US HomeSavers Household and Business
Risk Management
"REAL EMPLOYER & EMPLOYEE BENEFITS FOR INDIVIDUALS, SMALL BUSINESS OWNERS, ASSOCIATIONS & SELF-EMPLOYED PERSONS"
The best way for families and employers to avert a financial disaster is to have the right insurance in place and access to expert, credible financial and legal services before, during and after a crisis strikes.
Did you know that 60% of personal bankruptcies are medically related? Nearly 80% of these bankruptcies happened to people who had little or no health insurance or people who "thought" they were insured. A good number of folks had employer sponsored group health insurance that did not pay claims as expected.
You see, insurance companies are not in business to pay claims, the are in business to collect premiums. All insurance companies are not alike so how do YOU know if you have adequate coverage? How do YOU know if you are paying too much for the coverage you already have?
Small business owners and self-employed people constitute the largest percentage of those at risk of a financial catastrophe. In fact, the self-employed represent the largest group individual bankruptcy filings because of inadequate insurance or no insurance.
iCore Capital Consultants, Inc. is US HomeSavers' parent company. We are advocates for the 80% of America's population who do not have good access to good health insurance, financial and legal services. We cover the assets of America's middle class by providing our clients with the knowledge to make GOOD DECISIONS about insurance.
Healthcare and financial reforms recently enacted by an over-zealous and over-reaching legislature have already and will continue to have a serious financial impact on small business owners and the middle class in general whereby your insurance advisor may become more important to your overall financial well being than your attorney, doctor or CPA. You need an insurance advisor now more than ever - not just an insurance agent.
(Partial List of one benefit only- Call us for Additional Literature)
Affordable Health Plans
By Insurance Companies You Already Know
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Major Medical Insurance - Individual
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Small Group Major Medical Insurance (2 - 50 Employees)
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Very Affordable Mini Medical Insurance
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Major/Mini Medical Hybrid Plans
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Health Savings Accounts
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Medicare Supplemental Insurance
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Must Have Accident Insurance
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Accident Disability Insurance
Starting at about $1.00 Per Day!
Affordable Life Insurance
Affordable Benefit Plans
AFFORDABLE PROTECTION FOR EMPLOYERS, EMPLOYEES, INDIVIDUALS AND THEIR FAMILIES!
AARP® Endorsed Senior Care
- Free Prescription Card When You Subscribe to Our Informative Healthcare Reform Newsletter
Order Prescription Cards Here - Indicate How Many You Need
Save 30% to 70% On Your Generic or Brand Name Drugs at Target, Walmart, Walgreens, CVS, etc.
Join Our Local, North Texas Merchant Group
IF YOU HAVE QUESTIONS, I HAVE ANSWERS
CURT PIFER
972-818-2500
THE BEST VALUES IN ANNUITIES, ACCIDENT, LIFE, HEALTH and PRE-PAID LEGAL INSURANCE SERVICES!
 We are Independent Producers for virtually all of the major Life and Health Insurance Companies.
As our client, you are not pigeon holed into one company's product line. We will help you research your best options against most major carriers to get the insurance coverage you need at a price you can afford. We are also able to mix and match plans to meet your medical need on budget. The right insurance today could save you tens, even hundreds of thousands of dollars tomorrow.
No one in their right mind WANTS to talk about or buy insurance or talk to an insurance sales person but guess what? If you do not have these discussions with an insurance advisor you can trust, where can you turn for honest answers and solutions? US HomeSavers endorsed employer and employee benefits fill this critical need.
 Your mortgage Lender requires you to have Homeowner Insurance, the LAW requires you to have Auto Insurance. The LAW will soon require you to have Health Insurance or you will be fined nearly $3,000 or 1% of your gross income. Good bye Tax Refund if you do not have health insurance!
Insurance proverb: "The only people who want to buy insurance are people who can't get it."
When you are sick or have a pre existing condition, you're no longer insurable. Yes, in 2014 insurers are going to have to offer you coverage, but you will still have to pay for it. Don't wait for the government to help you - it just isn't going to happen.
AARP® Having the right life and health insurance is a great investment in your future. Having the right agent is even more important because insurance companies are always changing and changing the rules. Today, your insurance "advisor" is just as important as your lawyer or doctor.
Not all insurance companies are alike except for one similarity: They are not in business to pay claims. They are in business to collect premiums. Period.
All insurance policies, life and health, have exclusions and loopholes that allow insurance companies to deny claims. Plans and programs endorsed by US HomeSavers and their Member Producers close most of those loopholes.
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Approximately 1 in 9 persons seek medical attention for injuries every year. (Would you jump out of an airplane with a parachute that has an 11% failure rate? Probably not.)
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The 5th leading cause of death is accidents. Over 100,000 people lose their lives by accidental injusry every year.
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The economic impact of unintentional injuries amounted to $625.5 billion daollars in 2005 and continues to rise. That was $5,500 per household.
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It is estimated that over 24 million people suffered disabling injuries as a result of motor vehicle accidents, work and home accidents in 2006. I know, I handled hundreds of related bankruptcies and foreclosures that year.
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Disabling injuries occurre at a rate of 1 every 2 seconds in the U.S.
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The cost of all U.S. injuries was equivalent to 51 cents of every dollar spent on food in the United States.
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Over 60% of all personal bankruptcies in the US are medically related.
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Nearly 80% of persons facing a medically retated bankruptcy - had insurance in place!
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1 in 6 persons will experience Identify Theft
*National Safety Council Injury Facts 2007
 Whether or not you already have individual or employer sponsored employee medical benefits, for the sake of $7.67 a week individuals can close some of those insurance policy loopholes and employers can protect themselves from possible lawsuit liability caused by an accidental injury.
This is a must have for small business owners who cannot afford or qualify for medical coverage and employers who do not pay for workman's compensation insurance.
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Call Curt at 972-818-2500 to find out more!
AS YOU CAN SEE, WE ONLY ENDORSE THE BEST COMPANIES AND PRODUCTS. INSURANCE ARE JUST INSURANCE COMPANIES THOUGH. THE SECRET TO HAVING GOOD INSURANCE IS IN THE AGENT - NOT THE COMPANY. US HOMESAVERS' ENDORSED PRODUCERS ARE NOT COMMISSION WHORES AS ARE MOST AGENTS. YOUR BEST INTERESTS WILL ALWAYS COME FIRST
THE RIGHT INSURANCE AND THE RIGHT AGENT CAN MAKE YOU RICH AND KEEP YOU THERE IF YOU USE THOSE RESOURCES PROPERLY. IF PEOPLE FACING BANKRUPTCY AND FORECLOSURE TODAY HAD INVESTED A LITTLE TIME AND MONEY IN THE RIGHT INSURANCE VEHICLES, MANY WOULD NOT BE LOSING THEIR SAVINGS AND HOMES TODAY! WE CAN ALL HELP MAKE THIS A BETTER COUNTRY AND HAVE A BETTER LIFE TOO!
(This site is currently being remodeled to serve you better so please give Curt a call at 972-818-2500 if you have any questions. We don't bite and you won't get a sales pitch unless you demand it.)
Insurance Facts to "Live" by - Click Here | 
