SBT Marc Manor Healthcare Insurance Specialist

Marc Manor San Diego Independent Healthcare Insurance Agent | Right Decisions and How to Make Them

Marc Manor San Diego Independent Healthcare Insurance Agent says “There are many myths and misconceptions about Health Insurance and Financial Protection in the minds of the general public. They are easily dispelled by doing a little research and asking the right questions”

There are many people who think that agents are trying to sell them an insurance policy that is best for the agent and not necessarily the best for them and their family. While a there has been numerous instances of unscrupulous practices by some agents, the majority of agents are honest, hardworking people just like their clients.

Some important things you should look for when you need a Health Insurance Professional are;

• Is the agent licensed? Additionally, in California, agents are to display their license information on all their advertising (business cards, web sites etc. License information in California can be verified at$.startup
• Is the agent appointed with the company? This information is also available on the aforementioned website after you locate the agents name and click on the license number (frequently insurance products are underwritten by a parent or associated company of a different name. The name should be easily located and verifiable).
• Are there any references, testimonials, or complaints associated with the agent. Does the agent have any advanced certifications such as Consumer Directed Health Care (CDHC) Certification?

In choosing the right Health Insurance Professional you should prepare a list of questions.

What if I can’t afford the coverage, can I cancel?

Healthcare coverage should only be cancelled during the open enrollment period. This is because in order to meet the requirement to obtain replacement coverage, certain requirements must be met. These requirements are referred to a “special” or “qualified” enrollment. You will not qualify for a special enrollment period if: you terminate coverage voluntarily, your coverage is terminated due to fraud, you fail to pay a premium, or you lose coverage for plans like Short Term Medical or Fixed-Benefit Insurance. A qualified agent will help fit a plan that is affordable so cancellation should not be required.

What if I am healthy and I feel I don’t need health insurance?

It’s true that a healthy person may think they not use insurance; however, no one is immune to sickness and/or injury and sickness and/or injury can lead to costly medical bills.

Will I be able to keep my doctor/physician?

Healthcare insurance typically is structured as a “network” of providers. The two most common types are Health Maintenance Organizations (HMO) and Preferred Provider Organizations (PPO). Typically the HMO is more structured and requires the insured to remain within the network. PPOs on the other hand, have a little more flexibility in that; the insured can usually go outside the network but at a higher cost. It is always best to ask the agent when choosing a plan, to look up any preferred physicians prior to purchasing a plan. Supplemental products such as accident and cancer coverage typically have no network restrictions.

May I enroll in a Health Savings Account (HSA) if I choose this plan?

HSA’s can be very helpful in offsetting the costs associated with deductibles and co-insurance. HASs allow the insured to set aside tax-advantaged dollars that can be used to cover out-of-pocket medical expenses.

How much supplemental coverage can I afford?

Most people can afford the equivalent of 1-2 hours of their wages per week. The 1-2 hour formula can serve as a starting point for most individuals/families. After that, it becomes a matter of compiling the current liabilities a person should consider. Each person or family has unique situations. Many times an objective opinion on who best to manage a family budget is a good idea.

How do I file claims?

This question does not come up as often as it should because most people think as long as they have an insurance card, their claim will be paid directly from the insurance company to the health care provider. This is generally true for major medical insurance; however, supplemental and indemnity insurance plans sometimes need to be filed separately by the insured. Some agents will assist in the claims process, other companies have claims personnel that can be reached via telephone at the home office. Be sure that it is clear how the claims are paid and who to contact if the need arises. A time of crisis is usually not the time to be looking through the file cabinet for contact numbers. Keep contact phone numbers along with policy numbers accessible to expedite the claims process.

You can see more about Marc Manor at Small Business Trendsetters
On CNN iReport

On his Web Site
Or by calling 619-798-8240

250X250 SBT Brian Livesay San Diego

Brian Livesay San Diego Financial and Tax Planner | Reduce Risk and Build a Life Plan

See My Who IsBrian Livesay San Diego Financial and Tax Planner says “I like to think of a holistic approach, combining many important areas of finance into one life-plan. Not just financial planning, but a system more aptly described as Life-Planning.”

When you combine three components, tax planning, retirement planning and risk-reduction you get what can best be called a “Tax-Free Retirement Income System” and that is Life Planning.

The most important component of your life plan is risk reduction.

Start your plan with risk-reduction because no matter how great your track-record of building wealth is, your approach must provide more safety and security than traditional financial planning.

For the most part, the way risk management is addressed in financial planning is something like: “You’ve got this nice little pie chart here; you’ve got so much in these different types of investments, x amount here in small-company stocks, in mid-company stocks, growth and value… and there’s a little bit of bonds in there too, so that should significantly reduce the risk for you.”

Unfortunately that is not always the case, and as a matter of fact there are far too many people who are positioned in high-risk portfolios right now. Because we’ve had a five year market run-up, too many people underestimate their level of risk, focusing on the opportunity cost of exiting the market, rather than the peril of having most or even all of their assets in fluctuating investments, with no downside protection. You must implement real, tried-and true methods to reduce your risk and plan a lifetime of income you can never out-live.

Another important part of Risk-Reduction is protection from financial catastrophe that often devastates individuals and their families due to critical, chronic, or terminal illness. Right now, 3 in 5 bankruptcies in the United States are filed due to medical reasons. Simply put, if you can’t work, you can’t pay; if you are responsible for your family, an elderly parent or grandparent, it’s even more devastating.

When it comes to Life-Planning, this problem is not just a pothole or another bump in the road. It’s a sink-hole and one that most people will never climb out of. Your life-plans must equip you to handle future medical costs while building wealth at the same time. That adds up to greater peace of mind and enjoyment of life in the present.

For more about and by Brian Livesay go to Small Business Trendsetters

or CNN iReport

You may also contact Brian Livesay in his office at 1761 Hotel Circle S., Ste 360, San Diego, CA 92108
Or by Telephone 866-726-0725

3X3 Jim Porter

Jim Porter San Diego Insurance Specialist Points Out The Questions You Should Ask and The Decisions You Should Make

Jim Porter San Diego Insurance Specialist says “Cost comes up a lot. Ask yourself if cost really is the most important part of buying Insurance.”

Several other questions carry a lot more weight than the cost.

Ask about the Insurance Company that is being recommended to you. Include that in the question about the local agency. Who owns the agency? How long have they been in business? How long have they represented the Insurance Company they are recommending to you? A broker has many Insurance Companies to represent. Some of those companies have come and gone. The ones which have stuck around did so because they treat the broker and their clients well.

Insurance agents are everywhere, so what sets one apart from another? What is their experience? Where else have they worked? How do they handle a claim? How do they describe Customer Service?

Probably the most important question is how much coverage you should have.

The best general answer to that question is that you should have liability protection at least equal to the value of your assets. In other words, look at the value of all of your things; property, money, and all of your other valuables. Add it up; that gives you a really good starting point. Some people think not having a lot of stuff is a good excuse for not carrying much insurance. You worked hard to earn your things, why not protect them adequately. Also, people frequently don’t think of future income when calculating the total value of their assets.

Then there is simply Property Damage Insurance. If you hit and totaled a Tesla or Bentley, and you had relatively low coverage, how would you pay the difference between what your coverage would pay and the actual loss?

Sometimes it is the little decisions we make that come back to bite us. Let’s say you are deciding on the coverage for an automobile policy. You can add rental reimbursement onto an auto policy and the cost will be $30/year. While that policy is in effect if you are involved in an accident and your car has to go to the shop to get fixed the company will reimburse you for renting a car at the rate of $25 per day while your car is in the shop.

Now let’s say that feature is offered but you decide against it at the time of purchase. How will you react when you are involved in an accident and now have to pay for the car rental out of your own pocket.

Have your agent or broker review and explain all of the features in the policy. Make your decisions carefully.

See more about Jim Porter at
And on CNN iReport


Radio Jack Warren San Diego Business Radio Personality | the Digital Revolution and Giving Control to a Foreign Power

Radio Jack Warren San Diego Business Radio Personality says “The Internet is the greatest resource to reach large numbers of people.”

Many people believe that you have to be an expert in order to do talk radio. Of course it helps to be an expert, but it really is not necessary. What is important in talk radio is that you are able to carry on a conversation, speak your mind; articulate a point of view that other people find interesting or helpful.

Everyone has interesting stories. That may be the story of your life, testimonials of fact or simply voicing an opinion.

Jack gives a for instance, “I am a former air traffic controller. I have an opinion about the disappearance of flight 370 in Indonesia. My opinion is interesting because it comes from a different point of view. It comes from the point of view of someone who talks to pilots.”

People will listen to that conversation because they find it is viewing the situation from a unique Perspective. Everyone has those kinds of stories they simply do not get on a microphone and articulate.

In the days before the Internet a radio conversation was, for all practical purposes, over and gone as soon as it was aired. Today, because of the Digital Revolution, that conversation can be recorded to an mp3 format and repurposed to reach the speakers exact audience.

Whatever social media a person uses, Facebook, Twitter, LinkedIn Or Google plus, that mp3 can be posted and played over and over again and can live for years.

We are all creatures of habit. We want things to stay the same. Unfortunately we’re living in a faster paced world. What we have experienced since the advent and consequent growth of the Internet is the Digital Revolution.

The digital revolution has even spread to the auto industry. They recently announced that AM and FM radio would now be an option rather than an automatic standard feature of new cars.

The Internet was conceived and developed within the United States. The controlling body of the Internet is ICANN (Internet Corporation for Assigned Names and Numbers. ICANN is a nonprofit organization that coordinates the Internet’s global domain name system.)

There currently is discussion underway as to whether or not to control as to whether or not to turn control of the Internet over to International sources, possibly to the UN. The pro position is that it will allow ICANN to become a global organization without US oversight. The Con position is that it will permit censorship by foreign governments, allowing the possible blocking or erasure of any certain domain name.

