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What kind of annuity is right for you?

Posted on: June 25, 2014 By: Kevin Tavakoli

An annuity can be an appropriate investment for anyone who is looking to generate a stream of income in the future. Annuities are sold by insurance companies and are aimed primarily at people looking for a guaranteed source of income when they retire. There are many different types of annuities and many different insurance companies that offer them. 

An annuity can be immediate or it can be deferred. With an immediate annuity, you make a one-time lump sum payment and begin receiving monthly payouts immediately. With a deferred annuity, you make a payment today and start receiving monthly payouts at some point in the future. 

You can purchase an annuity that will guarantee income for the rest of your life, or, you can purchase a period certain annuity that pays out for a specified period of time like 10 years. When you purchase an annuity, the amount of your monthly check is determined by such things as the amount you invested, your life expectancy, and the rate of interest you receive on the annuity. 

Annuities are complicated financial products and it is always good to review them with an insurance professional before you buy. For answers to all of your annuity questions, please contact Save-on Health Insurance Services in Los Angeles, California.  

Five Things You Must Do Before Selecting An Insurance Agent

Posted on: May 12, 2014 By: Kevin Tavakoli

Everyone needs insurance; however, many people don’t put much thought into selecting the right agent.  Selecting the right insurance agent should be as important to you as selecting the right doctor. 

The most likely reason people don’t spend enough time qualifying their prospective insurance agents is probably because they don’t know what to look for or the right questions to ask. 

Here are some quick tips that will help you find a good insurance agent.

1.  Find out if they’re an independent insurance agent or just an insurance agent.  An independent insurance agent is a small business owner who represents several different insurance companies and therefore will be able to shop the best deal for you.  Whereas an insurance agent sells directly to you without an agent and only works for one insurance company so he won’t be able to shop around for the lowest prices for you. 

2.  Ask your friends, family and co-workers for referrals. 

3.  Browse your prospective insurance company’s website.  Is it full of information?  Read about their history and each of the staff bio pages.  Do they have any customer testimonials?

4.  Look for their credentials.  If an agent has letters next to their name on the website or on their business cards, that’s an indication that they represent professional designations.  For example:  CIC stands for Certified Insurance Counselor, CPCU stands for Chartered Property and Casualty Underwriter, ARM stands for Associate in Risk Management.  An agent is required to take continuing education classes in order to maintain these designations.  Therefore, he has the knowledge necessary to provide you with professional recommendations that would best suit your needs.

5.  Take some time to personally interview your prospective insurance agent to get a feel for their knowledge and their integrity. 

After performing your due diligence and have found an insurance agent that has the expertise you’re looking for, you can rest assured that you’ve probably found a good insurance agent who will be able to provide you with exceptional service for years to come.

If you’re in need of insurance, please contact us.  Save-On Health Insurance Services is an independent insurance agency in Los Angeles, California.  We have been serving this community for more than 20 years and we represent only the top rated California companies so we can offer you the lowest possible prices.

 

 

 

 

 

 

 

Do I Need to Sign Up for Medicare?

Posted on: May 2, 2014 By: Kevin Tavakoli

For most people, the first chance to sign up occurs in the year they turn 65. The first sign-up period lasts seven months before and after a person’s birth month.  If you were born in May, for example, the period would run from February to August.

If you don’t sign up during your first eligible period, you can enroll later during Medicare Open Enrollment, which runs from January 1 to March 31. Late enrollment could mean you pay a higher premium, so be sure you’ve considered your options carefully.

The situation changes if you want Medicare Supplement or Medicare Part D insurance, or choose a Medicare Advantage Plan. You will need to sign up for those through a private insurer.

Contact Save-On Health Insurance Services, in Los Angeles, California, and help you with all of your retirement insurance needs. To learn more or schedule an appointment, contact us.

Understanding Your Health Insurance Coverage

Posted on: April 28, 2014 By: Kevin Tavakoli

Knowing what your health insurance will cover is important to understanding what will be paid out of pocket during any hospital visits. 

There are different coverage options you can choose from, the most common being:

  • PPO: This coverage will give you access to services for a reduced cost. This coverage will cover all or most of the cost for a treatment. 
  • HMO: This a group plan in which you pay a flat fee. Then you will have access to services from hospitals that participate with this coverage. Typically, you will pay co-payments, but you will not have to pay deductibles. 
  • Fee-For-Service: This is the most traditional type of coverage in which you will be able to visit any doctor of your choice. During your visit, you will pay for the services then make a claim with your health insurance for reimbursement. 

With Save-On Health Insurance Services, we will help you find a health insurance option that is affordable, but will still provide high quality services. Every individual qualifies for different conditions on their health insurance coverage. It is important to use our services to find the perfect match for your own individual needs. 

 For more information about your health insurance coverage in California please contact Save-On Health Insurance Services, located in Los Angeles.

Aetna Leaves California’s Individual Health Insurance Market

Posted on: November 13, 2013 By: Kevin Tavakoli

Aetna began pulling out of the California individual insurance market in July, 2013, when it stopped selling individual health insurance policies in the state, and the company plans to stop servicing existing individual plans as of January 1, 2014. If you’re an individual plan policyholder with a plan from Aetna, this means you’ll need to find new coverage at the start of the new year.

Fortunately, with plenty of other insurance options in the state, it’s easy to find a health plan that suits your needs. The agents at Save-On Insurance Services are authorized to sell health insurance plans from HealthNet Insurance, Anthem Blue Cross, Cigna Insurance, Kaiser Permanente and Blue Shield of California. You can compare plans and prices on our website to find the right one for you at www.save-onhealthinsurance.com.

Contact a helpful agent at Save-On Insurance Services to learn more about your insurance options in the greater Los Angeles area.

Independent Agent Offers Many Health Insurance Options

Posted on: November 11, 2013 By: Kevin Tavakoli

The national health insurance landscape is about to change dramatically. The coming months and years will display whether the American people benefit from these sweeping changes. The Affordable Care Act (ACA), scheduled to take effect in 2014, demands changing the healthcare insurance marketplace.

Since every state will have its own online marketplace to shop for health insurance, the options are accessible. However, individuals can easily become confused and frustrated with the coverages and provisions of the many new health insurance plans. Their questions are many; the answers seem insufficient.

Enter a trusted, experienced agent, such as Save-On Insurance Services. Instead of cutting through the noise of each insurance carrier telling you that they are the best, you can simply contact the professionals at Save-On Insurance Services in the Los Angeles, California area, an authorized agent for numerous health plan options.

The proven independent agency is authorized to represent many of the most trusted providers of health insurance. Save-On Insurance Services menu of carriers includes the following well-known companies.

  • Blue Shield of California
  • Anthem Blue Cross
  • HealthNet Insurance
  • Kaiser Permanente
  • Cigna Insurance

If you’re not as familiar with Save-On Insurance Services as you are with the above carriers, just imagine the credentials needed to be approved by and authorized to represent these long famous health plan providers. This alone should increase your trust and comfort in Save-On.

Instead of trying to navigate the confusing waters of the ACA by yourself, contact Save-On Insurance Services, to use their expertise to explain the pros and cons of plans you want. They’ll help you find the coverage you want at a price you can afford.