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	<title>HIQS Group</title>
	<link>http://hiqsgroup.com</link>
	<description>Heath Insurance Quote Service Group</description>
	<lastBuildDate>Mon, 27 Feb 2012 21:59:42 +0000</lastBuildDate>
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		<title>Grandfathered Plans</title>
		<description><![CDATA[Individual health insurance policies effective prior to March 23, 2010 are defined as “grandfathered” in status. Members can remain on these plans indefinitely, however making changes to them can require migrating to a health care compliant plan. There are those who argue this is a good thing, as the compliant plans provide “more” coverage than [...]]]></description>
		<link>http://hiqsgroup.com/grandfathered-plans/</link>
			</item>
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		<title>C-Corporations &amp; LTC insurance – A Perfect Marriage</title>
		<description><![CDATA[Portions of Long Term Care premiums are tax deductible for individuals and businesses based upon age. However, for C-Corporations 100% of LTC premiums are tax deductible. This provides a unique strategy to reduce gross income, and provide a permanent benefit to company employees and/or their family members. Here is a following case study: Our office [...]]]></description>
		<link>http://hiqsgroup.com/c-corporations-ltc-insurance-a-perfect-marriage/</link>
			</item>
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		<title>Group term life &#8211; Is it a good deal?</title>
		<description><![CDATA[Many people have access to life insurance through an employer or association, such as the AMA, American Dental Association, teachers association or local Union. When these plans are compared to commercially available individual term life insurance plans they often appear to be less expensive. These plans typically still require you to be in good health [...]]]></description>
		<link>http://hiqsgroup.com/group-term-life-is-it-a-good-deal/</link>
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		<title>CT sponsored health plans increase</title>
		<description><![CDATA[Connecticut Husky insurance plan is going from $250 to $448 per month, and Charter Oak is going from $307 to $456 per month. Our office has found market solutions for healthy enrollents on these plans. We have lowered premium, and provided our clients with nationwide coverage. Aetna has implemented a decrease in premium for Sept [...]]]></description>
		<link>http://hiqsgroup.com/ct-sponsored-health-plans-increase/</link>
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		<title>Buy/Sell &#8211; Key Man &#8220;Vanilla&#8221; Case Study</title>
		<description><![CDATA[Buy-Sell Case Study: Vanilla Inc Andy and Ben are partners in a company called Vanilla Inc. Both men are married 30-year-olds in excellent health. They are not currently planning to sell the business so the question of the current “value” of the business is not one they have fully addressed. Each partner makes $100,000 yearly. [...]]]></description>
		<link>http://hiqsgroup.com/buysell-key-man-vanilla-case-study/</link>
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		<title>Long Term Care – 3 Viable Options</title>
		<description><![CDATA[Few people like to think about the possibility of the need for long term care coverage. Most think in terms of “nursing home” insurance, when in fact it is important to be educated on what types of long term care insurances are available, and how they differ in payout dispersal when claims are triggered. All [...]]]></description>
		<link>http://hiqsgroup.com/long-term-care-%e2%80%93-3-viable-options/</link>
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		<title>Catastrophic Disability &#8211;  Small Cost, Big Benefit</title>
		<description><![CDATA[Providing sufficient disability insurance for self-employed people can be challenging. This is especially true of the blue collar professionals who are in industries that are considered high risk to insurers. We assist many clients who fit this category, and find that the traditional disability market does not adequately service them. This is true throughout the [...]]]></description>
		<link>http://hiqsgroup.com/catastrophic-disability-small-cost-big-benefit/</link>
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		<title>Life Insurance Reviews</title>
		<description><![CDATA[Running an in-force illustration of your current life insurance is a great way for your advisor- current or otherwise &#8211; to make sure that the policy is accomplishing the goals you wish to achieve. Life circumstances change; expanding family, marriage, divorce, are key events that mandate examining current coverage. As your needs change, guaranteed renewability [...]]]></description>
		<link>http://hiqsgroup.com/life-insurance-reviews/</link>
			</item>
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		<title>Cash back health insurance in Connecticut</title>
		<description><![CDATA[Successfully placing benefit plans for businesses and individuals comes down to forging solid relationships built around trust. It helps also to have a unique product or offering that your competition does not offer. One product that fits this description is with a plan design offered by Trustmark. All premiums collected by insurance carriers get divided [...]]]></description>
		<link>http://hiqsgroup.com/cash-back-health-insurance-in-connecticut/</link>
			</item>
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		<title>Shopping for Individual Health Insurance Online</title>
		<description><![CDATA[So you wake up this morning and decide, today is the day that I am going to find a really good health insurance plan.  Where to start?  While the internet has been a boon to consumerism, and assisted millions of people in finding just about anything from cars to paper clips with just a click, [...]]]></description>
		<link>http://hiqsgroup.com/shopping-for-individual-health-insurance-online/</link>
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