Author Archives: admin

Medicare Supplement or Medicare Advantage?

Posted on March 15, 2012 by admin

For people turning 65 or losing group coverage after the age of 65, Medicare can be a welcome relief.  The medical benefits are much stronger (in most cases) and the premiums are relatively low.  Medicare Part A (hospital) is free … Continue reading →

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Free Prescription Drug Cards in Georgia

Posted on March 7, 2011 by admin

Most people have a major medical plan with prescription drug coverage.  So, why would someone want a free Rx card?  Well, it is becoming more common for insurance companies to exclude coverage for pre-existing conditions.  When this happens, the carrier … Continue reading →

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Never Pay More than $100 for Accidents and Injuries

Posted on February 15, 2011 by admin

As most people have discovered, a trip to the Emergency Room can be very expensive.  However, in a true emergency, most people don’t worry about the cost.  Insurance companies do worry about the cost and they discourage policyholders from going to … Continue reading →

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Life Insurance Ratings Are Important

Posted on November 17, 2010 by admin

The financial stability of a life insurance company is very important.  When shopping for term life coverage, don’t just look at the lowest cost premium from an insurance company you recognize.  Make sure you look at the ratings by A.M. … Continue reading →

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Lowering Your Life Insurance Rates

Posted on June 26, 2010 by admin

When purchasing a life insurance policy, sometimes the desired result isn’t obtainable.  Less than 20% of all applicants qualify for the best underwriting classification.  It can be quite upsetting to find out that your rate is substantially higher than what you were originally quoted.  However, … Continue reading →

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Return of Premium Term Life Insurance — Pros and Cons

Posted on February 24, 2010 by admin

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 … Continue reading →

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Experienced life and health insurance Agents in Georgia

Posted on February 22, 2010 by admin

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 … Continue reading →

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How to Apply for Life and Health Insurance In Georgia

Posted on February 19, 2010 by admin

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 … Continue reading →

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Mortgage Protection Life Insurance in Georgia — Is it Worth Buying?

Posted on August 14, 2009 by admin

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 … Continue reading →

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Instant Term Life Insurance Quotes — Is Quicker Always Better?

Posted on August 11, 2009 by admin

                   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 … Continue reading →

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