a stable future for them if you should die. The other benefit of Ohio Life Insurance is that policy holders may draw against their policy when they need money for retirement, college for their children or if an unexpected job loss occurs.

Get a quote today and get the life insurance coverage you need! Contact one of our Ohio Life Insurance Advisors today.

Some types of Ohio Permanent Life Insurance include:
  • Ohio Whole Life Insurance
  • Ohio Universal Life Insurance
  • Ohio Variable Universal Life Insurance
Think about your spouse and children. You never know when a disaster may occur. Our life insurance advisors can help you determine which coverage is best for you based on your needs and what you can afford. Basically, there are two types of Ohio life insurance: Term Life and Permanent Life Insurance.

Ohio Term Life Insurance is simply a period of time that the policy holder chooses with a coverage end date. Secondly, Ohio Permanent Life Insurance covers you for a lifetime and offers many more variations. This type of policy is considered a cash value accumulation. Whichever choice you make, you need Ohio life insurance to protect the future of your family if you should die unexpectedly.

Get a quote today and get the life insurance coverage you need! Contact one of our Ohio Life Insurance Advisors today.

 

Contact our Ohio Insurance Advisors


If you live in the following cities and need an Insurance Advisor or to get a quote, you should contact our Ohio Insurance Advisors today:

  • Alliance
  • Ashtabula
  • Barberton
  • Beachwood
  • Bowling Green
  • Brunswick
  • Canton
  • Chillicothe
  • Cincinnati
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  • Delaware
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  • Kent
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  • Loveland
  • Marion
  • Mason
  • Massillon
  • Medina
  • Mentor
  • Middletown
  • Newark
  • Painesville
  • Reynoldsburg
  • Sandusky
  • Stow
  • Toledo
  • West Chester
  • Westerville
  • Wooster
  • Xenia
  • Youngstown
  • Zanesville
       
 
Did You Know?    
 
 
LLC envelope offers substantial advantages over other entities
There are at least five common circumstances when a tax regime other than an S corporation may be more appropriate: 1) the business cannot qualify as an S corporation; 2) the one-class-of-stock limitation for S corporations cannot accommodate certain business terms agreed to by the parties; 3) the business involves appreciating assets (i.e., assets that have, or are likely to have, a fair market value in excess of basis), such as real estate; 4) the business has considerable debt and the owners anticipate significant losses;15 and 5) the wage-reduction tax strategy explained previously will not benefit the owners because either the primary income of the business is excluded from self-employment tax16 or, in the case of newly formed companies, one or more employee-owners already receive aggregate wages or self-employment income from an existing business in an amount which approaches the taxable wage base limitation

 
 
Ohio External Sites    
 
 

Ohio Dept of Insurance - Ohio Insurance Links
The mission of the Ohio Association of Insurance and Financial Advisors is to improve the business environment, enhance the professional skills and p
Ohio Dept of Insurance - Conseco Insurance Entities Con
Insurance regulators in Ohio and in states where Conseco-related insurers are ... Qualified advisors can be reached toll free at 800-686-1526 or thro

 
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Latest News
  Latest Insurance related news in Ohio and nationwide: Mar 02, 2007 - COBRA Health Benefit Provisions
The landmark COBRA health benefit provisions became law in 1986. The law amends the Employee Retirement Income Security Ac
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Mar 02, 2007 - Make Sure Your Loved Ones Have Good Health Care
 ERISA Disclosure Provisions help to ensure that individuals covered by group health plans receive clear infor
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Mar 02, 2007 - Dwindling Insurance Pushing People To Financial Brink
People who had medical expenses as part of their credit-card balances had much higher credit-card debt than those who did
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