Jack is not in favor of turning over the Internet to international forces because the results of that turnover are unknown. Jack says “Freedom of speech is the cornerstone of our country and I believe it is a basic human right, not so with many other countries of the world. We have seen other countries shut down publishing, media and the internet or parts of it, such as Facebook or Google. They can shut down anything that does not agree with the government line. That certainly is not freedom of speech.”

See or read more about Radio Jack Warren at
And on CNN at

misha transparent

San Diego Fundraiser Mesha Tomlinson Helps Fledgling Nonprofits

San Diego Fundraiser Mesha Tomlinson was asked “My nonprofit is brand new, I am just starting, how can I accept money from donors?”

Before any nonprofit is established, and have their 1023 filed, any money they accept from a donor cannot be a write-off by the donor. A nonprofit in its infancy can accept donations and give a write off to the donor if they have a fiscal sponsorship by a qualified nonprofit which will carry their nonprofit exemptions until they are able to file their own 1023s and file their own taxes, the 990’s for nonprofits.

Any donation over $250 must have a letter of containment, basically a “Thank You” letter.

A startup nonprofit must understand that grants and scholarships are not available to them when they are just starting. Those will become available when the nonprofit finally does start filing taxes. The IRS wants to see a track record before the nonprofit applies.

Profits from the proceeds of a fundraiser may not be used for such things as salaries. All proceeds must go to the beneficiary of the fundraising event and cannot be used to pay overhead. All expenses must be paid before any money is collected.

There are two types of nonprofits. One operates with all volunteers and the other is a Foundation.

Mesha’s mantra is “Mistakes are what we call our experiences. Discovery is what we call our achievements.”

Read more about Mesha’s views on nonprofit fundraising by visiting

Small Business Trendsetters


Joe Madden San Diego Insurance & Financial Specialist – IULs No Risk of Loss

Joe Madden San Diego Insurance & Financial Specialist, had a long career as a football coach in college and in the NFL. As most dynamic individuals, Coach Madden could not just sit and do nothing in retirement.  Mr. Madden has transformed into Financial Coach and a big booster of Index Universal Life.  The following is a reprint of the article that appeared in The Small Business Trendsetter on line magazine.  See that article here,

Imagine a world where you could set money aside for retirement and not worry about losing any of it.

One of the best kept secrets in retirement planning today does just that. It’s called an IUL, Index Universal Life. The IUL is based on the stock market index of your choice, Standard & Poors or the Dow as examples. The IUL is based on whole life insurance, but instead of the cash values accruing at a given rate, those cash values are tied to the index you choose. If the value of the index goes up, you get paid. If the index goes below your purchase price, you do not lose.

As an example, your IUL let’s say the Cap is set at 15% and the Floor at zero. If the index gains 20% the insurance owner will profit 15% growth in the cash value. In the following year, the index games 8%, the gain will be 8%. The next year, if the index goes negative the insurance owner will not lose a dime. There is a floor of zero so there will not be a market loss.

Because the investment tool is Life Insurance, the gain is not taxable and the gain is compounded year after year. And, as Albert Einstein said, “compound interest is the eighth wonder of the world”.

The problem for the person planning for their retirement stems from misunderstandings of how Life Insurance works. Most people only consider life insurance as a death benefit to their heirs. They do not realize the many living benefits of a life insurance policy, compound interest being only one of many. Your tax attorney or your CPA can explain the tax advantages of Life Insurance.

Starting in the early 60’s people have been told “Buy term insurance and invest the rest.” Arthur L. Williams, professor of Insurance and Real Estate at Penn State University complete(d) a study regarding the fate of term insurance policies. Two of the facts discovered in this study are; less than 1 policy in 10 survives the period for which it was written and only 1% of all term insurance resulted in death claims. Professor Williams says, “the odds are 100 to 1 against term insurance ever paying a death claim.”

Another major problem with term insurance is the fact that term life insurance periodically your policy must be renewed which requires a physical you may not qualify due to a recent development in your health such as high blood pressure, high cholesterol etc. You may have already reached a point in your life where you can no longer afford the premium because your age prohibits you from purchasing life insurance.

Another major misunderstanding is Life Insurance provided by an employer. It is almost always term insurance and has no value in planning for retirement. Ed Slott, nationally recognized expert on retirement funding says,“People don’t think to save outside of work (for retirement)”

Read more from Ed Slott here:

Read more about Arthur L. Williams, professor of Insurance and Real Estate at Penn State University and the study on Term Life Insurance and the study about Term Life Insurance here:

Joe Madden, San Diego Insurance & Financial Specialist, is a retired College and NFL Coach (with the San Diego Chargers 1989, on special teams) who now specializes in IULs. Mr. Madden can be contacted at his office, 312 Highland Ave., Ste. 200 in El Cajon, CA 92020 or by telephone, 619-230-8850

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