FAQs
- What should the customer know about your pricing (e.g., discounts, fees)?
Cost of insurance is a complicated mathematical equation. For instance: there are specialist called actuaries whose sole task is to figure out how much an insurer must charge for their product. Things like; height, weight, physical condition, tobacco or alcohol use. There may be a medical exam. Driving record; is there family history of cancer or heart disease. These are some of what is considered depending on the policy you seek. The ONE THING YOU SHOULD KNOW is your adviser does not make pricing or issue insurance. Using propriety software we estimate your premiums based on information you provide. The company reviews your application and the results of your exam and other data to determine the actual premium based on assumed risk.
- What education and/or training do you have that relates to your work?
I renew state licenses every 24 months. That requires certified CE credits. I work in 4 states. Each year I re certify with HIPPA qualifying to write Medicare. I then certify with each Medicare insurer on each of their products, in each State. I certified to write A.C.A. plans during open enrollment. I am contracted with more than 40 insurance carriers. Each mandate product training courses I must pass. Anytime there is a product change, you re test on that product. Additionally there are ethic and legal mandated training I must past and certify. I am contracted with the Health Markets Group as an agency. They also mandate training courses I must certify with on an ongoing basis.
- How did you get started doing this type of work?
This a second career for me, after 23 years as a manager for a manufacturing company. I was laid off within hours of finding I had cancer. My life insurance was gone and I might die. My health insurance was now COBRA at $750/month, and I had no job.. I survived and chose to work for MYSELF helping people avoid the pitfalls I saw as they happened to me. I learned I enjoy working with people.