This document discusses the dangers of being uninsured or underinsured. It notes that 137,000 people died between 2000-2006 due to being uninsured and delaying or forgoing needed medical care. Nearly 1.3 million full-time workers lost health insurance in 2006. Small business employees and the self-employed pay more for health insurance and have higher financial risks if they lack coverage. The number of uninsured and underinsured Americans has increased substantially in recent years. Being uninsured or underinsured can result in medical debt, bankruptcy, and even death due to delayed or forgone medical care.
What you don't know about your health insurance can kill you!guest3ccc53
Poor health insurance choices are endangering lives and lifestyles. According to studies, 137,000 people died between 2000-2006 due to being uninsured and delaying or forgoing needed medical care. Additionally, nearly 1.3 million full-time workers lost health insurance in 2006. Having inadequate or no health insurance can result in financial ruin due to medical debt and bankruptcy, as well as worse health outcomes and even death. Selecting the wrong insurance agent and obtaining substandard coverage can mean not being able to afford basic necessities or taking on credit card debt to pay medical bills.
Wall Street Journal- Growing Appeal Of Disability Insurancegreglarge
Disability insurance sales are rising as more affordable "guaranteed renewable" policies become popular. These policies are growing at 8% annually and allow employers to offer private disability coverage to workers for 20% less than individual policies. While these policies provide less protection than older noncancelable policies, they are significantly cheaper. The growing appeal also stems from more employers offering private disability plans to workers and rising disability rates as the workforce ages and lives longer with chronic illnesses.
An independent insurance broker can offer physicians a variety of individual disability insurance options to protect their income in case they are unable to work due to accident or illness. As brokers represent multiple insurers, they can customize a plan with important features like own occupation definition of disability, cost of living adjustments, and mental health coverage. Disability insurance is important for physicians given statistics that nearly 3 in 10 20-year-olds will become disabled before age 67 and over 1 in 5 workers will have a long-term disability during their career. Meeting with a broker can help review coverage needs and identify discounts for optimal income protection.
The survey found that:
1) Nearly half of HR professionals indicated an overall lack of funds was the biggest financial challenge for employees. Medical expenses and saving for retirement were also commonly cited challenges.
2) Most HR professionals agreed that employees were more likely to dip into retirement savings in recent years compared to before.
3) The majority of HR professionals believed personal financial issues impacted employee performance, especially in areas like focus and stress.
4) While over half of organizations provided financial education, this was lower than in 2009. Larger organizations were more likely to offer it than smaller ones. Cost and lack of interest were the primary barriers.
An analysis of the Indian Cashless Health Insurance Industry identifying the key structural deficiencies leading to a situation of distrust between parties involved. The study as a part of IIM, Indore’s Consulting competition, Chanakya, organized in association with Cognizant also proposes solutions for resolving the present imbroglio between the service providers and insurance companies.
Deze presentatie laat zien hoe je als journalist Twitter kunt gebruiken om bronnen en nieuws te zoeken en te vinden. Daarnaast passeren ook een aantal handige tools de revue.
What you don't know about your health insurance can kill you!guest3ccc53
Poor health insurance choices are endangering lives and lifestyles. According to studies, 137,000 people died between 2000-2006 due to being uninsured and delaying or forgoing needed medical care. Additionally, nearly 1.3 million full-time workers lost health insurance in 2006. Having inadequate or no health insurance can result in financial ruin due to medical debt and bankruptcy, as well as worse health outcomes and even death. Selecting the wrong insurance agent and obtaining substandard coverage can mean not being able to afford basic necessities or taking on credit card debt to pay medical bills.
Wall Street Journal- Growing Appeal Of Disability Insurancegreglarge
Disability insurance sales are rising as more affordable "guaranteed renewable" policies become popular. These policies are growing at 8% annually and allow employers to offer private disability coverage to workers for 20% less than individual policies. While these policies provide less protection than older noncancelable policies, they are significantly cheaper. The growing appeal also stems from more employers offering private disability plans to workers and rising disability rates as the workforce ages and lives longer with chronic illnesses.
An independent insurance broker can offer physicians a variety of individual disability insurance options to protect their income in case they are unable to work due to accident or illness. As brokers represent multiple insurers, they can customize a plan with important features like own occupation definition of disability, cost of living adjustments, and mental health coverage. Disability insurance is important for physicians given statistics that nearly 3 in 10 20-year-olds will become disabled before age 67 and over 1 in 5 workers will have a long-term disability during their career. Meeting with a broker can help review coverage needs and identify discounts for optimal income protection.
The survey found that:
1) Nearly half of HR professionals indicated an overall lack of funds was the biggest financial challenge for employees. Medical expenses and saving for retirement were also commonly cited challenges.
2) Most HR professionals agreed that employees were more likely to dip into retirement savings in recent years compared to before.
3) The majority of HR professionals believed personal financial issues impacted employee performance, especially in areas like focus and stress.
4) While over half of organizations provided financial education, this was lower than in 2009. Larger organizations were more likely to offer it than smaller ones. Cost and lack of interest were the primary barriers.
An analysis of the Indian Cashless Health Insurance Industry identifying the key structural deficiencies leading to a situation of distrust between parties involved. The study as a part of IIM, Indore’s Consulting competition, Chanakya, organized in association with Cognizant also proposes solutions for resolving the present imbroglio between the service providers and insurance companies.
Deze presentatie laat zien hoe je als journalist Twitter kunt gebruiken om bronnen en nieuws te zoeken en te vinden. Daarnaast passeren ook een aantal handige tools de revue.
This document summarizes Julien Bontempi's experience as a co-founder of MoRunning, a fundraising channel he created for Movember charity through a series of running events in the UK and Ireland from 2009-2015. During his time with MoRunning, he helped grow Facebook and Twitter communities to 20,000 members and raise £900,000 for Movember. In 2014 alone, MoRunning generated £300,000 in revenue from race entries and merchandising. His responsibilities included digital strategy, event branding, campaign delivery, and managing both online and offline marketing activities.
The document provides descriptions of various cities and regions in Cyprus, highlighting natural attractions, history, and culture. It promotes Cyprus as a destination with naturally beautiful landscapes across the island, including beaches, forests, mountains, and historical sites dating back to ancient civilizations. Visitors can enjoy outdoor activities like hiking trails, as well as experience local culture and cuisine in villages. Contact information is provided to find more recommendations for traveling to different parts of Cyprus.
Brief look at data segmenting decisions and use of Semantic Web technologies within Anzo. Presented at the 2011 W3C Linked Enterprise Data Patterns workshop.
