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100 Top National Insurance Companies Serving Employee Group Benefit Brokers

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Although this data is not 100% accurate, it is probably the most precise info available. Employee group benefit brokers need to know where to find the plans to fit their client needs. It is a well established fact that employers cannot handle the entire burden of providing a grocery list of benefits that their workers would like to have. As a result brokers are working with both the employee and his workforce. The worker is being given options of having additional coverages available with the convenience of premiums taken right from their paycheck. This is a win-win-win situation for the employer, the worker, and the agent.

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How is 100 Top National Insurance Companies Serving Employee Group Benefit Brokers

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Here you will find the top national insurance companies in this market, along with others marketing in most states. For brokers selling products with only one insurance company, it seems impractical and virtually impossible. I carry around a Swiss army knife, which although useful, often is incapable of performing the job correctly. Therefore, in my experience, I have found most agents selling plans more than occasionally, represent more than one insurance company. Like the Swiss army knife, no one insurance company can serve all situations. According to my records, the average broker involved in frequent sales represents 3 national insurance companies for this employee market.

For your convenience, there are two lists prepared alphabetically. The first are the carriers licensed to sell their employee benefit plans in all 50 states. The second listing is of states selling in a minimum of at least 40 states. All should have websites to receive fast additional information. With 100 top national insurance companies listed, maybe it is time to check out a couple more.

TOP NATIONAL INSURANCE COMPANIES & Carriers Licensed in all 50 states

1. ACI Specialty Benefits

2. Advantica Eyecare

3. AFLAC

4. AIG Employee Benefit Solutions

5. Allstate Workplace Division

6. American Sentinel Insurance Company

7. Ameritas Group

8. Assurant Employee Benefits

9. Avesis

10. BCS Insurance Company

11. Beta Health Association, Inc.

12. Boston Mutual Life Insurance Company

13. CIGNA

14. Combined Insurance Worksite Solutions

15. CCG- Cost Containment Group

16. Davis Vision

17. Delta Dental

18. Dentali Dental and Vision

19. Dental Select

20. EyeMed Vision Care

21. EZ Meds USA

22. GPM Life

23. Great American Insurance of NY

24. Great American Supplemental Benefits Group of TX

25. Guardian Life Insurance Company

26. Hartford Life

27. HM Insurance Group

28. Humana

29. Independent Health

30. ING Employee Benefits

31. Liberty Mutual Group Benefits

32. Lincoln Financial Group

33. Madison Life Insurance Company

34. Magnum Dental & Vision

35. Majestic Underwriters

36. MedAmerica Insurance Company

37. Medico Insurance Company

38. MESVision

39. Metropolitan Life Insurance Company

40. Minnesota Life Insurance Company

41. Mutual of Omaha Insurance Company

42. Nationwide Financial

43. Patriot Health, Inc.

44. Petersen International Underwriters

45. PPO USA

46. Principal Financial Group

47. Prudential Company of America

48. Reliance Standard Life Insurance Company

49. SecureCare Dental

50. Security Life Insurance Company of America

51. Security Mutual Life Insurance Company of NY

52. Spirit Dental Life and Vision

53. Standard Insurance Company

54. Standard Life Insurance Company of NY

55. Sun Life Financial

56. Super Vision Services

57. Symetra Financial

58. Transamerica Affinity Services in MD

59. Transamerica Worksite Marketing

60. Trustmark Voluntary Benefits Solutions

61. UNIFI Companies Retirement Plans

62. United American Insurance Company

63. United Concordia Companies

64. United Health Programs of America

65. Unum

66. VSP Vision Care

TOP MULTI-STATE INSURANCE COMPANIES Licensed in 40 or more states.

1. American Fidelity Assurance Company, minus NY

2. American Public Life Insurance Company, -NY

3. American United Life Insurance Company, -NY

4. ArmadaCare, -7 states

5. Assurity Life Insurance Company, -NY

6. BasicPlus Insurance Services, -10 states

7. Block Vision, -9 states

8. Brokers National Assurance Company, -6 states

9. Colonial Life, -2 states

10. Colorado Bankers Life Insurance Company, -2 states

11. Companion Life Insurance Company, -4 states

12. Conseco Insurance Companies, - 2 states

13. Continental American Insurance Company, -NY

14. Dominion Dental Services, Inc., -4 states

15. EMC National Life Company, - 2 states

16. First Dearborn Life Insurance Company, -NY

17. HealthPartners, -2 states

18. Illinois Mutual, -4 states

19. John Hancock, -2 states

20. Kansas City Life Group, -2 states

21. Minnesota Life Insurance Company, -2 states

22. Mutual Trust Financial Group, -2 states

23. Ohio National Financial Services, -3 states

24. Oxford Life Insurance Company, - 5 states

25. Penn Treaty Network America, -7 states

26. Renaissance Life and Health Insurance Company, -NY

27. Securian Dental Plans, -6 states

28. Significa Insurance Group, Inc., -5 states

29. Standard Life and Accident Insurance Company, -5 states

30. Starmark, -10 states

31. Texas Life Insurance Company, -NY

32. Transamerica Life Insurance Company, -5 states

33. Trustmark Life Insurance Company, -9 states

34. Western Reserve Life, -NY

Other insurer organizations and insurance companies

These cover most of the United States. They are American Continental Insurance Company, American Specialty Health Insurance Company, Best Life, Catholic Family Life, Columbian Mutual Life, Continental American Insurance, Eastern Life & Health Insurance Company, Equitable Life & Casualty, Guaranty Income Life Insurance Company, Kemper Investors, Pro Financial Services, and William Penn Association.

