With all the talk about health care reform, taking some pointers from this insurance office would reduce costs dramatically for all insurance companies.

According to www.approvedbusiness.co.uk, "Ferndown based commercial insurance specialist Aspire Insurance, have realised an unusual green policy by having zero paper in their office. Managing Director Tristan Webb made the green pledge to go paperless when he started the business after having worked previously for many big Dorset companies and finding his desk was constantly awash with paperwork.

Tristan wanted his business to be unique and so the paperless policy made perfect sense from a green and financial point of view. Documents are e-mailed instead of being posted which not only eliminates postal delays and losses, but also that customers usually have their policy documents within 24 hours.

Modern technology has allowed this business to commit itself to preserving the environment, which is something all businesses can think more about as this is one paper cut that does not hurt."

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Yes, you read it right. A disability insurance policy that you won't have to pay premiums on if you lose your job. It is called ProVider Plus with the Unemployment Waiver of Premium Rider by Berkshire Life Insurance Company of America.

Basically it works like this: If you lose your job you can have your premiums waived up to a year. You will still have the full benefits of your disability policy during that time. This is a great deal if you plan to buy a disability insurance policy and is available in all states except New York and Vermont.

Want a way to understand and keep up with the health care reform process? The "Health Care Reform List" sticks with quick facts and headlines about the health care reform process to keep you informed, but at the same time not too much to overwhelm you.

Updated regularly, it will keep you "in the know" about the health care reform process with easy to read and understand listings of main ideas and facts about the health care reform process.