So how is getting a quote from me different from other agents? First, I don’t sell my client’s information to anyone. When I give you a quote, no one else will call you, probably not even me. I figure if you have questions, you will contact me when you have a chance. Second, I don’t hound people because that is not the way I want to be treated. Finally, I’m not going to try and up-sell you on more expensive of ancillary products.
Consumers should be cautious when a health insurance agent wants to bundle a bunch of other products such as life and accident insurance with the Covered California health plan. These agents and marketing organizations are more interested in selling higher commission products such as life, accident, cancer, stroke, heart attack, and dental plans than they are health insurance. They may try to convince a consumer to drop the health plan to a Bronze level so they can sell questionable indemnity plan products as extra protection for the higher deductible.
People who are HIV positive are living longer and leading healthy and fulfilling lives because of advances in drug therapies to control the disease. The life insurance industry has taken note and has started to offer life insurance products to those living with HIV. The life insurance rates for people with HIV are actually reasonable for some income levels.
My first memory of the prolonged itching sensation on my arms and neck was during a summer school biology course when I was 14 years old. The distraction of constantly wanting to scratch while trying to focus on cutting up a frog was pure torture. This seemingly random condition, for which no other friend or family member suffered, would follow me through young adulthood and on into middle age.
These are pictures I took of life as we walked from the Bart Embarcadero station to Fort Point under the Golden Gate Bridge.
Life insurance sales people are very good at calculating the astronomical amount of life insurance you should buy and all the good reasons for the purchase.
California Department of Insurance, along with several states, announced a settlement with Nationwide companies to pay old unclaimed life insurance benefits to the states and reform its business practices.
The quality of one’s life is not altered by the state in which the person resides. Neither the victim nor the perpetrator is any less of a human being by living in one state over another.
Hospital indemnity insurance is just one of the products that are fraudulently marketed as real health insurance. These indemnity plans are specifically targeting people with pre-existing conditions.
My “fire in the belly”, as sales professionals call it, has been extinguished. I’ll stick to what makes the passion bubble inside of me which is helping and educating people.