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Graduating out of insurance and into a recession…

August 24, 2009

Well into the summer many graduates remain unemployed and uninsured.

Graduating out of insurance and into a recession is difficult. Spending months of job searching after years of earning a degree is not a graduates dream, but it is a reality. As recent graduates scramble in the job market, many times insurance is put aside or forgotten. A heavy sacrifice too many young adults are making.

As many graduates look for work, they neglect to find even a short term medical plan. Many believe it is too expensive and out of reach, therefore push it aside until they find that first job. This is untrue and a dangerous risk to take when medical emergencies may go as far a bankruptcy.

To a recent grad with no insurance, please at least find a short term health insurance plan to cover emergencies. You may not plan on being injured… but is that not why we call them accidents? Look after yourself, be insured.


Benefits of short term insurance

August 12, 2009

As countless graduates find themselves on a scavanger hunt for jobs, many times they forget to sign themselves up for health insurance.

The excuses are endless: I don’t have time, insurance is expensive, I’ll worry about it later… the consequences of being without insurance can be much more sever than any graduate would think. This is why many companies have offered short term insurance. Here are a few perks you have to look forward to as a policy holder:

– affordable

– may cancel policy at any time with repayment of unused premiums

– easy application

– insurance issed as soon as next day

With all this there is no reason to remain uninsured. Short term plans are great for gap insurance after graduation while job seraching or even between jobs it’s a great option. Please, find an insurance plan that’s right for you, keep yourself safe – keep yourself covered.


NGI Group and AfterCollege Help Graduates with their Insurance During Transition from College to the Workforce

August 6, 2009

Recent graduates report lack of Job opportunities, creating fewer health insurance options for America’s largest uninsured population

Phoenix, AZ – August 6, 2009 – Next Generation Insurance Group, LLC (, founder of, the leading insurance resource for new college graduates, and AfterCollege, Inc., the nation’s largest provider of online career networks for college students and recent graduates, today announced a strategic partnership aimed at delivering insurance options to America’s largest uninsured population – young adults.

According to recent research conducted by AfterCollege, 78% of 2009 graduates are having a difficult time finding a job, leaving employer-sponsored group health insurance on hold for the majority of recent graduates. According to the Commonwealth Fund and U.S. Census Data, 13.2 million Americans between the ages of 19 and 29 are already uninsured, making this group the nation’s largest uninsured demographic.

The partnership between AfterCollege and Next Generation Insurance Group (NGI Group) will connect AfterCollege’s large membership base of recent graduates with NGI’s specialty insurance products, including short-term medical insurance, which helps bridge the gap between graduation and employer-sponsored health insurance.

“Our research revealed how difficult the job search has been for recent graduates in this tough economy,” said AfterCollege Founder & CEO, Robert Angulo. “ offers the ‘right-fit’ insurance products for our audience and we’re hopeful that their products will help of members during their transition to life after college.”

“The prolonged job search of this year’s recent graduates increases the likelihood that many recent graduates will join the growing number of young adults who don’t carry health insurance,” said John Fees, co-founder and CEO of Next Generation Insurance Group. “We are pleased to work with AfterCollege to fulfill the diverse needs of new graduates and commend them for helping new graduates discover the many affordable insurance options that are available through”

The collaboration between AfterCollege and Next Generation Insurance Group will include a full suite of insurance products available at including health insurance, renters insurance, travel insurance, and short-term medical insurance.

About AfterCollege
Founded in 1999, AfterCollege, Inc. ( is an online professional platform that connects students, faculty, alumni and employers through customized career networks at colleges and professional organizations across the country. Today, AfterCollege powers the largest number of career networks on the internet, using its patented process to deliver thousands of exclusive opportunities to students and alumni. Its proprietary platform and job distribution technology translate into substantive job content for job seekers and into more qualified applicants for employers. AfterCollege’s unique approach is patented under U.S. Patent Number 7,213,019. AfterCollege is certified by the National Minority Supplier Development Council.

