Every six months you get a bill in the mail from your auto insurance company.   After your eyes glaze over 12 stapled pages of different line items of coverage and boiler plate language, you get …

(ATLANTA,GA) –September 23rd, 2011- Atlanta based oXYGen Financial, a growing leader in financial services for Generation X and Y individuals and business owners, has hired Chris Sands to pioneer a new business model focused on …

As technology changes, we are always looking for the latest and best upgrades so we are on the cutting edge.  Just like the technology sector,  the world of insurance policy design and implementation is constantly …

One of the most overlooked parts of an overall financial plan is the benefits package you receive from your employer.   Last week I reviewed the areas of life insurance.    For younger …

One of the most overlooked parts of an overall financial plan is the benefits package you receive from your employer.   Two weeks ago we talked about health insurance and the decisions that …

One of the most overlooked parts of an overall financial plan is the benefits package you receive from your employer.   Making benefits decision can often be a difficult process.  Most of the …

Here is the scenario.  Your husband is driving home that night on the local highway.  Out of nowhere a large truck sideswipes the car sending it reeling off the road.  After …

A few years ago, my sister ran into a truly awful situation. She had to face the music that part her family might pass way. One of her …

If you are in the market to buy life insurance, you need to remember that not all term insurance is created alike. Here are some key items to remember so you can …

I have been asked over the past few weeks on what the heath care reform will mean to you over the next number of years.  Here is a great chart put together …

Someone asked me the other day, “Ted, is it morbid to ask you whether I should buy life insurance on my children?”   It was an interesting question, and one we often get from …

There are many types of insurance programs to manage these days. Yet, one of the programs most misunderstood by employees of companies and small business owners is the need for disability …

Doesn’t it seem like there is always an insurance decision to make? Whether it is from a new purchase you make, a decision at work, or someone calling you to buy …

Health Savings Account Limits For 2010
Many Americans have switched over to a Health Savings Account. This would be a great time of the year to assess what you actually spent …

Many people consider buying into permanent insurance policies. Almost always, I see an illustration when people bring it to me with a hypothetical illustration. On some policies these projected illustrations carry a hypothetical rate of return of 10% to project where cash value accounts will be over the next 20 to 25 years.

There has been a ton of press over the past few months regarding health insurance. Democrats slamming Republicans, and Republicans slamming back Democrats.

I too have a political party. The party of the small business owner. We take all of our cash, put a business plan together, and work 70 to 80 hours per week creating the dream of building something that will live beyond our lifetime. However, with all that has gone on over the past year, where is the small business owner to turn when the policies from Washington, D.C. come to fruition.

Windstorms, Hurricanes, and Tornadoes–Are You Covered?

Tornadoes, hurricanes, and other windstorms can cause lots of damage to your home and its contents. But will insurance cover your losses if one of these storms strikes your home? The answer is that it depends.

Understanding Long-Term Care Insurance-
It’s a fact: People today are living longer. Although that’s good news, the odds of requiring some sort of long-term care increase as you get older. And as the costs of home care, nursing homes, and assisted living escalate, you probably wonder how you’re ever going to be able to afford long-term care. One solution that is gaining in popularity is long-term care insurance (LTCI).

How to Save Money on Your Auto Insurance

You may have good reason to complain about the cost of your auto insurance, but have you tried to do anything about it? If you’re resourceful and willing to do a little homework, there may be plenty of ways to lower your premium. And we’re not necessarily talking chump change–a few simple steps can sometimes save you hundreds of dollars a year.

Health Savings Accounts (HSA’s) were approved by Congress in 2003—part of the largest expansion of government intervention in medicine in 40 years—and became law in January 2004. Almost six years later, most American still don’t understand their health insurance choices. You can’t overlook considering whether an HSA is right for your family. Remember that an HSA is a different plan than the Medical Savings Accounts (MSA’s) which were introduced in 1996.

Cristina Briboneria Private CFO™ oXYGen Financial, Inc.

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Have you ever been in an accident? Do you have car insurance?
Last Friday, I was in an accident in a Kroger’s Parking Lot. The …

When you start taking your child to the dentist, life is pretty good . . . until their teeth grow into their mouths. I know technology has made everything smaller today, but is it possible that they have made our kid’s mouths smaller? I have three kid’s and it turns out the dentist ‘recommends’ they all get braces in some way, shape, or form.

There are announcements almost every day of layoffs across the country. With roughly 10 percent unemployment across the United States people are concerned about their health insurance coverage. One of the things that we’ve been hearing is that people simply do not know whether to utilize COBRA coverage or purchase their own separate policies. written by Arthur Benz
President, oXYGen Financial Insurance, Inc.
Insurance Agency

Over this past week, I’ve been watching many different proposals around health insurance in the United States. In one magazine, Investors Business Daily, they had a flow chart of what the health insurance plan would look like. It looked more like an electrical engineering chart of the Empire State Building than it did a health insurance plan.

Get your financial house in order in 2009! Top 10 tips from Oxygen Financial in 2009. 2009 is upon us and it’s time to think about cleaning up your financial house, so here are some of Oxygen Financial’s top tips to get your financial house in order: