What Are You Made For?
Normally this time of year, there are several conversations happening, usually all at once. What did you do for Christmas? What did you eat for Christmas? And What are your Resolutions for this year?
Google defines a Resolution as 1. A Firm decision to do or not to do something. 2. The action of solving a problem, dispute or contentious matter.
When a new year starts, it feels like a clean slate. All the baggage and history of one year is over. There is a new one, given to you. How will you spend yours?
I see so many folks who resolve to lose wait, or to make more money. My hope this year, is that you'd come alive this year. You've only got one life to live. Don't squander it. This world, it needs your best foot forward. I don't just say that, to make you feel bad or like your not doing enough. But, I truly believe, that if you knew what you had to offer this world, you would be more satisfied, more fulfilled, and have a peace that doesn't even make sense.
So, what were you made for? This isn't some, go find yourself question. You don't need a long vacation, or adventure to answer this question. What are some of the hard ships you've had to deal with? What situations have you seen, that most folks haven't? You've got a unique perspective to bring. Value it. Appreciate it. Appreciate the folks in your life, like never before.
Happy New years, and God Bless
This is a new, completely online insurance company that has popped up recently. How are they different from existing insurance companies? Are they different from existing companies? Let's find out!
Major Differences of Lemonade From Existing Georgia Insurance Companies
1. Lemonade is totally online. There is no brick and mortar for you to say hello, or ask questions at. That has its pros and it's cons. The biggest benefit is it can save them and you money on the overhead of having an office in every downtown city square. The payroll, rent, and other costs they are saving can be passed onto you. The most obvious downside, is the loss of the personal neighborly feel. How much of a con depends on the person. Some people like knowing there insurance agent, in case something bad happens, they can be reassured. Others, could care less.
2. How they make there money: This seems to be a pretty big one. Traditionally insurance companies take your money, invest it, and make their money off the interest. Lemonade claims that they charge a flat fee onto your monthly premium, and that is how they make their money. Whether this will be sustainable, or profitable in the long run remains to be seen.
3. Give Back: The last thing that they seem to be doing differently relates to how they pay claims. As I said above, they make money off of a flat fee tacked onto your premiums. The premiums that Lemonade collects goes into a pool, that claims are paid out of. If there are any left over funds at the end of the year, they will donate those dollars to non-profits. It sounds like a great feature, but it is not guaranteed, depending on how many claims they have.
How is LEMONADE The Same As EXISTING GEORGIA INSURANCE COMPANIES
1. Lemonade is Not An Independent Agent. They offer you there insurance, with their benefits and features. If it happens to be the cheapest or the most expensive, you won't find out from them. So be sure to shop around!
2. They are currently Only Offering Home Owners, Renters and Condo Insurance: If that's what you need, and the price or the features match your needs awesome. If you need Life Insurance, Health Insurance, even Car insurance, your out of luck! Sometimes not bundling car and home can be more costly, even if there home owners prices are cheaper.
Accidents happen. People Get Sick, or hurt...
What do you do if that happens to you? Well, if you have a personal health insurance plan, or one through your work, you go to a doctor in your group and get treated... Right? But what if you lost your job? Or what if the plan you have doesn't include your doctor?
Well, these are some areas Short Term Health Insurance Can help. It is a way more affordable product than COBRA. And, in most cases, there are no restrictions on which doctors you can see. Keep reading, and by the end of this, you should have a pretty good idea of whether or not Short Term Health Insurance is a good fit for you or not!
What is short term health insurance used for?
Short term health policies are mainly designed to provide temporary health care insurance during unexpected coverage gaps. It does not meet the minimum essential coverage of the Affordable Care Act, (ACA or Obamacare), but is still a wonderful product for many.
Short Term Health Insurance plans usually offer what would be described as streamlined "major medical coverage" that covers healthcare costs in the event of accidents and illnesses. Most Short Term Health Insurance plans also cover doctor visits for routine illnesses and injuries.
How long can i keep a short term plan?
It depends on the plan, and your budget. There are some plans that cover up to 364 days! ( That's all but one day) Or if you need something shorter, that can be arranged too. 3 months, to 364 days of the year. You can cancel any time, and you can renew as long as you like. Next day coverage is available.
How Do I get Short Term Health Insurance Plan?
You can call us or apply online.
Is it ACa Compliant?
Short Term health insurance plans do not meet the minimum essential coveragerequirements under the Affordable Care Act (ACA), also known as Obamacare, and may result in a tax penalty. They are designed solely to provide temporary health care insurance during unexpected coverage gaps.
SOme Other Big Notes
It does not cover pre-existing illnesses. It also does not cover pregnancy costs. But, it will cover if you have a new baby, all those expenses!
If you still have some questions about short term health insurance, or if you'd like to get started on getting your coverage, feel free to email us or call us, or stop by our office in Uptown Hoschton, GA. And Remember, Stay Healthy!
Simpkins and Associates
4397 Highway 53
Hoschton Ga, 30548
This is gonna be different from Most of Our Posts...
Most of our blogs are going to be about a certain product or service. We like to educate Hoschton locals on great products that most folks don't know about like Benefits and Overhead Insurance. Or we like to give people the inside scoop on stuff every body already knows about, like our Post about the Health Insurance Market in 2018. This one is gonna be more of a brag on Bill, and his team, and I will tell you why...