Shenandoah Life Insurance Company is not listed, as it is undergoing some difficulties. Apologies are in order to any companies catering to this market segment that were missed.

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Why Lebron Left

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It's a done deal: Lebron has left Cleveland. Now why, as a physician, would I even mention this?

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How is Why Lebron Left

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Turns out, Lebron is from my hometown. My daughter knows where he lives - everyone does. I was talking to a doctor friend of mine recently who said people stop him when he rides his bike to ask for directions to Lebron's house (which he gladly gives). They live over in the rich section of town, a beautiful area, much nicer than Miami.

I respect Lebron. I respect his talent. I respect that in his post-game interviews he has given freely of his time, and I've never heard him bad-mouth anyone. He's the same age as my son, graduated from high school the same year, and has certainly chosen to deal with stressors that most 'kids' his age never have to address. I know his life is not perfect, and that he continues to face challenges common to all of us.

But back to the question, why did Lebron leave? I heard him say on multiple occasions that he wanted to win championships, and I believe him. Maybe he could do this in Cleveland, maybe not. I can see that it would be frustrating to be recognized as the best player in basketball, yet not win the highest prize. Are you really the best if your team is not? I understand that he wants to push himself to the limit, to grab the golden ticket. Winning is very important in America, especially for men, especially for those raised in a disadvantaged home.

But Lebron's hometown cared if he stayed. And his hometown is Akron, not Cleveland. In fact, our pastor mentioned some billboards I hadn't seen, urging Lebron to stay. The billboards consisted of single words: Family. Mission. Home. People wanted him to stay because they wanted him to affirm the value of his friends, his people, his family. From the community's point of view, we wanted our 'hero' to remain our hero and friend. It always hurts when someone leaves the nest. It always makes those left behind feel as if we're somehow unworthy.

I'm not really a sports fan (ever since my own kids graduated from high school sports). But I wanted Lebron to stay. The people in Akron, in Cleveland, in Ohio would have loved him forever. When parents desert their offspring, children always suffer. When heroes desert their followers, they feel rejected, unloved, unimportant.

But when I look at other men his age, my own son included, they're rarely at the point in their lives when they understand this. Sure, they understand intellectually. They understand very well when someone abandons them. But they don't yet see it clearly when the shoe is on the other foot. For them, proving themselves is supreme, probably biologic. Manhood is defined by achievement, not loyalty.

And dare I say it? It's just a game. Maybe Lebron comprehends this better than we do.

So I understand why Lebron left, and hope he reaches his dream. It's wonderful to rejoice with someone who achieves his fondest hope. There's nothing wrong with trying to win - nothing wrong except, perhaps, for the message it sends. But he's not yet old enough to move beyond winning.

Will he be back? I don't know. But already he's given to our community. I think he recognizes that his many blessings confer on him the responsibility to give back. Let's send him off with a hero's farewell. Let's wish him the best and make him glad to come home. Let's send him the message that we love him anyway, whether he plays basketball in Cleveland or not. He is, after all, our family and friend.

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Insurance Companies Listings and Ratings Guide For Insurance Agents & Brokers

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Here is the newest, revised version of the best insurance companies listings. These are compiled in a top 100 ratings guide format. The listings are in alphabetical order helping insurance agents & brokers locate an insurer. Find out how your opinion compares. How can you possibly rate an insurance company? I will mention briefly the various ways, show you the method I is used for this article, and why.

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How is Insurance Companies Listings and Ratings Guide For Insurance Agents & Brokers

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BY NUMBER OF AGENTS

This ratings guide listing method evaluates the insurer by the sheer number of insurance agents & brokers currently licensed and under contract. with carrier. I feel this evaluation to be worthless for a multitude of reasons. First of all there are a number of career health and life insurance agencies that have thousands of representatives. However, of these,up to 80% of the total agents are relatively new in attempting to establish credibility in the industry. Four years down the line only 6% of many an insurance company agency force will maintain enough production to stay career representatives.

