HEALTH INSURANCE: Anyone who knows the power of keeping it simple, knows that in today’s health insurance marketplace, health insurance is anything but. It is no wonder consumers today are feeling buyer paralysis and confusion. At Soriano Insurance we feel clear answers empower good decisions.
Enrollment Management systems allow us to properly indicate benefit options as well as show a simple easy to understand options benefit platform to employees and employers. The rollout and transfer of information to our accounts and employees facilitate the HR Process. It allows us to become a part of the system and a partner to all. HR Department support is a vital part of our Benefit Integration System.
Terms such as:
* Deductible * Coinsurance * Benefits * Eligible Expenses * Emergency Services * Excluded Services * Limitations * Minimal Essential Coverage (Under the Affordable Care Act ) * Network Network Providers * Non-Network Providers * Premiums * Prescriptions/RX Drugs * Urgent Care Center * Third Party Administrators / Self Funding, and many others can have an adverse impact on employee participation and motivation if not properly and simply explained.
Companies we represent:
Having a wide variety or Health Insurance Carriers can provide the options needed for our clients. At Soriano Insurance we pride ourselves in working with the best claim provider insurance companies available.
We strive to follow the following steps to help you secure the right benefit for your family;
1. We practice Active Listening:
Active listening is more than just paying attention to our clients words; it involves providing our feedback, acknowledging their understanding and providing additional feedback if they did not understand.
2. We establish a Consistent Presence;
The most consistent answer we have received in the past 30 years, when we asked our new clients what would they change about the way they work with their adviser was, increased communication.
We review our book of business regularly and make sure our clients are having consistent contact with us. Small changes and well as significant life changes in our clients life need to be addressed and looked at to make sure all life policies are not only up to date, but also the appropriate plans are in place based on those changes.
When it comes to Life Benefit Options, it is estimated that 70 percent of surviving spouses change their adviser within a year of the death of a spouse. It is imperative to us that we give families peace of mind that we will be there even after they are gone.
3. We focus on financial needs of all parties, personal and business.
Unless it’s a one- person household or business, we make sure to evaluate the income, assets and financial goals of both members of the household and or partnership. And when discussing life goals we make sure that both people involved know all aspects of the policies. Our relationship with both partners is critical to our clients success. In the past many agencies focused on the male of the household to market their services to. It is estimated that women make or influence 85% percent of all purchasing decisions in the U.S.
4. We highlight benefits, and explain exceptions and limitations.
Too often financial professionals highlight the features of a product or service when presenting options to their clients. Focusing on the benefit goals of our clients and associating the benefits with their needs specific to them allows for easy outcome with the proper features. Spending time on the exceptions and limitations of a specific policy also allows for clients peace of mind by understanding everything about their plan.
5. The Golden Rule taken to Platinum.
The Golden Rule has always been a standard: “Do unto others as you would have them do unto you.” We feel that not only is this Moral philosophy important to keep in mind, it is also important to “Do unto other as they would like for you, to do on to them”. Just because we feel, we have the best policies, there may be a time our clients may want or need something that is not in our specialty. We take advantage of having our business partners in the financial industry that we can refer our client to when we find that they are in need of a specialty service or product we do not have.
6. Our Motto:
“Our family business is protecting your family and your business.”
LIFE INSURANCE AND ANNUITY PRODUCTS: Has your insurance kept pace with changes in your life?
Low Priced Term and Whole Life Insurance for guaranteed peace of mind. With highly rated companies.
Our Choice Life Insurance Product will be your best choice for price the majority of the time. Our “Plus” Products not only rank in the top three for price 100 percent of the time, they are also fully convertible to any available Choice Life Insurance Product. This brings cost-effectiveness and flexible coverage from some of the strongest companies.
Debbie 44, is in in Excellent health, with two children, ages 9 and 11. She is a successful real estate agent, while husband Robert is a Stay-at-home dad.
NEED: Debbie wants to ensure that, if she dies prematurely, their home would be paid off, her children could attend college and her family would be financially secure.
SOLUTION: A “Plus” -20 Year, $2 million policy with a monthly premium of about $130 provides the protection Debbie needs now and the flexibility to convert to a permanent solution later.
Ron 50, Select Non-Smoker; A manufacturer’s representative, is in good health, with a wife and two daughters, 15 and 17.
NEED: Ron wants to ensure that his children’s college expenses will be covered and his wife can supplement her retirement income if he dies before he retires.
SOLUTION: A “Plus” 15 year, $1 million policy with a monthly premium of about $182 meets his budget and affords him the flexibility to convert to a permanent policy later.
Maria 36, a pediatrician with a growing practice is in excellent health, a single parent, with three children, ages 8, 12, and 15.
NEED: As the sole provider, Maria wants to make sure that her children’s future, including their ability to afford college expenses, will be protected should she die prematurely.
SOLUTION: A “Plus” 20 year, $2.5 million policy with a monthly premium of about $77 provides peace of mind about her children’s future and flexibility to convert to a permanent policy is she chooses.
PERMANENT LIFE AND ANNUITY OPTIONS ARE AVAILABLE FOR ADVANCED LIFE AND BUSINESS NEEDS.
We are hopeful that you simply call us or send us a simple email and allow us to do the work for you.
ADVANCE PERSONAL PLANNING RESOURCES:
- PERMANENT LIFE INSURANCE PLANNING
- CHARITABLE GIVING
- EXECUTIVE BONUS PLAN
- FAMILY BUSINESS PLANNING
- IRA DISTRIBUTION REVIEW
- PLANNISNG FOR SPECIAL NEEDS
- ESTATE ANALYSIS
- SPLIT-DOLLAR LIFE INSURANCE
- BUY AND SELL AGREEMENTS FUNDING
- KEY PERSON INSURANCE
- SUPPLEMENTSL EXCEDUTIVE RETIREMENT PLAN (SERP) FUNDING
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