Vision Insurance: The Importance of Children’s Eye Exams
Most parents understand the importance of dental health and hygiene for children, but they often neglect the importance of vision health. A recent News Flash from Blue Cross Blue Shield of Georgia highlighted this overlooked aspect of children’s health. The following excerpt demonstrates the importance of vision exams: “According to the Vision in Preschoolers Study, the […]
Health Care Reform — How will it affect you?
Well, it finally passed. Whether or not you are pleased with the results, it is time to pay close attention to how to adapt to the changes that will take place. Most of the major changes will not be implemented until 2014, however, there are some significant changes that take place this year. If you […]
Return of Premium Term Life Insurance — Pros and Cons
I am often asked my opinion of Return of Premium life insurance — ROP for short. Like most products on the market, ROP can make sense for some and not for others. When ROP products were first offered several years ago, I heard Clark Howard offer his opinion on the product and I was a […]
Experienced life and health insurance Agents in Georgia
There are lots of knowledgeable, experienced life and health agents in Georgia. However, there are many, many more unexperienced agents in the marketplace. I would venture to guess that the ratio is 1:10 at best. With our current recession and high unemployment rate, there has been a huge influx of people entering the insurance industry. […]
How to Apply for Life and Health Insurance In Georgia
There is not a single “right way” to apply for health or life insurance. Although their are some general guidelines followed by most carriers, each carrier has it’s own set of unique underwriting guidelines. This is why it is very important to apply for coverage with the assistance of a knowledgeable agent. People who apply […]
Insurance “Red Flags” — Buying Health Insurance Online
Recently, I helped a couple in their 60’s navigate through the maze of health insurance options. They are currently on COBRA, but they are moving to Alabama shortly (from Atlanta). After their COBRA coverage expires, they will still have a couple of years before they are eligible for Medicare. A couple of fairly serious pre-existing […]
Term Life or Whole Life Insurance?
Two Categories of Life Insurance Most people make the distinction between two major types of life insurance as Term and Whole Life, but the more accurate terms are: Term and Permanent life insurance. Those are the two broad categories of life insurance; whole life is just one type of permanent life insurance. Sometimes “whole life” and […]
Mortgage Protection Life Insurance in Georgia — Is it Worth Buying?
If you are a homeowner who recently closed on a loan or refinanced a mortgage, then it is likely that you have been inundated with offers for “Mortage Protection” or “Mortgage Life Insurance”. The letters appear official — as if they are sent by your lender — but in 9 out of 10 cases, they […]
Instant Term Life Insurance Quotes — Is Quicker Always Better?
When purchasing life insurance, it is important to determine what is important to you. In today’s fast-paced world, we place a high value on time management and efficiency. If we have a choice of shopping online for a gift or visiting several brick and mortar stores, we quickly see the benefit of the Internet. However, […]
The Right Way to Get Quotes and Apply for Life Insurance
I received an email from a client last year asking me to contact his investment advisor. My client’s investment advisor had referred him to another life insurance agent, but the rates he received were not the same as the rates I quoted him. Below is an excerpt from the email (I was copied on the […]