Moreover, my findings uncover inaccuracy of this method due to licensing renewal process state insurance departments impose on the insurer. Most state departments of insurance send the renewal report forms on a yearly basis. There is a fee to be paid by each ins agent renewed. What makes it difficult is the variation of different paperwork procedures by individual states for removing non-active ins reps. The paperwork consists of costly, time consuming forms and procedures for the insurance company to make any changes. Renewing all the sales representatives is often cheaper, and thus the route the insurer frequently takes. This also gives the insurance company bragging rights to how many sales people write for them.

Personally I was shown in state insurance department records as licensed for 11 years after I wrote my last case.

INSURANCE CO FINANCIAL RANKING LISTINGS
There are four or five top independent firms that employ this insurer rating of a company based on a multitude of financial factors. A lot has to do with projecting the financial stability of the insurer. This is accomplished by closely dissecting past and present financial history. It covers how the insurer investments perform, and the rate of return. An insurance evaluation also takes in consideration the amount of cash on hand, and how much exists in reserves to pay present and future claims.

There is a consensus among life insurance association members into believing that the highest rated insurers are the best of the bunch. Yet association members make up less than 12% of the total producer base. The other insurance agents and brokers, (the majority), do not agree that these are always the best ones to use for their client's needs. Logic tells you that a newer quality insurer does not have past history to start out top ranked. In my situation, clients bought what I presented them. Nearly half the time it was NOT the highest rated company by the rating firms. I however sold the client what their emotional needs demanded. Many past insurance companies with rankings in the best 100 later financially failed, and still frequently do in today's world.

BY RANKING OF PREMIUMS COLLECTED

This is a very common type of insurance company listing & ranking to produce. Insurance companies are rated by total number of premiums they collected that year. It seems rather unfair to mix annuity premiums in with all dollars collected. Producers know it is easier to sell a ,000 annuity than a ,000 premium term insurance policy. The other fault I find with using total premiums collected is with who actually contributed a chunk of the premiums collected. With some companies an enormous amount of these premiums were not collected by the average sales person. A lot of institutional buyers directly bought hundreds of thousands of dollars of annuity premiums.

BY RATINGS IMPORTANT TO HEALTH & LIFE SELLERS

This is my way. As fair and balanced from an sales representative perspective as feasible. Premiums are collected from the 1,500,000 agents, trying to make a living by selling insurance policies in this industry. Often these sales are done one by one. Plus, of this 450,00 independent brokers, semi-independent agents and some career reps write, depending on which company, 50% to 100% of that insurance co business.

This rankings method is imposed because I find the insurance companies listing is intended to be a beneficial directory. One that independent brokers, semi-independent representatives, along with some career reps can turn to. This is a guide directory to other insurers that you may consider writing production for.

The insurance companies listing and ratings guide to the top 100 is purposely placed in alphabetical order instead of by premium or financial data. You may not agree completely with the listing, because we have left in some companies with a strong percentage of business sold in annuities, and investment products.

In the eyes of a typical health and life broker, this guide is of health and life insurance companies is about as accurate as possible.

1. Aetna 2. AIG Life Insurance Company** 3. Allianz Life Insurance Company of North America 4. American Family Life Assurance Co of Columbus 5. American Fidelity Assurance Company 6. American General Life and Accident INS Co** 7. American General Life Insurance Co** 8. American Income 9. American Memorial 10. American National Life 11. Americo Financial Life And Annuity 12. Anthem Blue Cross 13 Aurora National Assurance 14 Aviva Life and Annuity Company 15. AXA Equitable 16.Bankers Life and Casualty Company 17. Banner 18. Beneficial Life 19. C.M. Life Ins 20. Colonial Life & Accident 21. Columbus Life 22. Conseco Life 23. Farmers New World 24. First-Penn Pacific 25.Forethought 26. General American 27. Genworth 28. Gerber 29. Great American 30. Great-West Life & Annuity 31. Guardian 32. Hartford Life and Accident Ins Company 33. Hartford 34. Homesteaders 35. Indianapolis Life 36. ING 37. Jackson National 38. John Hancock 39. John Hancock Life Insurance Company USA 40.. Kansas City Life 41.. Lafayette 42.. Liberty Life Assurance Co of Boston 43.. Liberty National 44.. Life Ins Company of North America 45. Life Ins Company of the Southwest 46. Life Investors Ins Co of America 47. Lincoln Benefit 48. Lincoln Heritage 49. Lincoln National 50. Massachusetts Mutual 51. Metropolitan 52. Midland National 53. Minnesota Life 54. Monumental Life 55. MONY - America 56. MONY - New York 57. National Guardian 58. National Life 59. New England Life 60. New York Life Ins and Annuity Corporation 61. New York Life 62. North American Co for Life & Health Ins. 63. Northwestern Mutual 64. Ohio National Life 65. OM Financial 66. Pacific Life 67. Penn Mutual 68. Phoenix Life Ins 69. Primerica 70. Principal 71. Protective 72. Provident Life and Accident 73. Pruco 74. Prudential - America 75. Reassure America 76. Reliance Standard 77. ReliaStar 78. Riversource 79. Security Life of Denver y 80. Standard 81. Stonebridge 82. Sun Life and Health 83. Sunset 84. Surety 85. Symetra 86. Transamerica 87. Transamerica Occidental 88. Trustmark 89. U.S. Financial 90. Union Central 91. Union Security 92. United Healthcare 93. United Ins Company of America 94. United Investors 95. United of Omaha 96. United States Life 97. Unum 98. West Coast 99. Western and Southern Life 100. Western Reserve Life Assurance Co of Ohio Note: Sagicor Life, Foresters, and Illinois Mutual should appear on the bottom 3 listings, replacing the companies listed above as #6, 2, and 7.