The document discusses the four regions of Texas - Coastal Plain, Great Plains, Central Texas, and Far West Texas. It describes an activity where students are divided into groups and assigned to research one region, focusing on its geography, climate, resources, and economy. The groups then present their findings and recommend which region would be best to settle a colony, considering factors like population and available resources.
This document outlines a history lesson plan that explores bias and point of view in primary and secondary sources. The lesson includes activities where students analyze paintings depicting Columbus and the Spanish arrival in the Americas to identify bias. Students then participate in a "RAFT" writing activity where they adopt different roles, audiences, formats and topics to practice writing from various perspectives. Their work is shared and feedback is provided. Finally, students reflect on how an author's bias can influence the creation of sources and how point of view shapes interpretations.
The document outlines a history lesson plan that uses various visual analysis techniques. It introduces the OPTICS framework for analyzing images, which focuses on objects, people, titles, inferences, conclusions, and symbols. Students will apply this framework to analyze a painting and political cartoons. They will then partner up to use OPTICS to examine a cartoon and present their findings to the class, after which their presentation will be evaluated using a rubric. The lesson emphasizes the importance of images as historical sources and how to critically examine them.
Intro to the Semantic Web Landscape - 2011LeeFeigenbaum
An introduction to the Semantic Web landscape as it stands near the end of 2011. Includes an introduction to the core technologies in the Semantic Web technology stack.
This material was presented at the November, 2011, Cambridge Semantic Web meetup.
This document discusses various multimedia tools that can be integrated into the classroom, including tools for creating comics, digital storytelling, presentations, e-books, and speaking avatars. It provides the websites and brief descriptions of popular comic creation tools like Kerpoof and Toondoo that allow students to create digital comics. It also outlines digital storytelling tools such as StoryBird and VoiceThread that enable students to incorporate visuals and audio into multimedia presentations. Additionally, it mentions presentation software like Prezi, as well as e-book creation platforms like Book Builder and Bookemon. Finally, it discusses Voki, a tool for developing personalized speaking avatars.
This is my presentation at the 2009 COSAC Security Conference on Cloud Computing. Here is the abstract:
One way or another, cloud computing seems determined to be on your radar. Whether it's your CXO, your customers or even your staff, someone is either going to be asking you about it, doing it, or trying to keep you from knowing they're doing it. You can't afford not to be prepared and understand not only the fundamentals and current definitions of cloud computing, but you also need to be able to get beyond the buzzwords, the hype and the fear, uncertainty and doubt (FUD) presented everwhere from the Wall Street Journal to trade magazines to vendor brochures.
This session will provide a brief overview of the current cloud computing landscape, including:
* The different definitions and approaches
* The claimed business benefits and opportunities
* The most touted security issues and risks
Following this introduction, we will examine the potential business value, opportunities and risks in more detail to identify the ones that are likely to have a real impact on your organisation. After this session, you should be able to understand:
* The relationship between cloud computing, virtualisation, Software as a Service (SaaS), SOA and other types of outsourced services
* Whether cloud computing is a real option for your organisation
* The unique information assurance and security challenges posed by cloud computing
* What you can do to prepare yourself and your organisation for evaluating, deploying and leveraging cloud computing services
Radio has been part of American families since 1906 and continues to be an important part of daily life. It reaches over 30 million streaming listeners per week and over 92% of radio listeners are retained during commercial breaks, showing how receptive the medium is. Radio provides targeted advertising opportunities through various station formats and audio neighborhoods to effectively reach customers. It is an affordable and immediate advertising option that can increase sales due to its high weekly reach of over 93% and ability to form strong emotional bonds with listeners.
Thomas Guzzi has over 15 years of experience working as a graphic artist, with skills in illustration, advertising design, and interactive web development. His portfolio showcases samples of his work in these areas, including his ability to conceptualize ideas and draw them beautifully, experience providing interactive assets for online clients, and designing advertising campaigns while photo retouching and laying out production materials.
A Voki is an animated avatar that can be used to communicate through voice. Users can create their own Voki avatar by registering for a free account on the Voki website, then customizing the character, choosing a voice, background, and player color before publishing the avatar. Vokis allow students to create speaking assessments or communicate outside the classroom through an animated character they design.
The Champion Strategy: Why Didn't I Hear From You?!Brian Massey
Why didn't I hear from you? If you applied for a job recently, why didn't you ask me if I knew someone at the company. The only good reason is that you already had a champion who was helping you land the interview. Otherwise, you're missing out. If you want the interview you have to have some connection to the hiring manager. It isn't as hard as it sounds.
This document lists several European absolute monarchs from the 16th-18th centuries including Philip II of Spain who ruled from 1520-1566, Louis XIV of France who ruled from 1638-1715, Maria Theresa of Austria who ruled from 1717-1780, Peter the Great of Russia who ruled from 1672-1775, Catherine the Great of Russia who ruled from 1729-1796, Fredrick II of Prussia who ruled from 1740-1786, James I of England who ruled from 1566-1625, and Charles I of England who ruled from 1625-1649.
Our film was a sports comedy thriller that took elements from films like Cool Runnings and Donnie Darko. The main character wore green to represent good, while the mysterious bully wore red to represent evil. The film represented different social groups through clothing and movements. We aimed our film at teenage males and older audiences, using relatable characters, humor, action, and a mysterious bully character. We learned many filmmaking and editing skills during the process of creating the film. Music and character design were used to attract our target demographic. More planning was done for the main task compared to the preliminary task.
Voluntary insurance plans can help employers satisfy competing priorities around benefits at no direct cost. They accomplish this by creating a more attractive benefits package in the face of rising healthcare costs and competition for talent. Voluntary insurance is 100% employee-paid and can include policies for accident, cancer, dental, life, and other supplemental coverage. It helps address challenges from both the employer and employee perspective by supplementing core benefits and providing cash benefits to help cover out-of-pocket medical costs. More than half of US employers offer voluntary insurance as it helps look after employee well-being through customized benefits packages and cash benefits.
It has long been common practice for companies to take out insurance on the lives of their CEOs and top executives, to offset the significant cost of replacing them if they die.
This document summarizes Julien Bontempi's experience as a co-founder of MoRunning, a fundraising channel he created for Movember charity through a series of running events in the UK and Ireland from 2009-2015. During his time with MoRunning, he helped grow Facebook and Twitter communities to 20,000 members and raise £900,000 for Movember. In 2014 alone, MoRunning generated £300,000 in revenue from race entries and merchandising. His responsibilities included digital strategy, event branding, campaign delivery, and managing both online and offline marketing activities.
The document provides descriptions of various cities and regions in Cyprus, highlighting natural attractions, history, and culture. It promotes Cyprus as a destination with naturally beautiful landscapes across the island, including beaches, forests, mountains, and historical sites dating back to ancient civilizations. Visitors can enjoy outdoor activities like hiking trails, as well as experience local culture and cuisine in villages. Contact information is provided to find more recommendations for traveling to different parts of Cyprus.
