Are you tired of the Health Insurance run- a- round? Does the thought of getting Health Insurance confuse or frustrate you? Make you physically ill? If this is the case, let me put that anxiety to rest and explain the reasons for health insurance and some “must have” benefits.
Health Insurance is a necessary life saving, and asset saving vehicle. If purchased correctly, you can use the money saved for more productive purposes such as: Critical Illness Protection, adequate Life Insurance protection for your family, college funds, retirement plans and investments that provide fixed total returns of 12% to 200%. In other words, design a Health Insurance policy as a Risk Management Tool and NOT a Health Care Plan.
The other factor to explain is why you should use an Independent Insurance Advisor vs. a Health Insurance Agent.
A Health Insurance Agent works for a captive agency or one company and has to sell the same plan to every family. They typically have quotas and are not concerned about the future relationship with you because 90% of the business is lost in the first year. They are also forced to focus on the premium amount and not the benefits offered. Most times, you are paying more for less benefits. How does that make you feel?
An Independent Insurance Advisor has the freedom to match his clients with the right company based on specific needs and budget. Also, your premium is the same whether buying direct or through a broker. Next, you receive service from the insurance company as well as the broker. Lastly, most professional brokers will have a portfolio of products and can only succeed through long term relationships. Numerous times we have saved the client up to 50% off their existing premiums and offered more benefits! Even dental & vision insurance! How would a savings of 50% make you feel?
With all of this said, I would like you to get my short 9 page book that explains in more detail the health insurance game and how to avoid the craziness of health insurance. The book will give you everything you need to make correct decisions in regards to health insurance. To get the book, please email me at: [email protected], or you can go to my web site: [http://www.independentia.com]