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Small companies can save like the big ones …
Many, if not most, large companies self-insure or partially self-insure their companies health plans.
Did you know that even small companies can do this? Here are some of the benefits:
Plan design is mostly up to the employer.
It is not a major concern what the total potential exposure is, as you can still insure the company against [...]
But I never get sick …
Sometimes I have people tell me, I don’t get sick. Well, some people just don’t get sick … until they do.
For these people I often recommend a high deductible health plan. Then they are covered if and when they do get sick.
But some people, although they “don’t get sick” worry about accidents.
For these ones, I [...]
What can I do for you?
Friends,
There are a lot of insurance agencies with websites up. All of them can and will sell you insurance. Why should you do business with me?
Let me tell you a little about myself. I kind of fell into this business. I was a project manager for a small to midsize General Contractor in Stockton CA. [...]
So … what’s important to you?
As an agent, I get an incredible amount of email regarding legislation, proposed legislation, and people trying to get legislation introduced that will affect the cost of health insurance that you and I pay for!
The only thing clear to me is that nothing is clear. It seems to me that few of these people even [...]
So how does the mortgage crisis affect your insurance rates?
Just a small article to explain how this works. My comments have to do with long term disability insurance.
Although this is not a hard and fast rule, it works something like this …
For every 1% drop in interest rates, insurance may go up by about 4%. Why is this?
Long Term Disability Insurance is to insure [...]