**AIG Life Insurance Company, American General Life, American General Life and Casualty Comments

This group of companies USED to be one the highest premium generating, and highest ranked insurance companies in the United States. Still, after two massive Federal Bailouts, the future is uncertain. Therefore, AIG Life is no longer deserving of being on this top 100 list guide.

GUIDE TO QUESTIONABLE LIFE INSURANCE COMPANY LISTINGS

The following insurance companies listings often could be included in different types of some top 100 Life ins company rankings IF you were evaluating premiums written. Sometimes the premiums consist of considerable amounts of annuity premiums. Also counted in would be insurers where a large portion of sales do not come from representatives and sales people. Instead it is written by security stock brokerage firms, and independent broker-dealers of variable investment contracts not governed by insurance departments. In other cases, products may be directly strictly toward teachers, the military, or credit unions. In a couple cases, there are companies with pending litigation. A representation of this mix of insurers is listed below:

1. Cuna Mutual 2. Genworth Life and Annuity 3. Harford Life and Annuity y 4. John Hancock Variable Life 5. Mayflower National 6. Metlife - Connecticut 7. Metlife Investors USA 8. MML Bay State 9. Nationwide 10. Nationwide Life & Annuity 11. NYLife of AZ 12. PHL Variable 13. Sun Life Assurance Co of Canada 14. Teachers Ins and Annuity Assoc of America 15. USAA 16. Shenandoah -- financial difficulties

There is a grand total of over 600 Licensed Life/Health Companies "active" in every state of the United States. However, some are not currently writing new business. In addition, there are many active in only one or a few states, so you will find them missing from the top insurance company listings. Most states have a true actual listing count of 220 to 330 life and health home offices currently accepting new cases from licensed agents & brokers.

Advisor's predition. If I choose from the provider listings above, Foresters would be my top pick as the next rising star. Its innovative niche products are starting to create a high demand. Also watch Genworth, its stock value has zoomed and the company is very adaptive to market opportunities.

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Top Life Insurance Companies

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It is difficult to compile a list of Top Insurance Companies, because everyone does not have the same needs. If 5 people compiled their top five lists, you would have quite a variety of different lists represented.

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How is Top Life Insurance Companies

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One person may be a young father living on a tight budget, but needing protection for the family he loves. He needs a good term life insurance policy. It is more affordable, and the benefits decrease as his children grow up and the mortgage is paid off. You may have another person who is looking more from an investment side of things, and a good whole life policy might be the best option.

While another may have no beneficiaries, and since the product you are purchasing is not available until you pass away, it is not very much of a priority to them, other than maybe for the investment potential on a policy on which you can borrow against without penalty. You may have a person who smokes and another who doesn't want go to the doctor. All of these people will have lists of top life insurance companies that differ.

Here are some companies that are generally well-regarded that may be of help to you:

· Ohio National Life Assurance Corporation

· Protective

· West Coast

· Savings Bank Life Insurance Company of MA

· Transamerica

· Western Reserve

· AXA Equitable

· Genworth Life and Annuity Insurance Company

· Security Mutual

· The Penn Mutual

· Lincoln National

· Midland National

· North American Company for Life and Health

· Cincinnati Life Insurance Company

Just be mindful that the top life insurance companies are totally contingent upon your needs. And, like all insurance, it pays to shop around; you will different quotes within a particular category.

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Long Term Care Insurance (LTCi): Features of a Good Policy

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Don't let your LTCi be a disappointment
"I have 0 a day for life," Gloria, one of my clients, complained. "Why do they only give Carolyn .00 a day?"

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How is Long Term Care Insurance (LTCi): Features of a Good Policy

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Gloria owns several policies with my company. However, her LTCi, which she is currently using, is with a different company. Carolyn, her home health aid, receives limited pay because Gloria's policy includes only 50% home care. While Gloria would receive 0 a day indefinitely in a nursing home, she can only get .00 a day for home-care. Furthermore, since Carolyn does not work through an agency, she is considered "non-professional" and will be paid no more than .00 an hour. To make matters worse, Gloria is still paying her full monthly premium because her policy does not include a waiver of premium unless she is in a nursing home! This situation could have been avoided.

Take action to protect your interests

Long Term Care insurance, a type of protection that pays the bills when a person needs extended care either at home or in a nursing home, should be part of senior planning for every adult who owns property, investments or savings-or who simply wants to protect freedom of choice, independence, and family harmony. Nevertheless, 65% of adults over 40 admit to having made no plans for long term care for either themselves or a spouse, according to Genworth Financial.

Put the excuses on the table

The first excuse for putting off the purchase of LTCi is money, but the real reasons are usually a matter of denial-you don't really believe you will ever need it-and confusion over the mountain of information. Numerous companies offer LTCi insurance, and while the policies are similar, the language can vary significantly from one company to another. Make one inquiry, and multiple packets crammed with information will soon fill your mail box. You don't know what to do, so you do nothing.

LTCi: Basic coverage and features

Fortunately, understanding LTCi is not as difficult as it seems. However, it is not a one-size-fits-all program, so doing it on your own or over the phone is not a good idea.

Basic coverage

All LTCi begins with the basic coverage-a maximum dollar amount per day multiplied by the number of days of coverage. The actual premium is then based on your age. For example, a three year, 0 per day benefit would give you 1095 days times 0, or a "pot of money" of 9,500 to spend. Even though most nursing homes charge more than 0 a day, your pot will last at least three years because you can't spend more than 0 per day. Once the company has paid 9,500, your policy is exhausted, and you will have to pay for additional care yourself.

The other part of your basic coverage is the elimination period, a deductible consisting of a set number of days that you must pay for care before your policy will start paying. Some companies go strictly by the calendar, others go by the actual days you received care. A longer elimination period reduces your premium.

Feature 1: Home care

Features are benefits included with no extra cost. For example, most companies can offer a choice of whether you want to include care in your home. It may be included at a slightly higher premium, or it could be a rider, depending on the company. You can also choose 50% or 100% home care. If you choose 100%, you can spend your maximum of 0 per day for care in your home. Furthermore, while nursing home care has to be calculated on a daily basis, most companies calculate home care by the month. You could thus spend one day and 0 another day, so long as you do not go over 00 per month (in our 0 per day example).

Feature 2: Waiver of premium and discounts

Most companies will waive your premium when you have to start using your coverage. Some waive the premium from day one while others require you to be on claim for at least 90 days first. If you should get well and go off of claim, your premium would resume. Some companies waive the premium for both spouses if just one goes on claim. However, nearly all companies give a discount if husband and wife are on the same policy.

Feature 3: Restoration of Benefits

The best companies include a restoration of benefits feature, meaning that if you only need care for a few months and are able to go off of claim, your entire pot of money is "restored," giving you the full policy to use again when you need it. However, the pot can only be refilled if it has something left in it-even as little as .00.

Feature 4: Home modification

Many companies will pay several times your monthly benefit to modify your home with things like wheel chair ramps, widening of bathroom doors, or rails in the bathtub or around the commode.

Feature 5: Caregiver training

Do you have a family member who is able and willing to participate in your care? Some companies will pay several times your daily benefit to train that person who will then take care of you at their own expense, making your policy benefit last much longer.

Feature 6: Respite care

Respite care is simply a vacation for a family member who has agreed to help take care of you. For a certain number of days each year, a company will put you in a nursing home or find someone else to take care of you, and the company will foot the bill up to your maximum daily benefit.

Feature 7: Equipment rental

Equipment rental is simply the rental of hospital equipment-such as a hospital bed-usually up to the purchase price of the equipment.

Feature 8: Adult day care

The better companies include adult day care where you can get therapy and interact with other seniors. Usually transportation, meals, therapy, and help with activities of daily living are included.

Feature 9: Prescription drugs

The inclusion of prescription drugs-of the type given in a nursing home or hospital-is a very important feature, but many companies only include drugs with a rider. Ask about it.

Feature 10: Room reservation

What if you get sick while you are in the nursing home and have to go to the hospital? The room reservation feature reserves your bed for a certain number of days each year.

Feature 11: Hospice and ambulance

Medicare pays for the nursing needed during hospice as well as for a certain number of ambulance trips per year. However, most LTCi policies offer some additional ambulance dollars as well as the home health aid and domestic services if you are on hospice.

Feature 12: Patient Care Coordinator

Companies have different names for this, and many don't offer it at all. A patient care coordinator is a person who will work with you to find the agencies in your area. The person will find out what the agencies charge, and will help you choose the appropriate agencies to meet your need. The coordinator can also help you file claims by explaining how to correctly complete the paper work.

Remember, features of a policy are included without extra charge. It's worth paying a bit more for a policy that includes a lot of features rather than buying something cheap only to find out that benefits you would have liked aren't included.

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Cat Bites - Dangers and Disease

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Myth: You can't get a disease from a bite from your own cat.

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Fact: Anyone can get an infection from any cat bite.

