Do I have Options? So many people are unaware of their potential options, or options for their children and family. Individual coverage is much cheaper than group coverage. Keep in mind carriers fully underwrite individual coverage, and this is what allows the carriers to offer cheaper coverage then that of group coverage. Don't let the thought of fully underwritten scare you, this is one of the top reasons people like you should utilize a good broker. We will do research for you, with all the best carriers prior to any application. This gives us an idea of what carrier and what plan will be best for you. Same with Groups!

How Much Do These Services Cost? These services cost you NOTHING, there are NO hidden fees, NO fee's down the road, nothing, and it in NO way changes your premium amount with the carrier. The carriers have guidelines they have to go buy, going through an agent or going direct you will get the same exact premium. Carriers like to use agents for many reasons, one reason is that the agents can better educate the clients and make sure they are on the best plan for them, thus making happier clients down the road. But the good agents will take it a step further and help you ongoing with any billing, or claim issues, or even just questions. This helps the client with their time so they are not sitting on the phone forever trying to get their questions answered or issues resolved, and in turn helps the carriers so their systems are not so tied up. So the carrier’s pay licensed and contracted agents a commission for these services to you.

Why Myself as Your Agent?  I have been licensed since 2005, and have spent the first three plus years helping take care of an agency that has a very large book of business on the Individual and group side, as well as 32 sub-agents. I have a lot of experience helping the agents as well as the clients in all sorts of areas. I have come across about every billing and claim issue I could think of, and I have been asked about every question you can think of. I enjoy what I do, I like the fact that I am helping Individuals and Groups find coverage that works best for them. But also the detective work, this is what I like to call the billing and claim issues. So all in all this is something I truly enjoy.

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Do I Have Options as an Employer wanting to Offer Coverage to My Employees? Yes you do, many options actually. But for an employer trying to find coverage for his/her company can be very frustrating to say the least. I will give you a complete quote with all the Best carriers. I will walk you through, help you figure out what plan will be best for you. I will help you complete the paperwork, let you know what documents you will need, and walk it through the carrier. After your group is all set up, I help the employer and employees ongoing. Contact me with any questions, billing & claim issues, employee adds, employee terminations, as well as any changes that need to be done. I will submit the paperwork and follow it through verifying it's completion. This free's your time up and allows you and your employees to do what they do best.

How Much Do These Services Cost? These services cost you NOTHING, there are NO hidden fees, NO fee's down the road, nothing, and it in NO way changes your premium amount with the carrier. The carriers have guidelines they have to go buy, going through an agent or going direct you will get the same exact premium. Carriers like to use agents for many reasons, one reason is that the agents can better educate the clients and make sure they are on the best plan for them, thus making happier clients down the road. But only the good agents will help with all the extras I mentioned above!