Brief look at data segmenting decisions and use of Semantic Web technologies within Anzo. Presented at the 2011 W3C Linked Enterprise Data Patterns workshop.
The document discusses the four regions of Texas - Coastal Plain, Great Plains, Central Texas, and Far West Texas. It describes an activity where students are divided into groups and assigned to research one region, focusing on its geography, climate, resources, and economy. The groups then present their findings and recommend which region would be best to settle a colony, considering factors like population and available resources.
This document outlines a history lesson plan that explores bias and point of view in primary and secondary sources. The lesson includes activities where students analyze paintings depicting Columbus and the Spanish arrival in the Americas to identify bias. Students then participate in a "RAFT" writing activity where they adopt different roles, audiences, formats and topics to practice writing from various perspectives. Their work is shared and feedback is provided. Finally, students reflect on how an author's bias can influence the creation of sources and how point of view shapes interpretations.
The document outlines a history lesson plan that uses various visual analysis techniques. It introduces the OPTICS framework for analyzing images, which focuses on objects, people, titles, inferences, conclusions, and symbols. Students will apply this framework to analyze a painting and political cartoons. They will then partner up to use OPTICS to examine a cartoon and present their findings to the class, after which their presentation will be evaluated using a rubric. The lesson emphasizes the importance of images as historical sources and how to critically examine them.
Intro to the Semantic Web Landscape - 2011LeeFeigenbaum
An introduction to the Semantic Web landscape as it stands near the end of 2011. Includes an introduction to the core technologies in the Semantic Web technology stack.
This material was presented at the November, 2011, Cambridge Semantic Web meetup.
This document discusses various multimedia tools that can be integrated into the classroom, including tools for creating comics, digital storytelling, presentations, e-books, and speaking avatars. It provides the websites and brief descriptions of popular comic creation tools like Kerpoof and Toondoo that allow students to create digital comics. It also outlines digital storytelling tools such as StoryBird and VoiceThread that enable students to incorporate visuals and audio into multimedia presentations. Additionally, it mentions presentation software like Prezi, as well as e-book creation platforms like Book Builder and Bookemon. Finally, it discusses Voki, a tool for developing personalized speaking avatars.
This is my presentation at the 2009 COSAC Security Conference on Cloud Computing. Here is the abstract:
One way or another, cloud computing seems determined to be on your radar. Whether it's your CXO, your customers or even your staff, someone is either going to be asking you about it, doing it, or trying to keep you from knowing they're doing it. You can't afford not to be prepared and understand not only the fundamentals and current definitions of cloud computing, but you also need to be able to get beyond the buzzwords, the hype and the fear, uncertainty and doubt (FUD) presented everwhere from the Wall Street Journal to trade magazines to vendor brochures.
This session will provide a brief overview of the current cloud computing landscape, including:
* The different definitions and approaches
* The claimed business benefits and opportunities
* The most touted security issues and risks
Following this introduction, we will examine the potential business value, opportunities and risks in more detail to identify the ones that are likely to have a real impact on your organisation. After this session, you should be able to understand:
* The relationship between cloud computing, virtualisation, Software as a Service (SaaS), SOA and other types of outsourced services
* Whether cloud computing is a real option for your organisation
* The unique information assurance and security challenges posed by cloud computing
* What you can do to prepare yourself and your organisation for evaluating, deploying and leveraging cloud computing services
Radio has been part of American families since 1906 and continues to be an important part of daily life. It reaches over 30 million streaming listeners per week and over 92% of radio listeners are retained during commercial breaks, showing how receptive the medium is. Radio provides targeted advertising opportunities through various station formats and audio neighborhoods to effectively reach customers. It is an affordable and immediate advertising option that can increase sales due to its high weekly reach of over 93% and ability to form strong emotional bonds with listeners.
Thomas Guzzi has over 15 years of experience working as a graphic artist, with skills in illustration, advertising design, and interactive web development. His portfolio showcases samples of his work in these areas, including his ability to conceptualize ideas and draw them beautifully, experience providing interactive assets for online clients, and designing advertising campaigns while photo retouching and laying out production materials.
A Voki is an animated avatar that can be used to communicate through voice. Users can create their own Voki avatar by registering for a free account on the Voki website, then customizing the character, choosing a voice, background, and player color before publishing the avatar. Vokis allow students to create speaking assessments or communicate outside the classroom through an animated character they design.
The Champion Strategy: Why Didn't I Hear From You?!Brian Massey
Why didn't I hear from you? If you applied for a job recently, why didn't you ask me if I knew someone at the company. The only good reason is that you already had a champion who was helping you land the interview. Otherwise, you're missing out. If you want the interview you have to have some connection to the hiring manager. It isn't as hard as it sounds.
This document lists several European absolute monarchs from the 16th-18th centuries including Philip II of Spain who ruled from 1520-1566, Louis XIV of France who ruled from 1638-1715, Maria Theresa of Austria who ruled from 1717-1780, Peter the Great of Russia who ruled from 1672-1775, Catherine the Great of Russia who ruled from 1729-1796, Fredrick II of Prussia who ruled from 1740-1786, James I of England who ruled from 1566-1625, and Charles I of England who ruled from 1625-1649.
Our film was a sports comedy thriller that took elements from films like Cool Runnings and Donnie Darko. The main character wore green to represent good, while the mysterious bully wore red to represent evil. The film represented different social groups through clothing and movements. We aimed our film at teenage males and older audiences, using relatable characters, humor, action, and a mysterious bully character. We learned many filmmaking and editing skills during the process of creating the film. Music and character design were used to attract our target demographic. More planning was done for the main task compared to the preliminary task.
Voluntary insurance plans can help employers satisfy competing priorities around benefits at no direct cost. They accomplish this by creating a more attractive benefits package in the face of rising healthcare costs and competition for talent. Voluntary insurance is 100% employee-paid and can include policies for accident, cancer, dental, life, and other supplemental coverage. It helps address challenges from both the employer and employee perspective by supplementing core benefits and providing cash benefits to help cover out-of-pocket medical costs. More than half of US employers offer voluntary insurance as it helps look after employee well-being through customized benefits packages and cash benefits.
It has long been common practice for companies to take out insurance on the lives of their CEOs and top executives, to offset the significant cost of replacing them if they die.
Individual disability insurance is important because most people's greatest asset is their ability to earn an income. Statistics show that about 1 in 3 women and 1 in 4 men will be disabled for 3 months or longer at some point in their career. Disability can jeopardize one's finances and quality of life. The key sources of disability income are employer-provided short-term and long-term disability insurance, Social Security, and individual disability insurance policies. It is important to understand the benefits and limitations of different policies to ensure adequate financial protection in the event of a disability.