About NGI Group LLC
Next Generation Insurance Group LLC is a national insurance sales and marketing firm that enables consumers and organizations to manage risk affordably. With headquarters in Boston and Phoenix, the firm is a nationwide authority on relevant, “right-fit” insurance products for specific life stages and life events, including http://www.gradguard.com and NGI applies its expertise in affinity, collegiate, Internet and young adult marketing to design and market specialty insurance programs. For more information, please visit


Tip For The New Graduates

July 17, 2009

Walking up to the stage, grabbing the diploma, shaking hands with the dean, hearing the cheers, and then turning the tassel to the other side of your cap.

Take a minute to gather all of the emotions that come with graduating college. Life then feels like a whole bunch of highs, done with school, no more late night studying, getting congratulations from friends and family.

The last thing to think of is health insurance. Most graduates don’t know that the day they receive their diploma either their student health insurance or insurance through their parents health plan. EmaxHealth suggests that about 30 percent of people ages 19-29 are uninsured.

A common option for grads is to buy short term health insurance to cover them anywhere from 6 to 12 months while searching for a job. With this job market another option is buying permanent health insurance because in being hired for a new job there is no guarantee that you won’t be on the search again for a new job. Overall just make sure you are covered because you never know when and what accidents might occur.


Hey Mom! Your Grads Are Moving Back In… and Clueless About Health Insurance.

July 17, 2009

Grads stressing over student loans to grocery bills are cutting costs every possible way. Graduates are doing their best, but sometimes the pennies just won’t stretch far enough.

A study by revealed 62% of graduates would rather live at home than go without health insurance. It’s fantastic grads realize the importance of health insurance, but at the same time do they really know what’s so important about it?

The same study showed less than 50% of graduates could give a confidently define a deductible, similarly 41% could sufficiently describe a premium, and only 15% of grads could define co-insurance…

After an employee works full time for a company, the employers group plan most commonly provides health insurance. It has been recently reported that employers plan to hire 22% less graduates for entry level jobs, a scary thought for the unemployed. 

Most commonly a short term plan will be purchased should any medical emergencies arise between graduation and beginning that first job. As it seems, most graduates are unsure about what insurance is. If this is the case, and you know a grad who’s uneducated about health insurance have him or her check out our informational tabs on GradGuard.


5 Tips For A Safe and Fun Road Trip

July 17, 2009

Apple pie and baseball games are not the only things that define America.  Road trips have always been a source of excitement for all Americans.  Throughout the years people have always associated road trips to an escapism from reality or a “new start”.  Especially during the summer, families and friends love to take off, and drive out of town for a long weekend.  Road trips are always adventurous, but to make the most of your vacation, here are 5 tips to make it a trip you will always remember!

1) Think outside the box

It might be tempting to choose a known fast-food place on the way like McDonald’s or Taco Bell for a quick bite.  Spice up your dish and choose a restaurant you’ve never heard of!

2) Ditch the Car

While you are driving, look for anything that seems interesting to explore.  Sitting in a car for hours can be exhausting and boring. If you are ever getting tired of staring at the never-ending road, get out of the car, and explore the area! It will be a refreshing change, and you’ll be ready to keep driving!

3) Drive Safely

Before you leave for your road trip make sure you have auto insurance.  Summer is the time for road trips, and there are so many people on the road.  Drive safely, and make sure you are insured because car crashes are very common, and can be very costly!

4) Take the Scenic Route

You are more than likely going to be on the road for hours if you are taking a trip.  Choose a route that is more scenic and beautiful.  It might not be the shortest route, but your ride will be a lot more enjoyable if you choose “the road not taken”!


Spontaneous road trips might seem more exciting initially, but it is always better to do some research about the place you are visiting so you know of exciting things to do in the area. While you are on the road, flip through some brochures, and familiarize yourself with your destination.


