Why are most people overinsured or underinsured?
One of the reasons is because some of the people selling insurance or advising about life insurance are working their business plan more than listening to or understanding their client. They are trying to make ONE SIZE FITS ALL. This is unethical advise. Beware of anyone who sells a product by telling you everything else is bad and only this one thing is good.
Picture this: you like your tennis shoes, but if you're on a construction site running a jack hammer - would you wear those shoes? Of course not!
Even with something as basic as the type of shoe you wear, there is no one size fits all approach.
But can you imagine, if people were writing articles, doing radio shows or advising customers on which shoe to buy and they told everyone they only ever need tennis shoes - you'd think that's crazy!
Or if you live in Florida and your buddy in Minnesota tells you to buy some snow boots, you (hopefully!) would realize that your friend has different needs than you. Yet this is one of the reasons so many people are confused about life insurance.
At age 25 a person's life insurance needs are different than they will be later on in life. Life insurance has changed over the years. We have studied these changes so we can make appropriate recommendations to our clients. As brokers we can give you a head start in choosing coverage you can afford, if you live or die.
We'll help you find the right fit!
Our business plan is to know you so well that we give our advise and recommendations customized especially for you. We respect you enough to trust that when you are told the truth about life insurance or anything else with full disclosure, you will know what is best for your family.
You may have heard of the annual wellness visit you have access to once you're enrolled in Medicare. This is a preventative service and totally covered under Medicare guidelines - you (potentially) don't have to pay anything! GREAT!
While to a normal person, this would sound almost synonymous with an annual physical, however, it could not be further from the truth according to Medicare. Annual physicals are NOT COVERED by Medicare by law. If you're at what you think is an annual wellness visit and the doctor gives you an EXAM, BLOODWORD, or other TESTS - I'm afraid you're getting a physical, NOT a wellness visit.
Here's the key difference: the annual wellness visit is about PLANNING. They may get height/weight and blood pressure but nothing more! The visit will help you map out decisions and timelines for your health going forward. It's a great thing to utilize if done properly! So, we want you to be able to use this without fear. How do you do this?
1. Make sure you indicate when you set up the appointment (and during confirmation and at the beginning of the appointment) that this is an ANNUAL WELLNESS VISIT covered by Medicare. Those words are your "magic words" so make sure you use them!
2. If you're confused about what services are covered and what you'll pay out of pocket, there are two resources you can use. The first is the billing department of your provider and the second is your agent! We take all questions and can provide answers or support even if the billing staff is not providing the answers you need.
3. Read the article below to get more information about this topic.
Recently MSN published this helpful article called "How to Pick the Best Medicare Supplement Plan." We love this! Especially because #3 on the list is...
TALK TO A BROKER! That's us!
As the article mentions, the great thing about using a broker is that we're basically free for you to use! You pay the same rate on your policy whether you use us or whether you spend all your time:
So you might as well use us!
We love being a resource to our clients and have over 30 years of experience, so we can save you time, money, and stress throughout this process.
Check out the rest of the article through the button below to get some tips or give us a call and get your questions answered!