Cats carry a germ called Pasteurella multocida in their mouths, a bacterium that can cause severe infections in humans. Both humans and animals have a mouthful of germs, but normally the body's own immune system keeps them in their place. The skin is one of the most important natural barriers. When this is disrupted by a bite, especially a puncture wound, bacteria are introduced into the deeper tissues, where they are nourished by a constant supply of blood. Cat teeth are often sharp and needle-like, and may penetrate to underlying tendons and ligaments, where infection can endanger the use of the effected limb.

Any cat bite should be cleaned immediately with soapy water and rinsed for several minutes. Even with thorough cleansing, infection is likely. However, taking antibiotics before signs of infection develop does not seem to decrease the likelihood of a wound becoming infected.

Infections from cat bites spread quickly, especially when the bite wound is on the hand. Within hours redness, swelling, pain, and warmth may develop at the site of the wound. A red streak may extend upwards as inflammation spreads along the lymphatic channels and veins that lead away from the wound. If these symptoms occur, call your doctor right away. He may decide to offer you an antibiotic over the phone, or more likely will want to see you. Either way, you will need an antibiotic. Penicillin or amoxicillin left over from a sore throat or ear infection is not likely to be effective. If you decide to wait a few days and see how things develop, you're likely to end up in the hospital on intravenous antibiotics.

Cats carry other diseases as well. Cat scratch disease is caused by Bartonella henselae. Infection with this organism produces a crusted, red bump or pustule at the site of the cat scratch or bite within 3 to 10 days of exposure. Swollen glands develop within the next 2 weeks. Bites on the arm or hand produce swollen glands in the armpits, whereas those on the lower extremities cause lymph nodes in the groin to swell. Along with the swollen glands comes fever, fatigue, loss of appetite, and headache. In general, no antibiotics are needed for this infection, which takes 2 to 5 months to resolve.

Contracting rabies from an unvaccinated cat is a possibility. In the US, the highest incidence of cat rabies is clustered in the lower New England states. If your own cat bites you but has been vaccinated, the risk is practically nonexistent. If a ferrel cat bites you, you should contact your doctor or health department right away to see if you are a candidate for rabies immunization. If you wait until you have symptoms, you'll be dead soon. Don't skimp on immunizing your pet - spending now could save you ,000 or more in the long run.

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Not a Mistake - The Dynamic, Cultural City of Cleveland, Ohio

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From downtown to its outer suburbs, Cleveland, Ohio has much to offer. The city is a dynamic mix of cultures, situated on Lake Erie. Having grown up here, these are a few of my favorite places to visit if you're going to be in town. The best time to visit if you want to avoid very cold weather is late spring or early fall. You won't be disappointed.

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Public Square and Tower City
In the heart of Cleveland is a beautiful old skyscraper called the Terminal Tower. Built in the late 1920's, its lower interior was remodeled in the 80's to have a large, fully enclosed mall called Tower City. It is impressive, to say the least, with its fountains, marble floors and elegant, multi-leveled structure. It's where Clevelanders meet to eat, shop and go to ball games. Nearby are the sports stadiums for baseball, basketball and football. This is a city who loves their sports. In the basement of Tower City, you can catch the subway, called the Rapid Transit or RTA, to the east or west side. The Rapid is fast, and convenient. Many businesspeople use it everyday to get to work. It also goes out to the airport. Tower City is a hub of most activity for Clevelanders.

The Flats
If you like to go out for a good meal, the Flats is a picturesque place to go. Many restaurants are on both the east and west banks of the Cuyahoga River, that runs next to Terminal Tower. This river is where immense ore barges and other ships come and go. The waterway is heavily used in the summer for both business and personal use by everyone. On the scenic west bank is Shooters, a popular restaurant that I used to go to, the view of the water is spectacular from there. There are concerts on there in the summer by famous bands of many genres. The historic Power House nearby is another popular place. It is a fully renovated old electric power building with TGIFridays, Howl at the Moon Saloon, the Improv comedy club and more. My friends and I used to go there frequently to meet after work.

Cleveland Metroparks System
Cleveland is surrounded by a very large ring of public parks, that are well maintained and offer spectacular natural beauty. There are places to cook, shelters and picnic tables, jogging trails, horseback riding stables and more. This ring extends for many miles all over the Cleveland suburbs. My favorite is the Chagrin Reservation in the autumn, when the trees are all changing their colors. Fall is spectacular if you like nature, the trees' vivid colors really stand out. There are events like horse shows, dog shows and others throughout the year. The Cleveland Metroparks Zoo is a popular place, too, on the near west side.

University Circle
This is a highly cultural area on the east side of Cleveland, full of students since many colleges are in this area, Case Western Reserve University and the Cleveland Institute of Art, to name a few. The Cleveland Museum of Art is a stately building with many varied exhibits from the suit of armor room to Egyptian mummies and tombs. The Cleveland Museum of Natural History is a favorite of mine, showing in detail dinosaur skeletons, the history of the area, the beauty of nature and how the world works through exhibits, lectures and a planetarium. The Cleveland Botanical Garden is next door, and a must for plant lovers, it even has a rainforest. The Crawford Auto Museum is elegant, and the site of many weddings and parties. There you can see cars from all ages in perfect condition. Great for old car buffs.

