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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.

 

 

 

 

 

 

 

The Ins and Outs of Workers Compensation Insurance

Posted on: May 7, 2014 By: Kevin Tavakoli

Employees and employers often find the workers compensation system confusing. Here are three of the most frequently asked questions:

Who pays for workers compensation?
California law requires most employers to provide workers compensation insurance. If a business has sufficient reserves, the benefit can be self-insured. Other businesses can purchase policies through insurance carriers.

Who is covered by workers compensation?

Full- and part-time employees, management, business owners and partners can all be covered by workers compensation. Contractors and temporary employees may also be covered, depending on whether a staffing agency provides coverage.

What does workers compensation cover?
Employees who are injured or fall ill on the job can receive coverage for:

1. Medical treatment, tests, and medications
2. Compensation for time missed from work (usually two-thirds of the employee’s salary)
3. Permanent disability payments if the employee cannot return to work (based on the employee’s salary, age and the extent of the disability).
4. Rehabilitation to help an employee return to work or learn a new skill. Employees do not have to accept rehabilitation.
5. Transportation costs related to treatment and rehabilitation.

In addition, family members and dependents may receive death benefits if an employee does not survive the injury or illness.
 

To learn more about business insurance options in the Los Angeles, California area, contact Save-On Health Insurance Services.

Affordable Care Act Answers You Need

Posted on: October 21, 2013 By: Kevin Tavakoli

As the Affordable Care Act (ACA) gets closer to reality, there are more questions than can be answered in advance. However, your trusted source for valuable health coverage advice in Los Angeles and throughout California, Save-On Health Insurance Services, Inc. offers these answers to some important ACA questions.

What If I Don’t Have Health Insurance in 2014? If you don’t get coverage in 2014, you may need to pay a fee of 1.0 percent of your annual income or $95 per person, whichever is greater. The penalty increases to 2.5 percent or $695 in 2016. Open enrollment ends on March 31, 2014.

Are There Any Exemptions from Penalty Fees? You might qualify for an exemption if you have evidence of an item on a list of conditions that create "hardship exemptions."

Am I Eligible for Insurance with a Pre-Existing Health Condition? Yes. You cannot be refused coverage for pre-existing conditions.

How Can the ACA Help Me? The Health Insurance Marketplace in California offers you more money-saving choices for healthcare coverage.

If you’re uninsured or under-insured, contact Save-On Health Insurance Services, Inc. to get more answers to your questions. They have been serving California residents for over 28 years with all types of affordable insurance coverage. The Save-On Health Insurance Services professionals will help you navigate the confusing subjects of the Affordable Care Act.