My goal is to be able to help anyone who comes to me with a problem regarding health insurance.  The US has an insanely inefficient health insurance system designed to make a few people rich and frustrate the many.  To have good coverage requires quilting together policies from various insurers that will provide what people need for the most reasonable cost possible.

I’m finally there in terms of having the pieces that I need to be able to do that. First, I’m licensed in New Jersey, Pennsylvania, Missouri, and Virginia, and will be shortly in Illinois.

Second, yes, I still represent Aflac, a company that I respect.  However, Aflac only provides policies in New Jersey for employee groups; the offerings for individuals are highly limited.  The product line is better in some other states, but not perfect.

Aflac really excels in four areas:

• Short term disability
• Accident
• Cancer
• Critical illness

I’ve added Mutual of Omaha and RSLI for long term disability and long term care,  both riders on life insurance.

I’ve added Delta Dental for employee groups and Ameritas dental for individuals and families.  Delta only offers policies for employee groups in most states through agents and policies for individuals online.  Ameritas matches Delta benefits at a lower cost than Delta charges for individuals.

I’ve added VSP for vision.

I’ve added United American for Medicare Supplement policies.

I can add to the array as needed, but what I have gives me the ability to pick and choose the best policies for each individual client.  That’s what I’ve always wanted.

I figure if I do well for each client, they’ll refer others to me.  I’ve never needed the DOL rule to guide my conduct — I’ve always put the client’s needs first.  It’s all about “Doing well by doing good” and “Givers gain”.