Author Archives: lifeinsuranceadvice

Get the Preferred BEST Life Insurance Rate with Total Cholesterol of 300

Many people have high cholesterol levels, which can increase their risk for heart disease and strokes.   Life insurance underwriters have traditionally been unwilling to consider offering the best rates to people with high cholesterol readings. I have had numerous clients with total cholesterol readings well … Continue reading

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Have You Been Declined for Health Insurance in Georgia?

Recently, I posted some information about the new Federal High Risk Pool.  At the time,  there wasn’t a lot of detailed information available on the government site, especially concerning rates.  Well, now the rates have been published.    Rather than parphrase … Continue reading

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Federal High Risk Pool — Now Available in Georgia

Over the past couple of months, several people have asked me about the new Federal High Risk Pool that was created by the new health care reform law.  For people in Georgia who have been declined coverage in the individual market … Continue reading

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Another Happy Client …

Two weeks ago, I received a call from a financial advisor (CFP) who I knew during my early years in the business.  She had heard through other advisors that I was the “go to guy” for health insurance and medicare related … Continue reading

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Doctors often recommend unnecessary procedures

It’s termed “defensive medicine” and doctors admit to practicing medicine in this fashion.  The main reason for this style of practice is due to medical malpractice suits.  According to an article in Newsweek , “physicians estimate that 35 percent of diagnostic tests … Continue reading

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Buying Coverage from "Top-tier" Carriers

I received word today that one of the health insurance carriers in Georgia has failed. The company – Imerica – offered very low rates and comprehensive coverage, but it had very weak financials.  It is expected that Imerica will be liquidated … Continue reading

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Can I Buy Health Insurance if I am not a U.S. Citizen?

Health insurance carriers will offer coverage to those who are not U.S. citizens, but most of them require residency in the U.S. for a certain period of time.  The most common requirement is 6 months of living in the U.S.   Carriers … Continue reading

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Vision Insurance: The Importance of Children's Eye Exams

Most parents understand the importance of dental health and hygiene for children, but they often neglect the importance of vision health.   A recent News Flash from Blue Cross Blue Shield of Georgia highlighted this overlooked aspect of children’s health.  The following … Continue reading

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Health Care Reform — How will it affect you?

Well, it finally passed.  Whether or not you are pleased with the results, it is time to pay close attention to how to adapt to the changes that will take place. Most of the major changes will not be implemented … Continue reading

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Insurance "Red Flags" — Buying Health Insurance Online

Recently, I helped a couple in their 60′s navigate through the maze of health insurance options.  They are currently on COBRA, but they are moving to Alabama shortly (from Atlanta).   After  their COBRA coverage expires, they will still have a couple of years … Continue reading

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