Saving money on health care reform

July 17, 2009

Health Care reform has been a hot topic in the media for the past few months but coverage has not died down.  On July 15th, President Barack Obama gave a a speech on the matter in Rose Garden.

Obama made a strong point that we can no longer put off this issue and that by deferring reform is nothing more than defending the status quo.

The President continued by pointing out the benefits that this reform can bring.

“If you lose your job, change your job, or start a new business, you’ll still be able to find quality health insurance you can afford.  If you have a preexisting medical condition, no insurance company will be able to deny you coverage.  You won’t have to worry about being priced out of the market.  You won’t have to worry about one illness leading your family into financial ruin.  That’s what reform means.”

On July 14 the House introduced its health reform proposal.  July 15th, the Senate HELP committee also passed a similarly strong proposal for reform.  The progress in the House and Senate shows a great example of bipartisanship. Although this progress is very beneficial, the President warns the nation.

“This progress should make us hopeful – but it shouldn’t make us complacent.  It should instead provide the urgency for both the House and the Senate to finish their critical work on health reform before the August recess.”


Don't just know your plan, know your agent!

July 17, 2009

Articles are published all the time in health care news about the importance of knowing your health care plan.  These articles bring about a very crucial topic that is very true.  Not knowing your own coverage can lead to issues down the road when you go to file a claim.

The only thing is, you must also know your insurance agent.  Make sure you know that the person you are talking to on the other line is truly looking out for your well being.  Brian Urban, Nebraska legislative chairman for the National Association of Health Underwriters points out that “there are  those people out there who have to make their certain quota.”

GradGuard‘s right fit approach avoids just that. GradGuard’s main concern is providing coverage for individuals on need basis.  Meaning, agents will search policies from multiple A rated providers to find the best coverage that meets the needs for the individual seeking insurance.  Not, the coverage that best benefits the provider!


College Sports May Be More Expensive Than You Know…

July 17, 2009

Many college students play on sports teams for a scholarship, fitness, or the pure love of the game. Simply playing a sport is costly within itself. Expenses seem endless to parents footing the bill for training, equipment, rink/ court time, traveling, and everything else that comes with it.

What many college athletes and parents forget to consider are the plausible injuries and medical bills that may result from these sports. Recognizing these expenses the National Collegiate Athletic Association requires universities and colleges to make sure their athletes have insurance before competing. However the NCAA does not specify a certain amount of insurance, only that it is required. 

Many students, athletes or not, remain on their parents insurance, however fail to realize restrictions on them. Some plans exclude varsity sports injuries, out of state or long-distance coverage, and may deny a number of claims. Only those hurt badly enough are eligible to ask for NCAA coverage. This coverage is still very expensive with a $75,000 deductible, that increases to $90,000 after the first year of coverage. 

College athletes should check their coverage before competing on the field, rink, or court. Major medical expenses can run a family bankrupt. Student insurance is very affordable and can save many athletes from unmanageable debt. For all young collegiate athletes… either pray you’re lucky enough to be injury free or find at least minimal insurance.


El Niño Can Affect You and Your Apartment!

July 16, 2009

Changes in global weather called El Niño could be the cause of the increase in the number of hurricanes and the greater chance of storms hitting land.  El Niño affects the entire world ranging from Australia to India and Central America and the United States.  Demographically, many of these storms cause thousands of deaths.  

Hurricanes, cyclones, and other natural disasters cause terrible damages and can cost billions of dollars in repairs.   In a recent study, researchers found that cyclones caused a  total of $40 billion in damages in 2004. The sad truth is that families are left homeless with absolutely nothing and have nowhere to go after these terrible storms.  If people do not have homeowners insurance or renters insurance, repairs can be extremely expensive and almost unaffordable.  It is during this El  Niño season that many should consider getting renters insurance immediately.  Many believe that landlords cover any damages done in your apartment, however this is NOT the case.  Most apartment leases require its renters to pay for any damage done on their property.  

During these fluctuating weather conditions, you must make sure your personal belongings and your apartment are protected!