He's Got an Awesome Dog!
He love's Belgian Malinois' breed, and He has got two of them! That for me is a big plus in his corner cause I love Dogs! Beyond that...
Bill's Been DOing this for A Long Time!
Bill's been and Independent agent longer than I've been alive! Longer than most folks have been in business, or the work force, that's for sure. Now, what I like about Bill is that, he is still full of life. For as long as he's been doing this, he doesn't show any signs of slowing down! In addition to the experience He brings to the table, he also is not biased...
Independent Agent- Mostly Bias Free!
Maybe your familiar with the insurance industry, maybe your not... If your not, I'd recommend you treat it somewhat like you do most things, and shop it around a bit. If you go to someone who says he is an agent who works for a company that rhymes with FALL Kate... When you go to them to shop for Life insurance, they will show you what Their company has to offer. And theirs only. Bill on the other hand, as an independent agent, can go to many many many companies, show them your situation, and work to find you the best rate, and coverage! In addition to that, Bill's Got Something Else a lot of agents Don't...
Beyond being really knowledgable, ethical and having a great selection of products to offer, Bill's just good people. If you haven't sat down with him in the Hoschton, Jefferson, Winder, Commerce, Brasselton area, you need to! He can look over the coverage you already have... If you're already good, he'll let you know! If your not, he can tell you some ways to save some money, or to increase your coverage. Life, Health, Disability and Business Overhead Expenses, Medicare Supplements, Benefits, Annuities... Bill has got you Covered. Like the slogan says, Securing your Future, Protecting Your Past!
Would You be ok for a week? A Month? A year?
That's scary right? Know one I know, likes to think about stuff like this. Who does? Death. Disability. Car wrecks. Hard stuff. Pretending it doesn't happen won't make it any better. And certainly hope it doesn't. Why not do one better than just hope it doesn't happen. Hope it doesn't, but make the best preparations you can, that if it does happen, you'll be at least as well off as you are today. There's things you can do. That's why insurance was invented. The concept. Disability and Overhead insurance is just for such an occasion. And it's not just for business owners. Even if you work for someone else, there can be ways that you can benefit from BOE Insurance...
WHAT IS BUSINESS OVERHEAD Expense INSURANCE
Business Overhead Expense Insurance is just like it sounds. It can help to pay the fixed expenses of a business. That can be your business, or in some cases your job. If you work from home, it can help you pay your mortgage. It will pay for office expenses, employees, including yourself and a replacement while your out of commission. It kicks in if something were to come along and render you unable to work.
Be Ready for the unexpected...
So yea, this insurance is awesome, but the whole point is, stuff happens. Like the old parable of the Grasshopper and the Ant. When summer's here, don't just lounge about working on your tan. Work hard, save up, and prepare for the months where there's no excess to be had! If I can help you with this journey by finding a good policy to look out for the unexpected stuff, just give me a call or email. I love helping people take hold of the wheel of life, and get ready for everything!
There's a new president. Everyone's wondering can they ditch there health care provider, have things changed, have they not?
If your not sure where you stand, its a perfect time to call Simpkins and Associates. As independent Health Insurance Agents, we specialize in helping individuals, families and groups find the best coverage, at the best rate.
Don't let the fear of the current state of the market keep you from finding the very best coverage from you. There's no obligation to make any changes. Come in, and find the very best coverage for you!
Simpkins and Associates
4397 Highway 53, Hoschton, GA 30548
Tel: 706-658-2527 Fax: 706-654-2038
Hoschton Georgia's Premiere Life Insurance
Good afternoon North East Georgia! Simpkins and Associates has just recently Revamped our website, and wanted to make it official with a blog post. We are still located in Up Town Hoschton Ga, and as usual can be called upon to help you secure Life Insurance, Health Insurance, Disability & Overhead Insurance, Employee Benefits, Annuities, and Medicare Supplement plans, just to name a few. And we are always happy to share our knowledge of the industry to serve our local community. If you have a question about any of these products, or if we may carry another product, don't hesitate to ask us!
We Look forward to serving Hoschton Ga, for many years to come, and this website and blog will be another extension of that. Stay tuned, and stay in touch.
Simpkins and Associates Insurance
4397 Highway 53, Hoschton, GA 30548
Life insurance is a great product. You can protect your family and loved ones in case the unthinkable should happen to you or a loved one! But, many younger folks get turned off by it, because it is the one insurance product you hope you never have to use.
The reason they think that is because, they just don't know about all the different types of insurance that are available in the market.
Life insurance with living benefits
This awesome product has been around for some time, yet I continue to run into people who have never heard of this.
Life insurance with living benefits, just like life insurance has benefits that kick in if someone should meet an untimely demise, but there are other clauses that can come into play earlier too!
Let's say someone get's diagnosed with a terminal illness. Wouldn't it be nice if you could take the last weeks or months with that loved one to tackle some bucket list items, rather than struggle to the bitter end...
Well, with Life insurance with living Benefits, that is possible!
If you live in the Local Hoschton, Ga area, I'd love to sit down and explain to you how you could have this great insurance product, for around the same cost as normal Life insurance!