The Health Insurance Picture

There are about 410K brokers and agencies in the US with about 911K licensed life and health agents.

Of those, some are licensed in all states, some in most, some in a few, and some in only one.

Some represent lots of companies, some a few, some only one.

Some sell all kinds of insurance, some specialize in a few types, some only one.

Lots of variations.  So, too, variations in competency among agents, agencies and companies.

By statute, agents (aka producers and brokers), who work independent of or within an Agency, are professional credentialed entities.

They are licensed by, appointed by, trained by, certified by, overseen by and disciplined by, the companies they represent, and each State they are licensed within, and the Federal Government.  All of these entities have oversight and charge Agents/Agencies to be lawful and ethical.

The ethical standard, in simple terms, is to fit the insured to the best insurance for them in their circumstances.

However.  As we all know, either intentionally or not intentionally, not everyone behaves to the designated standard.

The local Agent/Agency tends to be lawful and ethical because it's harder to hide.  A local agent is easy to find.  Others not so much.

Your Agent/Agency has Standing which means they can communicate with the company on your behalf.

The value of an Agent/Agency is in their experience in dealing with companies and insurance situations.  A higher level of understanding of insurance complexities and how insurance works. 

Always, by statute, all Agents/Agencies/Companies offer the same products at the same pricing within a locale.  No discounts, no hidden fees.

Always, by statute, all Agents/Agencies offer all of their services at no charge to the beneficiary.  Always.  Companies pay Agents/Agencies to service insureds.

So.  Here I am.  One of many.  Easy to see.  Easy to find.  Easy to contact.  Easy to work with.  Easy to talk with.  No voice menus.  No high pressure, no hidden agendas.  Ordinary Guy.   Should you choose to become my client, I become a local, easily accessible source.  I’ve been in the insurance business for 26 years…the Medicare products business for 15 years.

Should you decide enroll through me, I become your Agent of Record.  You have questions.  I have answers.  Or.  I'll get them for you.  I speak truth.  I do not lie.  I do not misrepresent.  I help.  I educate.  I inform.  I do my best to be a good steward of the industry and a steward of your best interest.  And, as noted above, I work for you, at no cost.  Ever.