Learn more specifically, about Benefits, Health and Life below:
Small Group Health:ProActive weclomes your small group business, starting at just ONE employee. While other insurance agencies tend to consider small accounts unprofitable and turn away from them, ProActive is committed to helping everyone obtain vital insurance protection, without regard to the size of your premium. That's how we measure profitability.
Large Group Health: Large Group should be "shopped" every year or two. The limited number of large group carriers in Florida diminishes the competitive market, consequenlty, group carriers feel much more confident in raising rates dramatically on an annual basis. These aggressive increases, generally trend to show that alternating carriers have lowest rates each year. Almost as if the Large Group market is "churning" clients from one carrier to the next, due to "revolving premiums". Don't be left with the HIGH PREMIUM carrier. Allow ProActive to shop your large group to obtain the low premium bidder. NOTE: Group Health is guaranteed issue. You don't have to worry about "pre-existing" conditions or claims. This State & Federal regulation was designed to allow GROUP INSURANCE customers the ability to SHOP WITHOUT PENALTY.
Self Funded Group: May provide the mechanism for substantial premium reduction regarding your group health insurance program. ProActive will help you make a prudent decision by comparing this option to traditional group health.
Mini-Med: Provides a creative and effective means to substantially reduce group health costs to your employees, while providing them with tangible health insurance benefits. Many employers, your competitors, are opting for this program.
Individual Health: If group coverage is not available to you via your employer, you must purchase an individual "Major Medical" health insurance policy. I can help make this, absolutely necessary coverage, affordable for you and/or your family. Your physical and financial health are absolutely at stake. You know a major illness or injury will generate Tens or Hundreds of Thousands of Dollars in medical bills. The doctors, outpatient facilities and hospitals WILL bill you. They WILL send you to collection and destroy your good credit standing. They CAN take you to court. They CAN force you to reliquish most assets ie: rental property, more liquid savings like CD's, etc. They CAN put a judgement on your Florida Homesteaded Home. I have met families that have had to delcare BANKRUPCY due to major illness or injury. Sadly, medical bills are one of the leading causes of bankruptcy in our country.
ALL OF THIS CAN BE AVOIDED BY PURCHASING REAL, "MAJOR MEDICAL" HEALTH INSURANCE!
I can help make it affordable for you and your family.
PLEASE BEWARE of inferior health "plans" that are not "MAJOR MEDICALS". Inferior health "plans" DO NOT provide MAJOR MEDICAL protection and can leave you responsible for Tens or Hundreds of Thousands in denied bills. These inferior plans often require "riders", or "options" for increased coverage. They often subject your coverage to a complicated and confusing "schedule of benefits". These inferior plans are sold at comparable pricing or more than a true "Major Medical". Only a "Major Medical" will provide realistic benefit for todays extremely expensive medical procedures and keep you from enourmouse financial debt.
ALSO, buy your insurance from a local, stable, property owning, licenesed & insured professional! Many times the sellers of inferior health insurance temporarily set up shop, rent an apartment for a year or two, sell thier inferior (high commission) plans then move on to another locale. Don't be taken advantage of by this inscrupulous ploy.
HSA: Hurray for the HSA! A "Health Savings Account" offers, true "Major Medical" protection with Substantial Tax and Financial Inducements to make "major medical" protection affordable. I can help you determine if an HSA is right for you and your family.
High Deductible: Another great option to make "Major Medical protection affordable. You take care of the minor medical bills, the insurance company takes care of your Major Medical bills keeping you and your financial possition in good health.
Life insurance is the financial foundation and security for most families and businesses. It extols the virtues of Prudence, Responsibility and Love. We take our job as Life Insurance professionals very seriously. We will advise you ethically, completely and make life insurance affordable for you, your family or your business...
TERM LIFE: We recommend Term Life for most applications. 20 & 30 year "level premium" term products are very affordable and effective.
I offer LOCAL Service, Claims Management and Ethical Financial Advice for you and your family. You can't get that from: