Spring 2008

President’s Message
By John Rippinger
CLU, ChFC, CFP™, LUTCF, RHU, REBC, RFC, LTCP

Wow, 2008 is shaping up to be a very tumultuous year with the presidential elections, the possibility of a recession, oil prices at over $100 a barrel and war in Iraq still going on. That being said, it reinforces the fact that we, as insurance brokers, have great opportunities with our prospects and clients. They need the products and services that we provide more in times like this than ever before. They are feeling less secure with the promises that our government is making and, in fact, are going to have to rely on their own savings in the future. full article

Using Short Term Medical Insurance to Bridge the Gap
By Mike Kuchar, Product Representative

• Between Jobs…
• Lower cost alternative to COBRA or State Continuation…
• Children ceasing to meet the definition of an eligible dependent on their parent’s policy…
• Waiting for Group Coverage to start…

All good reasons to consider a Short Term Medical (“STM”) policy!
full article

Normally I leave these type topics up to the service area to promote, discuss, and educate, but as of late this topic has even reached the point that it has caught my attention on a widespread basis. As I evaluated the types of questions/service calls we received in our service area, I noticed that a great deal of the questions/problems could have been avoided if the broker on the case had only persuaded the customer to enroll in BlueAccess for Employers and then set up the broker as a “delegated user”. full article

As a true Brokerage agency, every day we present our producers with multiple options to solve a client’s personal insurance problem. Whether the solution is Whole Life, Universal Life, Term, LTCI, DI, or Annuities, our business model delivers a variety of unbiased choices from over 40 carriers for our producers to choose. BUT how do you make that choice? full article