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Is Your Client Getting The Best Bang For Their Buck?

The true sign of a good agent is always putting your client first. We are in this business for the client, after all. Making sure the client gets the best coverage they can afford should always be your top priority. Here are a couple of tips to make sure your client is getting the best bang for their buck when it comes to their health policy.

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Is the ACA Worth Discussing Anymore?

Seems like an easy question that could simply be answered with a yes or no answer, right? However, the answer depends on who you are: a consumer, a politician, or a health insurance agent.

The consumer must believe the Affordable Care Act is relevant. About 20 million more Americans now have health insurance than before the law was enacted in 2010. During the last enrollment period 12.7 million signed up, almost 40 percent of those being newcomers. Plus, the ACA still requires people to own a plan to avoid having to pay a penalty - a fee called the “individual shared responsibility payment.” Click here for more details on penalties on penalties.

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The Rising Popularity of Gap Plans

 Financial security is a top priority for families all over the country. Although many people plan ahead and purchase life insurance in case the primary breadwinner of the household dies, many do not consider the financial impact of a critical illness or accident on a family's finances. In 3 out of 5 cases of bankruptcy, medical bills are responsible for a family's financial crisis. Although supplemental insurance is well known amongst insurance professionals, many clients have never heard of plans that can protect them from the financial risks of a medical emergency.

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