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Healthcare.gov Shares Personal Information With Marketing Companies


The "Obamacare" website, HealthCare.gov, has been sharing citizens' details with more than a dozen third parties, and a lot of the information can be used to identify individuals and their habits.


The report comes from the Associated Press, which alleges that Healthcare.gov shares data with prominent online advertisers. Researchers from the Electronic Frontier Foundation have independently confirmed this, and named 14 third-party advertisers that collect data, including Google, Twitter, Yahoo and YouTube.


Neither the Associated Press nor the Electronic Frontier Foundation has been able to confirm the full scope of the shared information, but it is known that it includes a user's age, state, zip code, income and whether he or she smokes, is a parent or is pregnant. The tracking seems to occur even when the user has a browser with "Do Not Track" turned on.


Since Healthcare.gov logs users' IP addresses as well, it's not only possible, but relatively easy, for any of these third parties to identify affected individuals and could send them targeted ads and marketing materials, or sell the personal information to even more companies.


The government assured the AP that although third parties have access to Healthcare.gov data, the companies are not allowed to use it for commercial purposes. Instead, they are supposed to work in tandem with Healthcare.gov to "measure the performance" of the website and create a more "intuitive experience."

 There is question as to how providing advertisers with data could directly benefit the Healthcare.gov interface.
 

To comment on this or any other insurance related topics, visit us at our Blog  or on Facebook.

 

 

 

A Tax Guideline For Group LTCi


MedAmerica has available a tax brochure for employers: Our “Highlights of a Tax-Qualified Program”

This brochure helps educate employers on the tax benefits and advantages of sponsoring an LTCi program for their employees. This brochure has been revised to include the federal tax deduction limits for LTCi premiums paid.

This self-mailer is now available for download from MedAmerica’s agent website at:

 www.MedAmericaLTC.com

To download, select your state, choose FlexCare®, click the “Download Materials” button, and select “Employer Groups.”

AMG also has a broad portfolio of individual LTC products for your non-group clients and will help you with both illustrations and marketing materials.

If you have not written LTCi and need more assistance, contact Steve Gresso at 713.977.0611 or steve@affiliatedmarketing.com  

 

Welcome To The SHE-CONOMY


 
Affiliated Marketing Group
 
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Suite 350
Stafford, Texas 77477
Phone 713.977.0611
 

 

We Offer A Full Portfolio Of Products And Services

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About one-third of married women bring home more income than their husbands.

Women hold more corner offices.

When it comes to finances, women and men both make decisions.

Plus, according to LIMRA, "Women tend to believe in the value of life insurance– more so than men: 70 percent compared to 62."

Based on a survey of over 6,500 mothers, Salary.com determined that the time mothers spend performing their typical duties would equate to an annual salary of $115,432 for a stay-at-home mom.

For mothers who are employed full-time, their after hours work at home would earn them an additional $63,472 on top of their full-time salary.

When it comes to life insurance, women as a group are underinsured.  Look through your files. Call a past client.   If your client only bought coverage for the husband, the family is only half protected. Explain that and your next sale could be that easy!

If you are interested in learning about how you can make this part of your sales process
contact Steve Gresso at 713.977.0611 or steve@affiliatedmarketing.com

 

 

 Everything You

 Need In One

 Place

   

 

EZ Life Sales

Our proprietary web based one page application that is the same for all carriers.

You can quote and submit our one page application in less than 15 minutes.

It is the easiest system available for writing  life insurance and best of all, you retain control of your case, have 24/7 status updates available and there is no reduction in commissions.

 

 

 

 

New Flexible Premium Deferred Indexed Annuity Series


American Equity is pleased to announce the addition of a new Flexible Premium Deferred Indexed Annuity Series. The new Choice Series offers competitive rates with an option of a 6, 8 or 10 year surrender charge schedule.

Choice Series

Minimum Initial Premium $10,000

Five Interest Crediting Methods Available

Annual Point to Point Cap range from 4.50-5.00%

Annual Point to Point Participation Rates range from 35-50%

Monthly Point to Point Cap range from 1.80-2.00%

Volatility Control Asset Fee/Spread range from 1.25-1.75%

Fixed Interest Rates range from 1.60-1.95%

Commission Option U Only - All commissions will be paid immediately following policy issue

These products are excluded from Incentives such as Gold Eagle, Convention and Fast Track.

Optional Lifetime Income Benefit Rider Available for Choice Series Only

The Lifetime Income Benefit Rider on the Choice Series is available for issue ages 50 and above and includes two options, both with gender neutral payout factors:

Lifetime Income Benefit Rider with 7.0% IAV Rate and 0.90% Rider Fee

Lifetime Income Benefit & Wellbeing Rider with 7.0% IAV Rate and 1.0% Rider Fee*

If no option is selected, a Lifetime Income Benefit Rider will not be attached to the contract.

Click Here for the Choice 6 Brochure

Click Here for the Choice 8 Brochure

Click Here for the Choice 10 Brochure

Click Here for the Choice Series LIBR Brochure

Please note: Effective February 27, 2015, all sales for the Integrity Gold (ICC12 IDX5) will be suspended. Please discard any brochures, disclosures and marketing material you have relating to this product. The decision to remove the Integrity Gold was made after carefully reviewing the sales level of this product. Please refer to the Choice 6 as an alternative product.

Product Training is REQUIRED before writing an annuity application

*Wellbeing Rider not available in these states: CT, DE, FL, HI, ID, IL, MN, MO, PA, WA

Annuity contract issued under Form ICC14 IDX8, ICC14 R-LIBR, and 14 R-LIBR-W and state variations thereof. Availability and benefits may vary by state.
 


 
Contact Steve Gresso at 713.977.0611 or click his name to email requests for information.

 

For Producer or Broker/Dealer Use Only. Not for public distribution nor intended to be used as financial or tax advice.