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disability insurance

Meet Ana St Louis of Living Legacy Financial Group Inc.

ana

Ana St Louis operates out of her Dracut, MA office as a specialist in Life Insurance, Disabilty Insurance and Long Term Care Insurance. She will work with you to identify the right strategies to achieve and protect your goals and your dreams.

Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. A strategy can include personal insurance, liability insurance, and life insurance. 

Do you have a strategy? Ana is waiting for your call so she can help.

Contact Ana: Phone 978-995-3338 | Email ana_st_louis@glic.com

Friends of Kevin Guest Blog Post from Brett Brunault - Are you making the most of your health insurance plan?

Are you making the most of your health insurance plan?

 

This country is changing drastically over the course of the next two years in relation to health care reform.   Many people are confused about health care reform and what it entails regarding regulations and what this means for their given situation.  Health insurance brokers have and will be a guiding light to individuals and small businesses owners who need answers on where we are headed and what options exist amongst this change. 

Brokers are independent, sell for multiple companies, offer many options, and are typically paid on commission by insurance companies not the consumer.  Brokers can typically offer a more vast benefits package in comparison to a captive agent who works directly for only one insurance company, and therefore may be limited in what they can offer. Brokers can help the group and non-group markets in terms of sorting through plans offered by various carriers as well as identify potential cost savings programs in which clients may be eligible. 

Many people take the burden of identifying the appropriate health care plan on themselves by spending endless hours online conducting research and could benefit from some professional guidance.  Independent brokers commonly work non-traditional business hours, and therefore can serve as valuable in meeting the busy business owner on evenings or weekends.   They can identify useful benefits including potential fitness, yoga, and diet reimbursement programs, as well as preventative dental offerings within the plans available that may suit the individual client’s lifestyle that they would not have realized without them.  In addition to the flexibility of reaching your broker outside of a 9-5 atmosphere, they can keep you up to date with changes in the laws especially around health care reform and identify opportunities in an ever changing environment. 

A common mistake people make is choosing their property and casualty agent to make their health care plan decisions.  There is a lot more servicing of clients involved in the property casualty market in which would take up a considerable amount of that agent’s time and attention.  An important thing to remember is that liability insurance and health insurance are two different markets with many different rules and regulations to follow.  It would be wise to make sure that that agent is fully knowledgeable on the health market and not simply writing the policy as a courtesy.  With this difference in mind would you trust your plumber to fix an electrical issue you are experiencing?

Overall, with health insurance commonly rated as the second largest monthly expense, next to a mortgage, wouldn’t you want to make sure that you are making an informed decision in relation to that expense?  Working with a professional who specializes in the field is imperative to making the best decisions and utilizing opportunities as they arise.  If you or someone you know wants to review your benefits at any time to ensure that you are properly placed and getting the most out of your health plan feel free to call me.  603 303 3712.

Brett Brunault – Licensed Health and Life Insurance Broker MA & NH