Individual Health Insurance vs. Group Health Insurance

Individual health insurance is very different from group health insurance in some respects. Many people have had group health insurance from a large corporate group plan and that is all that they have ever known. Many have never had to actually pick and choose between different insurance companies and different health plans as all of the decision making was done on their behalf by their employer. Here are a few quick things to keep in minding when searching for individual health insurance.The underwriting for individual health insurance is different than the underwriting for group health insurance.This is great news if you, your spouse and kids are healthy as individual health insurance rates are much cheaper than a comparable group health insurance plan. It could be a cause for concern if you have some health issues in your past as there is the possibility that the application will be declined due to what is called “pre-existing conditions” in your medical history. Most individual health insurance companies will look back into your health history going back about 10 years. If the application is on a fully underwritten basis and there are major health issues such as cancer, diabetes, heart disease, etc. then the application will be declined. (What do you do at this point? Make sure that you keep your current coverage and elect COBRA benefits or any other form of continuation coverage and when that coverage expires you will want to look for a HIPAA eligible health insurance plan).Individual health insurance is much cheaper than group health insurance.Think of it kind of like; in individual health insurance the insurance company gets to pick and choose who they will extend coverage too. They choose those who are healthy and have the lowest risk to the company. Therefore, the rates are much lower than in a group health insurance plan where no matter who applies for coverage, whether healthy or unhealthy, they are offered coverage (and of course everyone that is unhealthy wants health insurance – this principle is called the law of adverse selection if any super technical people just love knowing the actual name of insurance principles). A good way to think about it is if you are healthy and on a group health insurance plan then you are in a sense subsidizing the cost of all of the unhealthy people on the group health insurance plan.Getting quotes for individual health insurance is very easy.Obtaining group health insurance quotes is sometimes a long drawn out process of filling out a census form with all of the employee information and other administrative time consuming tasks. With the ease of the Internet and the simplicity of individual health insurance rates all it takes is a few moments to enter in basic health insurance information and you can view individual health insurance rate quotes online.

Educational Sales Representative Jobs

Being an educational sales representative can be a very fulfilling job if you have an inclination toward academics and love to deal in educational tools. As an educational sales rep, you can apply for a wide array of jobs coast to coast as there are immense opportunities available in the field. Choosing educational sales jobs as a career option can do loads for your prospects as the sky is the limit if you want to soar higher up in your career.Take up a job or work from homeWith loads of federal money being pumped into education, the time is right for choosing educational representative jobs as a career prospect. As an educational sales rep, you can be employed with a school supplies company or work independently from home or from an office anywhere coast to coast.You can sell school or college text books and educational appliances depending on your job profile and the type of educational institution you are catering to. You need to be in touch with preschool teachers, middle school or even higher depending on the type of market you are catering to.There is loads of educational software that you might require to push into academic institutions which would be part of your job. Your best bet would be to check out places where you can equip with a degree or training to be best suited for the job.Software salesAfter all you have to include all relevant information in your resume while applying for the post of an educational sales representative. As an educational software sales consultant you will have to hold seminars to raise awareness of your product and make presentations in your designated area.There are B2B and B2E type so selling products and depending upon your experience handling any of them, you can easily check out job prospects at publishing firms that hire educational sales reps.It also depends a lot on which one of the educational products you are passionate about selling as it would also impact your job prospects as an educational sales rep. There are also loads of educational sales representative job opportunities in federal publications that you can check out. It is easy these days as you can hunt for jobs online and match them with your profile and mail your resume.The pay is good these days and the sky is the limit for performers who can excel in their jobs. If you have a knack for selling educational products, there is no stopping you and with more money coming into education these days, you can have a wide array of choices depending on your educational qualifications, aptitude and experience as an educational sales representative.

The Role of Adult Education Centres

“Education is not preparation for life; education is life itself.” The famous quote of John Dewey simply says it all. Society is dependent on its individuals and education plays an important role in developing communities. Education provides humans with the ability to improve their performance and lifestyle by making informed choices and by forming opinion on political issues concerning themselves. Developed nations invest heavily on education as they realize the importance of providing education to their citizens.In the UK there are many adult education centres that deal with the education of adults in the workplace, through continuing education courses at colleges, universities or lifelong learning centres. Adult education is often referred to as ‘second-chance’ or ‘training and development’ and many schools offer tailor-made courses and learning programs for the returning learners. Hence, these adult education centres play a vital role in society since education contributes to the development of communities.Adult education is different from traditional children’s education since adults have accumulated knowledge, and work experience which adds to their learning experience. They often apply their knowledge practically to learn more effectively. For instance in the 1990s when PCs were newly introduced many adults, mostly office workers, enrolled in computer training to learn the basic use of the operating system or specific application software. Most of the adult education centres provide one to one tutoring and small group sessions for adults.Continuing education is also called further education in the UK, which refers to post-secondary learning activities and programs. The post-secondary learning activities include degree credit courses by non-traditional students, non-degree career training, workforce training, on-campus and online formal personal enrichment courses, self-directed learning through Internet interest groups, clubs or personal research activities, and experiential learning as applied to problem solving. The method of delivery of continuing education can include traditional types of classroom lectures and laboratories.However, mostly continuing education is offered through distance learning, including videotaped/CD-ROM material, broadcast programming, online/Internet delivery and online Interactive Courses. Continuing education is basically for those adult learners who are beyond the traditional undergraduate college or university age. However, further education assumes adults have basic education and are continuing with their education hence it does not include basic instruction such as literacy, English language skills, or programs such as vocational training.For more information regarding Adult Education Centres in the UK refer to SearchMe4 online business directory.