A disabling illness or injury can create a financial burden for individuals and their loved ones. This presentation discusses what options are available if you were to become disabled.
Analysis Section 125 Plans And A Virginia Health Insurance Exchangestephenbowman
The document summarizes information about Section 125 plans and a potential Virginia health insurance exchange. It discusses how Section 125 plans allow employees to purchase health insurance with pre-tax dollars, reducing costs. It provides examples of how this saves employees and employers money. It also outlines initiatives in other states to encourage Section 125 plans. The document discusses the potential benefits of a health insurance exchange in Virginia and the different types an exchange could take.
The Gardner Group's eighth newsletter provides updates on self-funded employee health benefits and data analytics. Self-funding allows employers to avoid premium taxes and state-mandated benefits, saving thousands per year. While it presents financial risk, purchasing stop-loss insurance mitigates exposure to catastrophic claims. Data analytics helps self-funded employers streamline inefficiencies, identify at-risk members, and lower costs through wellness programs. The newsletter also discusses consumer-directed health plans that function as a form of modified self-insurance, saving employers money versus traditional insurance.
This document discusses the impact of the global financial crisis on the Indian insurance industry. It provides background on the history and development of insurance in India. It then describes the current state of the Indian insurance market, which includes both public and private sector players. Finally, it discusses the global financial crisis that began in 2007-2008 and its effects on financial institutions worldwide. In 3 sentences:
The document provides context on the history and development of the Indian insurance industry. It then outlines the present scenario of the industry, which includes both public and private players competing in the large and growing Indian market. Finally, it introduces the global financial crisis that began in 2007 and may have impacted the Indian insurance sector.
Voluntary insurance policies provided by employers can help address rising health care costs and benefits challenges. As health care premiums increase faster than wages, employers are forced to reduce coverage while employees face higher deductibles and out-of-pocket costs. This places financial strain on both employers and employees. Voluntary insurance supplements existing health plans by providing additional benefits to help cover expenses with no added costs to employers. It enhances employee benefits packages and satisfaction while helping attract and retain talent. Over half of large employers offer voluntary insurance as an affordable solution to complex health care issues.
Buying insurance can be confusing, but when the unexpected happens – a house fire, a fender bender or a broken bone – it's a relief to know that some of those financial losses will be covered. But how do you know how much coverage you need? And what questions should you ask before buying a policy? Many consumers aren't sure. Insurance coverage is far from one size fits all, so here's a look at mistakes some consumers make when buying insurance.
More info:
https://foursquare.com/westhillconsult
http://westhillconsultinginsurance.tumblr.com/
This document discusses the human risk factor in cybercrime and how businesses can manage people risk. It notes that while most employees are honest, a small percentage can cause major damage through lies, cheating and theft. [It then outlines some strategies for preventing and responding to issues, including people risk management programs, employee wellness initiatives, effective people management practices, and vetting of third parties]. The goal is to detect and address potential problems before they impact the corporate image or success of the business.
Illinois Mutual, headquartered in Peoria, Illinois, is a premier provider of life insurance, disability insurance, workplace insurance and annuity products. Founded in 1910, the Company conducts business in 47 states through more than 18,200 independent agents. The document discusses how disability and life insurance are important for business owners to protect their business and family in case they become sick or die. It recommends speaking to an Illinois Mutual agent about disability and life insurance products tailored for business owners.
This document discusses the importance of life insurance, especially during challenging economic times. It notes that many households admit they need more life insurance but may not purchase it. The document recommends having life insurance that is 7-10 times one's annual salary and provides an online calculator to help determine insurance needs. It closes by thanking the reader and providing contact information for further assistance.
This document discusses the importance of long term care insurance for both employers and employees. It notes that over 1 in 3 Americans receiving long term care are working age adults, and the average nationwide cost of nursing home care is $76,000 per year. Long term care insurance can help cover these costs and protect savings. The document advocates that employers offer long term care insurance as an employee benefit, as it can help with employee retention and reduce absenteeism from caregiver responsibilities.
This document discusses the importance of long term care insurance for both employers and employees. It notes that over 1 in 3 Americans receiving long term care are working age adults, and the average nationwide cost of nursing home care is $76,000 per year. Long term care insurance can help cover these costs and protect savings. The document advocates that employers offer long term care insurance as an employee benefit, as it can help with employee retention and reduce absenteeism from caregiver responsibilities.
ClaimLinx specializes in consulting and benefit administration for self-funded medical plans. Their Simple Option Solution program allows employers to raise deductibles on their health plans and implement a Section 105 medical reimbursement plan to "buy back" benefits for less. This can save employers 10-80% on health costs. The implementation process involves presenting employers with customized savings projections and transitioning their plan administration to ClaimLinx as the third-party administrator. ClaimLinx handles ongoing services like claims processing and reporting to help employers lower costs while maintaining coverage for employees.
Why should companies consider captive programs to address insurance needs? Alan Fine, member in charge of the captive insurance advisory services practice at Brown Smith Wallace, and Bill Goddard, principal in the captive insurance advisory services practice, discuss the August 28 Missouri captive insurance company legislation and what it changes for the formation of captives.
Principles of Life insurance by Dr. Amitabh MishraAmitabh Mishra
The document discusses the key principles of life insurance, including:
1) The principle of insurable interest which requires a financial loss upon death or injury.
2) The principle of utmost good faith which requires full disclosure between insurer and insured.
3) The principle of large numbers which allows insurers to predict risks by analyzing large pools of policyholders.
4) Life insurance has also evolved with increasing digitization, the creation of e-insurance accounts, and the growth of alternative distribution channels such as brokers, banks, and online aggregators.
May is Disability Insurance Awareness Month, a time when the insurance industry comes together to do something about the enormous gap that exists between Americans’ need for disability insurance and the actual coverage they have.
This document discusses how life insurance can help with comprehensive financial planning by protecting against risks like death, accidents, sickness, and providing retirement income. It notes that people spend more time planning vacations than financial risks. Life insurance offers investment options, helps with retirement through annuities, and provides tax benefits. It can also help with estate planning through policies that pass funds to beneficiaries. Overall, life insurance is positioned as an important tool for holistic financial planning and protection from life's uncertainties.
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These lecture slides, by Dr Sidra Arshad, offer a quick overview of the physiological basis of a normal electrocardiogram.