Little Italy
This ethnic part of University Circle is a wonderful place to go to a cafe, or festival. They have yearly traditional festivals like the Feast of the Assumption, where the streets are closed off and people jam in there like sardines. Little Italy is chock full of galleries. An old elementary school there was turned into a building full of shops and galleries, and the surrounding shops are artistic as well. It is an artist's paradise. There are art walks and shows frequently. Stop at Presti's Bakery for the most amazing pastries, ever. If you are there at the crack of dawn, Presti's has a small donut shop a few doors down from their bakery, but it closes early. If you're lucky enough to catch it while it's open, the donuts are warm and fresh. It has been a tradition for area residents for many, many years.

Chagrin Falls
An outer suburb of Cleveland, this is my home town. With seven waterfalls throughout its territory, this charming, New England-flavor town has the homey atmosphere that occaisionally attracts movie producers, and is the site of a few past motion pictures. Go to Chagrin Falls on Memorial Day, when there is a parade and festival (Blossom Time) in the downtown park. This is Americana at its best. Stop at the Popcorn Shop, across the street from the downtown park, where you can get ice cream, popcorn and other snacks. It is a very old, historic building full of history built right on top of a waterfall. There is a public staircase to go beneath it and see the falls from down below. If you go to Chagrin in the summertime, this is a must. In the heart of town, there is also an old gazebo that used to be where old-time bands would play music. This is a quaint old town you don't want to miss.

The West Side Market
If you love to buy fruit, meat and other food items directly from vendors themselves, the West Side Market is the place to go and dicker with them. There are long-established family vendors selling fresh chickens, old world pastries, meats, chocolates and every fruit and vegetable imaginable. There are Polish, Italian, Irish, Slavic, Mexican, German and other foods there. It's a melting pot full of fresh food with a loyal following of people who come from all over to shop.

The Rock and Roll Hall of Fame and the Science Center next door
If you love rock and roll, visit this museum or be square! It is a lively modern building, built on Lake Erie, with exhibits, shows, and souvenirs galore. Next door is the science center, with its own IMAX theater. These are wonderful family venues, so make sure to take your kids and walk around both places. Frequently when I've been there, boat shows can be seen outside, so check out on the water when you're there. The lake is a center of activity all in itself.

If you have the chance to visit Cleveland, remember to bring your camera. It is a diverse place with much to explore. Go to the art shows, plays, museums and visit the many top-notch restaurants. This city is growing, and improving daily. Go see a game or two, ride the train. On St.Patrick's Day, there is a huge parade worth attending, whether or not you're Irish. If you get really adventurous, drive out to Cedar Point or Amish country (about an hour or so from downtown Cleveland). If you need maps while there, stop at the Chamber of Commerce or local branch of an auto club. Whatever you do, go to Tower City, downtown Cleveland is well worth visiting. Once you go, you will see what all the fuss is about, this great city has it all. Cleveland really does rock.

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100 Top National Insurance Companies Serving Employee Group Benefit Brokers

Western Reserve - 100 Top National Insurance Companies Serving Employee Group Benefit Brokers

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TOP NATIONAL INSURANCE COMPANIES & Carriers Licensed in all 50 states

1. ACI Specialty Benefits

2. Advantica Eyecare

3. AFLAC

4. AIG Employee Benefit Solutions

5. Allstate Workplace Division

6. American Sentinel Insurance Company

7. Ameritas Group

8. Assurant Employee Benefits

9. Avesis

10. BCS Insurance Company

11. Beta Health Association, Inc.

12. Boston Mutual Life Insurance Company

13. CIGNA

14. Combined Insurance Worksite Solutions

15. CCG- Cost Containment Group

16. Davis Vision

17. Delta Dental

18. Dentali Dental and Vision

19. Dental Select

20. EyeMed Vision Care

21. EZ Meds USA

22. GPM Life

23. Great American Insurance of NY

24. Great American Supplemental Benefits Group of TX

25. Guardian Life Insurance Company

26. Hartford Life

27. HM Insurance Group

28. Humana

29. Independent Health

30. ING Employee Benefits

31. Liberty Mutual Group Benefits

32. Lincoln Financial Group

33. Madison Life Insurance Company

34. Magnum Dental & Vision

35. Majestic Underwriters

36. MedAmerica Insurance Company

37. Medico Insurance Company

38. MESVision

39. Metropolitan Life Insurance Company

40. Minnesota Life Insurance Company

41. Mutual of Omaha Insurance Company

42. Nationwide Financial

43. Patriot Health, Inc.

44. Petersen International Underwriters

45. PPO USA

46. Principal Financial Group

47. Prudential Company of America

48. Reliance Standard Life Insurance Company

49. SecureCare Dental

50. Security Life Insurance Company of America

51. Security Mutual Life Insurance Company of NY

52. Spirit Dental Life and Vision

53. Standard Insurance Company

54. Standard Life Insurance Company of NY

55. Sun Life Financial

56. Super Vision Services

57. Symetra Financial

58. Transamerica Affinity Services in MD

59. Transamerica Worksite Marketing

60. Trustmark Voluntary Benefits Solutions

61. UNIFI Companies Retirement Plans

62. United American Insurance Company

63. United Concordia Companies

64. United Health Programs of America

65. Unum

66. VSP Vision Care

TOP MULTI-STATE INSURANCE COMPANIES Licensed in 40 or more states.

