| Home > Products > Personal > Life & Health
Our personal lines health and life insurance department offers a wide range of life, medical, dental and disability insurance products to satisfy your needs. We selected the top carriers and match you with their best products, according to your needs and your budget.
We focus on you. We help you achieve financial security and manage financial risk. Our unique approach is implemented in four steps.
- Comprehensive Needs Analysis:
To establish each client's financial and insurance objective.
To identify client's financial risk and quantify the potential
financial loss.
- Products Selection:
To select products which will be able to achieve client's objective.
To select company base on their rating, cost base and performance history.
- Underwriting Management:
Case process management included financial analysis, physical exam,
underwriter communication and class approval.
- Account Management:
Client annual evaluation, review and update.
Annual statement analysis.
Claim services.
The basics
The purpose of insurance is to provide protection from potentially large financial losses. Whether you're looking at health, dental, disability or long-term care, your health insurance agent or broker will help you identify the benefit products that will satisfy your needs or the needs of your company. They not only look out for your bottom line, they work to make sure you get your money's worth.
Expertise matters
Professional health insurance agents and brokers provide the expertise you need to make the right choices and can help you find the best plan for your particular needs.
They are experts who:
- know the market—the best products from the merely adequate
- know the law—state and federal regulations can expose your business to serious liabilities
- know the industry—by completing continuing education courses.
Your health insurance agent will help you:
- review your unique needs—for you or your employees
- learn about carriers and products that can satisfy your specific concerns
- ease the burden on your time by doing the "legwork" for you
- get the most from your coverage after you've bought it.
Where to turn
The country's best insurance agents and brokers belong to the National Association of Health Underwriters, an organization founded in 1930. NAHU members embrace a strict code of ethics and constantly seek to improve their knowledge of health insurance regulations and products through continuous education. Ask the agent with whom you are dealing whether she is a member of NAHU.
|
Life & Health