Learning objectives:
1. Define an electrocardiogram (ECG) and electrocardiography
2. Describe how dipoles generated by the heart produce the waveforms of the ECG
3. Describe the components of a normal electrocardiogram of a typical bipolar lead (limb II)
4. Differentiate between intervals and segments
5. Enlist some common indications for obtaining an ECG
6. Describe the flow of current around the heart during the cardiac cycle
7. Discuss the placement and polarity of the leads of electrocardiograph
8. Describe the normal electrocardiograms recorded from the limb leads and explain the physiological basis of the different records that are obtained
9. Define mean electrical vector (axis) of the heart and give the normal range
10. Define the mean QRS vector
11. Describe the axes of leads (hexagonal reference system)
12. Comprehend the vectorial analysis of the normal ECG
13. Determine the mean electrical axis of the ventricular QRS and appreciate the mean axis deviation
14. Explain the concepts of current of injury, J point, and their significance
Study Resources:
1. Chapter 11, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 9, Human Physiology - From Cells to Systems, Lauralee Sherwood, 9th edition
3. Chapter 29, Ganong’s Review of Medical Physiology, 26th edition
4. Electrocardiogram, StatPearls - https://www.ncbi.nlm.nih.gov/books/NBK549803/
5. ECG in Medical Practice by ABM Abdullah, 4th edition
6. Chapter 3, Cardiology Explained, https://www.ncbi.nlm.nih.gov/books/NBK2214/
7. ECG Basics, http://www.nataliescasebook.com/tag/e-c-g-basics
Tests for analysis of different pharmaceutical.pptx
What You Don't Know About Your Health Insurance Can KILL You!
1. What you don’t know
about your health
insurance can kill you!
Poor health insurance
choices are endangering
you, your family and your
lifestyle
2. HOW MANY LIVES HAVE BEEN TAKEN?
According to the Urban Institute
analysis, from 2000 to
2006, 137,000 people died
because they were uninsured
This is due to people delaying or
going without needed medical care
Source: Robert Wood Johnson Foundation, ―Uninsured and dying because of it.‖ 2008
Copyright 2009 2
3. UNRELIABLE INSURANCE = HEALTH RISK
Nearly 1.3 million full-time workers lost their
health insurance in 2006
In 2007, 37 million large and small business
workers were uninsured because health
benefits were not offered
Source: National coalition on health care, 2009
Copyright 2009 3
5. THE FACTS ARE FRIGHTENING
It is estimated 46 million Americans do
not have health insurance 46M
40%
A staggering60% or 24 million of
Americans are not insured relative to
self-employment or working for a 24M
small business
Total
Self-employed/small
business
Source: NASE, 2009
Copyright 2009 5
6. SMALL BUSINESS EMPLOYEES PAY MORE
An employee in a firm with less than 10
employees pays 18% more for health
insurance than a worker in a firm with
200 or more
Healthcare costs are continuing to rise
for small businesses causing many to
become uninsured
Having no or inadequate insurance will
result in a price you never want to pay
Source: NASE, 2009
Copyright 2009 6
7. SELF EMPLOYED – HIGHER RISK FACTORS
A study showed…
45%
45% of small business owners are using 40% 39%
credit cards to finance their business
40% are using commercial loans or credit
lines (often guaranteed by personal assets)
39% are using their personal assets
12%
12% are using home equity financing
Risk for the self employed is extremely
high, you’re health shouldn’t be part of it Credit cards Credit lines Personal assets Home equity
Source: Business Week.com October 26, 2008, AllBusiness.com
Copyright 2009 7
8. SELF EMPLOYED HAVE MORE TO LOSE
60% of small business owners operate
as sole proprietorships
Which means…
if the business fails the owner is
personally liable for the debt
60% When you’re self employed you have
more to lose…
You’re business
You’re assets
You’re health
Source: P. Reynolds, Entrepreneurship in the U.S., Miami, Florida International University, 2004
Copyright 2009 8
9. EMPLOYMENT BASED INSURANCE TANKS
Employment is no longer a guarantee of
health insurance coverage
A rising reliance on part-time and contract
workers means fewer workers have access to
employer-sponsored health insurance
The number of uninsured rose 2.2 million
between 2005 and 2006, and has increased
by approximately 8 million since 2000
Source: National coalition on health care, 2009
Copyright 2009 9
10. UNEMPLOYED BECOMES UNINSURED
Unemployment rates Employment based insurance simply is
not enough
From 2007 to 2009, 5.1 million
Americans have lost their jobs
In March 2009, the unemployment rate
sky rocketed to 8.5%, the highest it’s
been since 1983
2006 2007 2008 Mar-09 Oct. By Oct. 2009 it is projected to be10.3%
2009
Source: Department of Labor. ―The employment situation.‖ March 2009; The financial forecast center, 2009
Copyright 2009 10
11. UNINSURED WILL CONTINUE TO GROW
Increases in unemployment during the
recession have grown the number of
uninsured people by 3.7 million working-
age adults
A study by the University of California at
Berkeley researchers found…
Even if the economy fully recovers, the
number of uninsured working age adults will
grow by 4.2 million by the end of 2012
Source: UC Berkley labor center, As Congress debates health care reform proposals in President Obama’s budget, new report documents the impact on health coverage of NOT
implementing health-care reform, 2009
Copyright 2009 11
12. THE YOUNG ADULT IS BEING HIT THE HARDEST
A national 2009 survey for young adults ages
18 to 29 showed:
19% are unemployed or looking for work
41% have been affected by cuts in wages or
hours
23% have recently lost health insurance
Over 50% have lost their health coverage
within the last five years
Because of scarce wages and difficult times…
20% are delaying, leaving college or Volatile times call for critical
transferring to a less expensive school decisions – going without insurance
is not an option
22% are postponing marriage or waiting to
start a family
Source: PR newswire, April. 2009
Copyright 2009 12
13. THE UNINSURED MIDDLE AGED ADULT
Uninsured
18%
The number of uninsured middle aged
adults is increasing every day…
13%
In 2006,
18% ages 35-44
13% ages 45-54
were uninsured
Ages 35-44 Ages 45-64
Source: CDC: Health insurance coverage: Early release of Health insurance estimates, 2006
Copyright 2009 13
14. DEATH – THE ULTIMATE CONSEQUENCE
In 2008, an alarming 9 million children 24 min =
went uninsured 1 death
Every 24 minutes someone dies in the
US, because they were uninsured and Every
could not get the medical help they 24 hrs = 6 hrs =
60 deaths 24 minutes 15 death
needed death occurs
The consequence of risking your own
life or the lives of your children is too 12 hrs =
great 30 people
Source: Cover Robert Wood Johnson Foundation Cover The Uninsured Oct 2008; BC Culture, What’s your excuse? Dave Nalle, 2006
Copyright 2009 14
15. INJURIES – NOT IF BUT WHEN
Something as minor as a broken bone
can cost$5000 in hospital charges
A knee replacement costs nearly $16,000
A complicated heart surgery will cost
close to$200,000 and typically the
hospital requires $100,000 up front
Not being insured only saves you
today’s premiums… it may wipe-out
tomorrow’s financial future
Source: Forbes.com, Forbes, Steve, ―Open heart survery—90% off..‖, 2007; BC Culture, What’s your excuse? Dave Nalle, 2006
Copyright 2009 15
16. CAR INSURANCE MAY NOT COVER YOUR
INJURIES
If your car insurance limits are too low, you
could be putting yourself in financial risk
If you’re seriously injured, making payment
could force you to…
Liquidate property
Savings
Other assets
Future earnings
Source: Carinsurance.com, 2009
Copyright 2009 16
17. UNINSURED CHILDREN SUFFER
10.7% of all children in the U.S. are
uninsured
Uninsured children are less likely to receive
50% wellness check-ups, immunizations, and
dental care
50% of uninsured children did not
receive a wellness checkup in
2003, compared to 26% of insured
children
Source: National coalition on health care, 2009; HealthPAC online 2009
Copyright 2009 17
18. RESULTS OF UNINSURED CHILDREN
Approximately 20% of uninsured children do not receive
recommended immunizations Receive immunizations
Immunizations is a proven tool for controlling and even
eliminating infectious diseases such as…
Smallpox, in it’s prime threatened 60% of the world's
20%
population and killed every 4th victim don’t
Measles, remains a leading cause of death among
young children globally
• Approximately, 197,000 deaths occurred in
2007, mostly children 5 & under
Polio is a highly contagious disease which can lead
to paralysis or even death
• In 1952, there were approximately 60,000 cases These diseases are just as
real and dangerous to the
with more than 3,000 deaths in the U.S.
Source: HealthPAC online 2009; WHO: Benefits of immunizations, 2009; Kids health, Polio, 2009
20% as they were in 1952
Copyright 2009 18
19. EXPERTS AGREE: NO ONE SHOULD BE UNCOVERED
Over 15 million people ages 18 to 34 live
without medical coverage
"I strongly advise that no onego without health
insurance, even for a few months. You're
exposing yourself to a major financial expense
that can take years to recover from or ruin your
credit history. In fact, lack of medical insurance
is the No. 1 reason cited by people who file for
personal bankruptcy‖
- Ray Martin, Finance expert/counselor
Source: CBS News, ―Health insurance for young adults.‖ 2006
Copyright 2009 19
21. RISK IS INCREASING…
In 2008, more than 33% of micro-business
owners did not offer health insurance
46%
Of the 46% that do offer health insurance, only
18.6% cover full-time employees
This is a major decline from 2005, when 46.2%
18% reported covering full-time employees
It is up to you to protect yourself
2008 2005
Source: NASE, 2009
Copyright 2009 21
22. UNDERINSURED ARE IN DANGER
The number of underinsured adults
has hit unprecedented rates…
2003
In 2007 it approached 25 million
adults compared to the 16 million
in 2003
Many adults just don’t 2007
understand coverage really is a
possibility
Source: The commonwealth fund. Sara R. Collins, Ph.D., Jennifer L. Kriss, Michelle M. Doty, Ph.D., and Sheila D. Rustgi, 2008
Copyright 2009 22
23. MASSIVE MEDICAL DEBTS - A COSTLY DANGER
Results of being underinsured…
In 2007…
• 71 million working-age adults reported
a problem paying their medical bills
• 7 million adults 65 or older reported
medical debt problems
• Nearly 49 million said they were
paying off long-term medical debt
Source: The commonwealth fund. Sara R. Collins, Ph.D., Jennifer L. Kriss, Michelle M. Doty, Ph.D., and Sheila D. Rustgi, 2008
Copyright 2009 23
24. BANKRUPTCY – THE ULTIMATE FINANCIAL DANGER
A Harvard University study analyzed 1,700
bankruptcies across the United States
Medical
problems 50% were related to medical financial
problems
High An astonishing, 75% of the individuals who
chance of
bankruptcy claimed (medical) bankruptcy actually had
health insurance
Poor Having poor health insurance coverage is
coverage
like trying to cure pneumonia with over-
the-counter cough medicine
Source: AHCJ: Association of Health Care Journalists, Andrew Van Dam, 2009 Harvard University 2005
Copyright 2009 24
25. INADEQUATE COVERAGE EFFECTS THE MIDDLE-AGED
Middle aged adult
A survey showed…
Middle-aged Americans seem most
worried about paying their health care bills
Among insured individuals ages 45 to
64, 84% were concerned health care
costs would exceed their ability to pay 84% afraid can’t pay
for health care
Source: HonNews, E.J. Mundell, Most Insured adults worry about health care costs, 2009
Copyright 2009 25
26. YOU’RE NEVER TOO YOUNG TO GO WITHOUT
INSURANCE
Accidents, illness and disease is inevitable
even for the young adult
Medical debt could result in…
Large debt load
Ruined credit
Lower standard of living
Moving back in with your parents
Are you willing to take these risks?
Copyright 2009 26
27. IS IT POSSIBLE TO BE INSURED?
In 2007, underinsured adults
earning between $20- $40K spent
10% or more of their income on
health care
Those earning between $40-$60K
spent 36% of their income on 36%
health care
10%
$40-60K $20-40K
Source: The commonwealth fund. Sara R. Collins, Ph.D., Jennifer L. Kriss, Michelle M. Doty, Ph.D., and Sheila D. Rustgi, 2008
Copyright 2009 27
28. YOU CAN’T AFFORD TO BE UNDERINSURED
―Health insurance is one area where you
simply can’t afford to be underinsured
…remember, insurance is all about
planning for the worst. And if you or
anyone in your family were to ever
develop a severe illness, you would want
to make sure you could afford the best
care for them‖
- Suze Orman, Personal finance expert
Source: Suze Orman internationally acclaimed personal finance expert : The Suze Orman Show : Will & Trust Kit : FICO Kit : Insurance Kit : Women & Money
Copyright 2009 28
30. THE WRONG AGENT - SUBSTANDARD LIVING
Selecting the wrong agent and then obtaining
the wrong coverage leads to financial troubles
39% A study showed adults who experienced
medical bill problems…
29% 30%
29% were unable to pay for basic
necessities like food, heat, or rent
39% used their savings to pay bills
Unable to pay Used savings Took on credit
for basic card debt 30% took on credit card debt
necessities
Source: The commonwealth fund. Sara R. Collins, Ph.D., Jennifer L. Kriss, Michelle M. Doty, Ph.D., and Sheila D. Rustgi, 2008
Copyright 2009 30
31. RESULTS OF THESE CHOICES - DISASTROUS
Inadequate or no health care coverage
Below-par quality of health and life
Long-term illness or early death
Emotional devastation
Financial ruin
"The Institute of Medicine report shows the
evidence of being uninsured is stronger than ever.
People without insurance do not get the care they
need, and too many people live sicker and die
sooner as a result”
Risa Lavizzo-Mourey, M.D., M.B.A.
Robert Wood Johnson Foundation President and CEO
Copyright 2009 31
32. INADEQUATE AGENT = UNDER PAR HOSPITALS
Many people with inadequate health coverage go
to community health centers to get care…
A study showed people who attend a community
health center will more likely deal with…
Long waits for appointments
Discontinued services
Bed sores
Infections
Death in low risk procedures
Out-dated or lack of necessary equipment
Source: Dewan, S. & Sack, K. A Safety-Net Hospital Falls Into Financial Crisis. The New York Times, 2008
Copyright 2009 32
33. INADEQUATE PLANS RESULT IN OUTDATED EQUIPMENT
Doctors agree outdated medical equipment
such as…
Microscopes
X-ray machines
Scanning machines
Cameras
Defibrillators
are unsafe and put patients lives at risk
Source: ABC news, ―Old medical equipment risking patient care‖, 2006
Copyright 2009 33
35. CHANCES OF ESCAPE ARE SLIM
In the U.S. 1 out of 3, 33% of individuals will develop…
• high blood pressure
• diabetes
• stroke
• heart attack
• Every 34 seconds a person dies from heart
disease
• 50% of men and 33% of women will develop
cancer within their lifetime
• 25% of individuals develop asthma and allergies
Source: Webmd: Death from Heart disease, 2007; American Academy of
Allergy Asthma & Immunology, 2009; American Cancer Society, 2008.;
American Heart Assoc., 2009; Car accident statistics, 2005
36. REALIZE THE CONSEQUENCES
Accidents are the top killers among
young adults & children
Accidents, cancer and abnormality at
birth accounted for 63% of all deaths
ages 5-9
Accidents, homicide and suicide
accounted for 76% of all deaths
ages 15-29
Every 13 minutes a person dies in
an accident
Source: National Center for Health Statistics, National Vital Statistics Reports March 7, 2005; car accident statistics, 2005
Copyright 2009 36
37. COMMON BACTERIAL INFECTION IS INEVITABLE
Blood infection, pneumonia and middle ear
infection is the #1 reason for children's doctor visits
in the first few years of life
Every year, approximately 76 million people
become ill from disease-causing substances in food
Of these about 5,000 die
Each year there is14.2 million cases of bronchitis
Even if you escape major illness, minor illness
requiring medical assistance is unavoidable
Source: National institute of diabetes and digestive and kidney diseases, 2009; WD, ―Statistics about acute bronchitis, 2009
Copyright 2009 37
38. FINANCIAL CRISIS AT MEDICAID AND MEDICARE
When Medicaid and Medicare were passed in
1965, employment-based insurance was the
nation’s principal source of health care coverage
―It was obvious, however, it could never come
close to covering the entire population‖ - The
people to people Health Foundation, Inc.
Medicare is projected to be broke by 2016 or 2018
Employment-based and government insurance are
not enough, no one can rely on these
Source: Enthoven, A. & Fuchs, V. (2006). Employment-Based Health Insurance: Past, Present, And Future. Health Affairs, 25(6), 1538-1547. Retrieved November 10, 2008 from Proquest;
Bush, H. (2007). Florida Forecast: Partly Cloudy. Hospitals & Health Networks, 81(12), 40-2, 44, 1. Retrieved November 10, 2008 from ProQuest
Copyright 2009 38
39. WHAT HAVE WE LEARNED?
Going without or having inadequate health
insurance is tied to too many unknowns...
It is a risk you should not take no matter what
age or how healthy you are…
The only definitive result of lack of coverage
is DISASTER
39
40. THERE ARE OPTIONS FOR RESPONSIBLE INDIVIDUALS WHO…
Understand there is a moral
responsibility in health insurance
choices
Understand the link between
protecting the quality of their lives
and adequate health insurance
Understand the risks of being
uninsured or underinsured
Are responsible and want to control
their healthcare decisions
Want the most cost-effective, best
coverage for their situation
42. HEALTH BENEFITS OF HAVING INSURANCE
Children with health insurance…
Are more likely to be healthy
healthier children do better in school
Miss less days from school
Are more likely to be treated for ear
infections, reducing the likelihood of
lifelong hearing loss
Are more likely to receive basic medical
care for asthma and experience far less
asthma-related attacks and emergency
room visits
Source: HealthPac online, 2009
Copyright 2009 42
43. IT’S MORE COSTLY NOT TO HAVE HEALTH INSURANCE
―Some sort of illness hits everyone eventually, but
many diseases - when caught early - can be
nipped in the bud and full health returned… it’s
important to visit your doctor on a regular
schedule - at least annually or possibly more
often as you get older. If detected soon
enough, a full cure will more likely occur… Either
invest a relatively small amount (in which may be
covered 100% by insurance) in order to stay in
good health, or pay a huge amount later to treat
the disease that is bound to eventually hit us‖
- World Research Foundation
Source: World Research Foundation, 2009
Copyright 2009 43
44. INSURANCE IS KEY TO SAVING YOU MONEY
A study by the Institute of Medicine shows
the average uninsured American would gain
between$1,645 and $3,280 annually if
they were insured
The money represents the value, in
dollars, a person is missing out on in terms
of health care by not having insurance
Having insurance saves you money and
more importantly saves your health
Source: Tribtotal media, ―Lack of adequate health insurance costs the nation., 2003
Copyright 2009 44
45. HEALTH INSURANCE – NAMED AS A LEADING
HEALTH INDICATOR
Uninsured patients are 1.6 times more
likely to die in 5 years from cancer than
those with private insurance
―Health insurance provides access to health
care. People with health insurance are more
likely to have a primary care provider and
receive appropriate preventative care such
as a recent Pap test, immunization, or early
prenatal care‖
- Healthy People 2010 Campaign
Source: Healthy people 2010, 2009; American Cancer Society, 2007
Copyright 2009 45
46. HEALTH INSURANCE PREVENTS ILLNESS
Adults with health insurance are twice as likely to
receive a routine checkup than those without
Mammograms in women over the age of 50 result
99% in 20-30% reduction in breast cancer deaths
Early detection of skin cancer results in a 99%
survival rate
Early detection of prostate cancer results in a
100%
100% survival rate
Source: American cancer society, 2008; ―Healthy people 2010‖, 2009
Copyright 2009 46
47. INSURED WOMEN VS. UNINSURED
Women without insurance are twice as likely to Late cancer stage diagnosis
be diagnosed in late stages of cancer than
those with insurance 30%
Only 38.1% of uninsured women receive a
mammogram compared to…
74.5% with private insurance 15%
20-30% of uninsured women were
diagnosed with stage III or IV breast cancer
compared to…
15% with private insurance
Uninsured Insured
Source: American cancer society, 2007
Copyright 2009 47
48. INSURED MEN VS. UNINSURED
5 year survival rate
66% Only 50% of uninsured patients survive
colon cancer for 5 years compared to…
50%
66% with private insurance
Only14% of uninsured men ages 50 to
64 receive a prostate cancer examination
compared to…
37.1% with private insurance
With insurance Without insurance
Source: American cancer society, 2007
Copyright 2009 48
50. INVEST IN YOUR FUTURE - EDUCATE YOURSELF
Approximately 90% of health-insurance
shoppers fail to fully read enrollment and
coverage materials
That means 90% of individuals do not fully
understand their coverages including…
Out-of-pocket expenses
Deductibles
Co-payment
Co-insurance 90% failed to educate
themselves
This can be costly as well as deadly
Source: How to make the best choices for your health benefits. Medmutual.com, 2009
Copyright 2009 9
51. THE INNER WORKINGS OF HEALTH INSURANCE
Imagine you have a $100,000 heart surgery
Surgery
$50K that is covered by your insurance plan that
has a…
Room $2,500 annual deductible
$25K
20% coinsurance after deductible
Dr. Fees $2,000 out-of-pocket limit per year
$25K
$5 million lifetime maximum
Total You would be responsible for $4,500
$100K
Source: EHI, ―How does health insurance work?‖, 2009
Copyright 2009 51
52. UNDERSTANDING CO-INSURANCE & OUT-OF-
POCKET EXPENSES
After the deductible is paid the insurance
company typically pays a percentage of the
bill, known as coinsurance…
$100K
For a health insurance plan with 20% Bill
coinsurance, the insurance company will
pay 80% of the covered expenses
$2,500
You become responsible for the remaining client
deductible
20% until your out-of-pocket limit is reached
80%
20%
covered
out-of-
by
pocket
insurance
Source: EHI, ―How does health insurance work?‖, 2009
Copyright 2009 52
53. THE BENEFITS OF HEALTH INSURANCE –
BREAKING IT DOWN
For a $100K heart surgery you will pay…
Out of pocket cost for $100K surgery
$2,500 for the deductible
$100,000 $2,000 for the coinsurance
Making your total cost
$4500
The insurance company will pay…
$95,500
$3,500
Which scenario do you prefer…
With Insurance Without Insurance Paying $100,000 or $4500, having insurance will
determine which dollar amount you end up with
Source: EHI, ―How does health insurance work?‖, 2009
Copyright 2009 53
54. THINGS YOU SHOULD KNOW
An individual with a long history of medical
complications…
may have a hard time finding individual coverage
should expect their premium to be higher
The higher the deductible the lower your premium
will be
a high deductible will protect you from
catastrophic events
If somebody offers you an insurance benefit solution
that looks too good to be true, then it’s likely it’s to
good to be true
Copyright 2009 54
55. WHAT DOES A TOP QUALIFIED
HEALTH INSURANCE AGENCY
LOOK LIKE?
56. TOP-QUALIFIED AGENCIES…
Understand your needs come first in regards to
coverage and premium
Provide the largest doctor and hospital networks
Have educated and experienced career agents (no
part-time agents)
Extend their service beyond the sale
Must have a long record of successful results
Utilize a wide choice of trusted premier carriers
Have large lifetime maximums
Copyright 2009 56
57. TOP QUALIFIED AGENTS ARE CRITICAL
When insurance companies pay out more in claims
than they receive in premiums and/or medical and
operating expenses rise, your premiums go up
Top-qualified insurance companies collaborate
with top-qualified agencies to provide satisfactory
coverage in a cost-effective manner
“In order for individuals, families and business
owners to make informed decisions regarding their
health coverage, they need accurate information
on both price and quality of service providers”
- NASE
Source: NASE, 2009
Copyright 2009 57
58. TOP AGENTS ARE WELL ESTABLISHED
Finding an agent that has been in
business for at least five years and is
there for the long haul is vital
You never know what the future will bring
Having the right insurance agent will
result in the right insurance plan for
you, giving you peace of mind
Source: insuranceagents.com, 2009
Copyright 2009 58
59. TAKE THE NEXT STEP…
Bring yourself peace of mind by…
Facing Employing Obtaining
Educating
harsh a top the right
yourself coverage
realities agent
Copyright 2009 59
60. THE CRISIS
Having an under qualified agent will result in…
Inadequate or no health care coverage
Below-par quality of health and life
Long-term illness or early death
Emotional devastation
Financial ruin
60
61. THE RESOLUTION
Face the reality of your risk
Invest in your future through
education about health
insurance benefits
Understand how insurance
companies work
Understand how to select an
agent and company to work with
61
62. THE SOLUTION
Have and retain a good quality of life
Peace of mind that securing your
future health and assets brings
Able to leave a legacy
Able to enjoy your family & other
close relationships
Feel good about being a responsible
human being
62
64. As a trusted guide we educate our
clients, empowering them to make
intelligent and informed decisions that fit
their benefit package to their lifestyle. We
are committed to this journey of proactively
helping them navigate their ever changing
needs and protect their lifestyle throughout
their lifetime
65. OUR COMPANY’S
PHILOSOPHY & CULTURE
What is your philosophy
What is your business culture like?
Friendliness, customer centered…
Etc.
66. UNIQUE SOLUTIONS
We have over 70 million policy holders
We have one of the largest doctor and hospital networks
available
We’ve been in business since 1892
We have a wide choice of trusted premier carriers
We have career agents that are here to stay
We have a wealth of knowledge with a deep understanding of
both national and regional issues
We are easily accessible
We have the largest lifetime maximums
We are a Managing General Agency (MGA)
We are here when things go wrong or you have questions
Our service extends beyond the sale
We put our client’s best interests first
We represent two of the strongest HSA companies in the
country including one of the companies that helped design the
HSA concept
67. TOP QUALIFIED AGENTS
What do you want your customers
to know about your staff…
Professionalism
Length of time with company
Experience levels
Etc.
68. CLIENT SATISFACTION
Written by All About Health Insurance
Should include the following:
Your guarantee
Your assurances
Etc.
69. TESTIMONIALS
"Cathleen Torisi was not only
generous with her time in explaining
the various pros and cons of each of
the plans under review, her
knowledge and expertise were
invaluable in helping us make the
right choice. Anytime we had a
follow-up question on our policy, she
was more than happy to answer it.‖
- Brian McCallen, Golf/Travel Specialist