1. American Fidelity Assurance Company, minus NY

2. American Public Life Insurance Company, -NY

3. American United Life Insurance Company, -NY

4. ArmadaCare, -7 states

5. Assurity Life Insurance Company, -NY

6. BasicPlus Insurance Services, -10 states

7. Block Vision, -9 states

8. Brokers National Assurance Company, -6 states

9. Colonial Life, -2 states

10. Colorado Bankers Life Insurance Company, -2 states

11. Companion Life Insurance Company, -4 states

12. Conseco Insurance Companies, - 2 states

13. Continental American Insurance Company, -NY

14. Dominion Dental Services, Inc., -4 states

15. EMC National Life Company, - 2 states

16. First Dearborn Life Insurance Company, -NY

17. HealthPartners, -2 states

18. Illinois Mutual, -4 states

19. John Hancock, -2 states

20. Kansas City Life Group, -2 states

21. Minnesota Life Insurance Company, -2 states

22. Mutual Trust Financial Group, -2 states

23. Ohio National Financial Services, -3 states

24. Oxford Life Insurance Company, - 5 states

25. Penn Treaty Network America, -7 states

26. Renaissance Life and Health Insurance Company, -NY

27. Securian Dental Plans, -6 states

28. Significa Insurance Group, Inc., -5 states

29. Standard Life and Accident Insurance Company, -5 states

30. Starmark, -10 states

31. Texas Life Insurance Company, -NY

32. Transamerica Life Insurance Company, -5 states

33. Trustmark Life Insurance Company, -9 states

34. Western Reserve Life, -NY

Other insurer organizations and insurance companies

Shenandoah Life Insurance Company is not listed, as it is undergoing some difficulties. Apologies are in order to any companies catering to this market segment that were missed.

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Drug Rehab - No Insurance? Learn Your Free Rehab Options

Western Reserve Hospital - Drug Rehab - No Insurance? Learn Your Free Rehab Options

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Do you know about - Drug Rehab - No Insurance? Learn Your Free Rehab Options

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Few of us ever plan on needing drug or alcohol rehab, and unfortunately, some of end up needing it without the insurance coverage to pay for it.

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With a month's stay at a private rehab running as much as 000 or more, few of us have the savings to self finance a stay at rehab; and unfortunately a lot of us have jobs and homes and families, and although we are in need of assistance, we also do not qualify for state of federal treatment funded aid.

Too poor to pay for rehab, and too rich to qualify for governmentally funded treatment; truly stuck between a rock and a hard place.

You may have heard about more affordable programs, but a Google search doesn't seem to help much, and where can you go to learn more about the options available to you?

There are options

Thankfully, there are more than 2000 free or very affordable drug and alcohol rehabs in operation coast to coast. These non profit or charity programs do not base entry on your financial situation, but on your need for help. You can find a program that's going to help you.

Private Rehabs with "low Income" Beds

A lot of private facilities will reserve a certain number of treatment beds for those in need of subsidized care. Treatment is unlikely to be free, but the fees are generally based on your income, family size and ability to pay for care, and can be quite affordable.

Because you will receive the same treatment as others in the program who may have paid tens of thousands of dollars, this can be an exceptional situation and you can expect a very high level of care, service and accommodation.

General Non Profit Rehabs

There are hundreds of treatment facilities in America that exist to serve lower income and uninsured participants. These non profit entities offer comprehensive therapy and often in very pleasant environments. While treatment is rarely free, most programs will not turn away those in need, regardless of their ability to pay for services.

The Salvation Army and Gospel Missions

Sometimes overlooked, these programs do not offer luxury, in fact the lodgings tend to be quite Spartan, but for those with nowhere else to turn, either of these organizations offer sanctuary, treatment and hope. Programs tend to be long term, free of charge, and open to all willing to participate in a Faith based program of recovery.

Recovery Housing

Another often overlooked therapeutic environment is sober living housing. A sober living house does not offer the therapeutic intensity of a drug rehab, but they can be very inexpensive, and will offer long term sober residence and a safe and supportive environment for recovery. Most will require that you work and attend AA meetings during your period of residency.

The unfortunate reality is that although a great many facilities do exist, they can be very tough to find. Thankfully though, there are options, and you just need to find them.

You can get better!

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