Articles written by Thomas Purcell

Where Knowledge Rules

What is Helium

About me - Thomas Purcell

Hi there!

My name is Thomas Purcell, President of Lotus Professional Services a health and life insurance consulting service based out of Scottsdale, AZ. After 13 years in the insurance business I try to provide unbiased opinions about what the insurance industry

+ more bio information

RSS Feed

Politics, News & Issues > Politics in the Middle & Near East Should America attack Iran?: 10 of 66
This week another 75 or so terrorists are being released from Gitmo, to various places around the globe, in another attempt to appease Islamic extremists, under the cover of 'not enough evidence' despite many of them being captured literally in the act of planting explosives or terrorist acts. Many of them are being released... More..
Politics, News & Issues > Politics, News & Issues (Other) Should the federal government give assistance to American auto makers?: 3 of 17
I was reading the other day about what cars are still selling for GM. Turns out it's Cadillacs, big GMC trucks, the new Camaros, and ultra high performance and specialty Corvettes. In some models, they are getting over sticker for these cars. Now, to hear the Administration tell it, you would think these were the cars that p... More..
Personal Finance > Health Insurance Tips for buying an individual health insurance policy: 1 of 5
There are three major elements to consider when purchasing an individual health insurance policy. The first is the deductible, the second is the coinsurance and the third is what is covered and what is excluded. 1. Deductible- This is the first dollar out of your pocket when paying for your health care. The insurance company... More..
Creative Writing > Novel Excerpts Novel excerpts: Romance & destruction: 1 of 4
The coffee felt warm in his hands as he looking into the double mirrored glass from his chair in the lab. On a cold Chicago morning there was simply something deeply satisfying about a warm cup of coffee in your hands- even if he was in a warmly heated lab room. Lab rooms were kind of like that too, cold and not very endeari... More..
Personal Finance > Life Insurance Pros and cons of whole life insurance: 1 of 4
Whole life or permanent insurance comes in various forms. It is neither the worst policy nor the best policy for all people- it is simply another variety of life insurance that can be selected to protect your family. Let's look at some of the different types and their strengths and weaknesses. First off, true 'whole life' po... More..
Health & Fitness > General Health (Other) Should the government pay for basic health care?: 2 of 6
In these times of governmental policy shifting to the left, I think it is time we all set the record straight about what our country is all about. The recent moves toward socialization of our health care system, the increased burden of taxation, and the dismantling of our financial and industrial base, have been justified as... More..
Personal Finance > Life Insurance Do all life insurance companies require a physical exam?: 1 of 3
Life insurance companies do not always require a physical exam. Let's look at the options. 1. No exam, no tests- These are called "Guaranteed Issue" policies and often are purchased by people uninsurable by any other means. In almost every case the face amount is limited (typically 25-35k) and the policy does not pay a claim... More..
Arts & Humanities > Political Philosophy Capitalism vs. Socialism: Which do you prefer?: 7 of 19
One of the things that disturbs me most of late, is the wanton hatred and disregard in this country for the economic system known as Capitalism. Coming from the White House these days, and bombarded from the left media, seems to be a plethora of articles about how bad capitalism is for America, that capitalism is somehow evi... More..
Personal Finance > Life Insurance How to avoid paying too much for life insurance: 4 of 9
Life insurance is a product designed to replace lost income in the event of a premature death. Policies come in a variety of different types and prices and can be complex financial decision, and one that should not be chosen hastily. Life insurance is primarily essential when one or more loved ones are dependant upon your in... More..
Personal Finance > Life Insurance Permanent life insurance explained: 1 of 2
Permanent life insurance comes in a variety of types but essentially they all do the same thing, and that is cover a person from date of purchase to date of death with death benefit. The reason you purchase thse policies- in the pureset sense- is to make a higher premium now, in an effort to make a lower premium later in lif... More..