Most people prefer to get their insurance from their employer

But not everyone can.  This can occur because not all employers offer employee benefits, some employers offer benefit packages but maybe not everything you need.  Truth is, most minimum wage jobs are the ones that don’t offer benefits at all mostly due to high turnover of employees; the restaurant industry is notorious for this.  The food industry makes up 10% of the United States workforce.  That’s a lot of individuals that may not be able to get insurance through their employer.

That’s why the insurance industry offers single payer insurance options for most or all of the insurance products.  In 2008 when the ACA (Affordable Care Act) was implemented by Congress and signed into law by President Obama, it allowed health insurance to be single payer through the marketplace.  Two common reasons individuals choose to purchase insurance outside of their work.  The first, because they may have benefits from work but they want to fill gaps that their benefits package doesn’t offer.  The second, benefits aren’t offered through their employment.

When you retire or should you lose your job, you also lose your benefit package.  Cobra only works for health insurance.

The retirement age in America is 66 if you were born between 1943 and 1954.  Its 67 for those born in 1960 or later.  This means when your term life insurance through your employment ends, will be when you are 66 or older.

Individual insurance policies are generally impacted by two factors: age and health.  Both factors can cause an individual to become uninsurable.  Age will impact the premium even if you are healthy and a non-smoker and health also impacts the policy’s premium.  The key to affordable insurance is to get it when you are YOUNGER AND HEALTHY.  Insurance premiums for someone say 25 will be more affordable than  someone who is 50.  Once you get sick with something chronic or become disabled the policy will always be higher or denied if you didn’t have coverage prior.  This is why it’s a good practice to purchase insurance in addition to your group insurance.  You can have more than one life policy.

Products we offer:  Fixed Whole Life, Variable Whole Life, Universal Life, Term Life, Final Expense (A.K.A – Guaranteed Issue Life).  We also offer Gerber’s Grow Up Life Plan.  This plan is whole life for your child.  A child is eligible for the Grow Up Plan starting at 14 days and can be purchased till they reach 14 years old.  At the age of 18, the policy doubles in benefit value but the premium remains the same.  Premiums never increase for the life of the policy.  The Grow Up Life Plan will remain in effect, as long as the premium is paid till the last day before their 101st birthday.

Undoubtedly our freedom is probably the most important part of lives as Americans.  Our identity as an individual to live free is the second most important thing we people are granted at birth.  So what if those become compromised?  Unfortunately this happens everyday.  People find themselves on the wrong side of the law or they find themselves victims of identity theft that can financially ruin anyone.  What do you do?  Lawyers are expensive, even for consulting it can be a few hundred dollars.  That’s where LegalShield and IDShield comes in.

LegalShield puts a lawyer in the palm of your hand 24/7 who can help with criminal issues or if you just need someone to review a contract.  You can create a will for $50.00 and/or a trust for $250.00.  That will give all of us a peace of mind and the price is AFFORDABLE at less than $50.00/mo.

IDShield is becoming even more important as we go digital and rely on computers for shopping, banking and more.  If your identity is stolen even once, you can lose thousands from your credit cards and bank accounts.  Hiring someone to get your identity back can cost just as much.  IDShield allows the subscriber to protect their e mail, bank accounts, credit cards and even their gaming accounts.  Should your info become compromised, IDShield will help you every step of the way and cover costs in the loss.  The best part is the cost of IDShield, which is less than $20.00/mo.

You don’t have to buy insurance to get these products.  I will sit down with you, sign you up and get you on your way with a peace of mind you are protected and have professionals in your hand 24/7.