Medicare Supplement or Medicare Advantage?
For people turning 65 or losing group coverage after the age of 65, Medicare can be a welcome relief. The medical benefits are much stronger (in most cases) and the premiums are relatively low. Medicare Part A (hospital) is free and Part B (medical) is close to $100/month, depending on income. So far, so good. […]
Never Pay More than $100 for Accidents and Injuries
As most people have discovered, a trip to the Emergency Room can be very expensive. However, in a true emergency, most people don’t worry about the cost. Insurance companies do worry about the cost and they discourage policyholders from going to the ER for anything other than a real emergency. As a result, copays are much […]
Life Insurance Ratings Are Important
The financial stability of a life insurance company is very important. When shopping for term life coverage, don’t just look at the lowest cost premium from an insurance company you recognize. Make sure you look at the ratings by A.M. Best, Moody’s and other rating agencies. Consider the Comdex ranking also. The Comdex ranking is a composite of all […]
Business Chronicle
Peachtree Insurance Advisors president Greg Sanders was featured in the Strategies: Ideas for Growing Business section of the March 14-20, 2008 Atlanta Business Chronicle. The article, “Communication leads to best health insurance,” by Deborah Held Maslia and Tom Brinkmoeller discusses the recent trends in employee benefits. “While it’s long been know that health insurance […]
Get the Preferred BEST Life Insurance Rate with Total Cholesterol of 300
Many people have high cholesterol levels, which can increase their risk for heart disease and strokes. Life insurance underwriters have traditionally been unwilling to consider offering the best rates to people with high cholesterol readings. I have had numerous clients with total cholesterol readings well above 220 (the highest acceptable level for many carriers). Many of these clients were advised by […]
Lowering Your Life Insurance Rates
When purchasing a life insurance policy, sometimes the desired result isn’t obtainable. Less than 20% of all applicants qualify for the best underwriting classification. It can be quite upsetting to find out that your rate is substantially higher than what you were originally quoted. However, unfavorable underwriting decisions can often times be challenged — especially in borderline cases. Find out […]
Another Happy Client …
Two weeks ago, I received a call from a financial advisor (CFP) who I knew during my early years in the business. She had heard through other advisors that I was the “go to guy” for health insurance and medicare related questions. This advisor had been working with a medical doctor, attempting to help her with her […]
Doctors often recommend unnecessary procedures
It’s termed “defensive medicine” and doctors admit to practicing medicine in this fashion. The main reason for this style of practice is due to medical malpractice suits. According to an article in Newsweek , “physicians estimate that 35 percent of diagnostic tests they ordered were to avoid lawsuits, as were 19 percent of hospitalizations, 14 percent of […]
Buying Coverage from “Top-tier” Carriers
I received word today that one of the health insurance carriers in Georgia has failed. The company – Imerica – offered very low rates and comprehensive coverage, but it had very weak financials. It is expected that Imerica will be liquidated within the next 30 days. As an independent agent, I received several offers to represent Imerica, […]
Can I Buy Health Insurance if I am not a U.S. Citizen?
Health insurance carriers will offer coverage to those who are not U.S. citizens, but most of them require residency in the U.S. for a certain period of time. The most common requirement is 6 months of living in the U.S. Carriers will often require proof such as rent or mortgage payments, utility payments or employment. A […]