Open enrollment is over for most School Districts. TRS Active Care Health Insurance had a Premium increase in excess of 30% in Active Care 2. A number of Employees opted for the Active Care 1 plan coupled with an HSA in order to lower and control premiums.
MetLife Term Life insurance rates are very good group insurance rates. Texas Life has very good price for Permanent Life Insurance. Term and Permanent they go together, just like milk and cookies. These plans are an excellent complement and supplement to the other. If you do not own some individual life insurance you should consider purchasing individual plans that you own. You can buy life insurance through an independent or captive agent. Some employers have optional Permanent – Portable Life insurance that you can purchase at work but yet own the policy.
Term and Permanent Life insurance can go together just like Salt & Pepper. Consider combining your optional Term coverage at work through MetLife, Cigna or another top carrier, with ownership of some Permanent Life Insurance too.