Why you Shouldn’t purchase Health Insurance on-line (Call Me instead)

Support your local Agent Frederick Myers Covering the state of Florida
1. The cost is the same. Whether you choose an agent or an online service, it does not cost any more to have an agent.
2. We all like supporting our local economy, buying health insurance through a local agent is one way to help support your community.
3. Agents can advise better options. It’s health insurance and it’s a big decision. You’re supposed to have questions, however, asking a website is never easy. Asking a professional ensures you’ll purchase the right plan for you.
4. You will a have consistent contact person so you will never have to call toll free numbers. Whether it’s a change of address, an addition to the family, or a simple question, it’s nice knowing a familiar face will answer your question without the hassle of a call center.
5. Local agents can assist you with billing and claims issues. Your local agent acts as your personal advocate and will help solve the billing and claims issues in your time of need.
6. Local agents are your friends, family, and neighbors. Not a computer. Often times you already know a health insurance agent and may not realize it. Send a shout out on social media to see if you know any health insurance agents. You’ll be amazed at the results.
7. Local agents can help save you money by showing you how to bundle. If you’re already asking yourself what a “health insurance bundle” is, you could use the assistance of a local agent.
8. Local agents have a local office you can come to talk in person. Face to face interaction and a friendly handshake is best, but never an option with online health insurance. By selecting a local agent, you can always reach them via phone or by visiting their office.
9. Local agents are licensed, trained and are aware of the ever-changing laws. When in doubt, asking an insurance agent is much more efficient than asking a computer. Not only that but as they live in the same community, they’re familiar with the laws in your local area.
10. Local agents specialize in individual, employee benefits, Medicare, and ancillary benefits. One person has all the information you’re looking for, take full advantage of this person and the tremendous value they offer.

Fill out the contact us form to get in contact with this local agent. Your friend in the business. Follow on Twitter

Financial Checkup

This is the start of the new year and it is a good time to see if you are where you want to be financially. How to do a checkup you ask? First start with doing a budget assessment with what is going out versus what is staying in. If more is going out like most people you will have to make some simple changes. How are those long term financial goals going for you? Here at IKLA Myers Life Health Insurance, we have a wide assortment of financial instruments that maybe able to help you attain those goals. Click the link to contact me on the web. Follow me on Linkedin IKLA Myers Life Health Insurance@IKLALIFE Twitter.

ENROLLMENT TIME !

As by now you are most likely looking over your plan and wondering if your plan is best suited for you for the year. Most of the people that I have talked with in the field tells me that they are all set. It makes me wonder if the people don’t want to change for the sake of changing. If your plan satisfies your needs then by all means keep it. If you are afraid because you don’t understand the new changes for this open enrollment period then you should set an appointment with me. Let me explain to you what the new changes are and how they will effect you. Call or click today to set up a no appointment fee consultation. I am here for you. Your friend in the business.

Medicare Advantage plans enrollment date

Mark your calendar for October 15 2018 because that is the annual enrollment period for Medicare Advantage Plans and PDP. Now is the time to start looking over the old plan to see if you would like to change it. I will start giving seminars in the months to come. You can go to www.iklamyerslifehealthinsurance.com to find out more information or enroll(if you will be turning 65 within the next 3 months). If you have any question about this year enrollment process, I will be trying a new method of contact. You will be able to follow me on Facebook and message (inbox) your questions to me this year I will try to reply via Facebook. This is going to be very exciting. I am ready to try this method out. If it goes well I will then implement my methods to google plus and LinkedIn. So for the next few months there will be plenty of ways to contact me. So call click or email your friend in the business.

Medicare Advantage get ready

The Annual enrollment period for Medicare open market will begin October 15 2018. It is now time to contact your local agent Fred Myers. Some of the plans have changed so be sure to look over your plan to see if it still fits your needs. For those that will be turning 65 within the next three months now is a good time to set an appointment with me. www.iklamyerslifehealthinsurance.com . Please don’t wait until the last moment because time slots will fill quickly. I am AHIP certified for the 2019 plan year and I am ready to help you. Please click or call to get this valuable information. You don’t want to miss out on this great opportunity to get all your questions answered. Follow me on facebook linked in or google plus Remember I serve Central Florida and you have a friend in the business.

How to Find the Right Life Insurance Agent

Finding the right life insurance agent can be a real challenging task. What do you look for in an agent? Like many of us we don’t think of these things until it affects us personally. Someone that you know maybe a friend, family or co-worker has have an event which has now called you to take action. But where should you start? Some methods are tried and true mainly getting recommendations or referrals. This is better than opening up the phone book for a random search. I would take a genuine referral rather than a rating off of a website. With a referral, a person can go into details of telling you how knowledgeable, honest, and sincere the agent was. I happen to be a local (Brandon FL) independent agent serving all of Central Florida. I am making it my mission to do business this way. I would like for you to tell everyone that you know just how knowledgeable, honest, and sincere I am. This is how you find the right life insurance agent. I am on the web at www.iklamyerslifehealthinsurance.com feel free to visit my site. I would like you to know that you have a friend in the business. Feel free to add a comment if someone referred me to you. I would like to know because that means I am doing business the right way.

Information from IRS about Life Insurance scam

Just a quick intro to this piece. We as agents must always protect our client. This is the number one priority if you are going to be in this business. That means no commission if the client’s best interest is not first. At IKLA Myers Life Health this is part of the core values that I base my business on. Scammers are using fancier or more official papers but the core element stay the same. They first try to get information from a first party and then pose as them to dupe the second party. Please remember to always check whom you are giving out your personal information to. Remember you have a friend in the business. www.iklamyerslifehealthinsurance.com Please see article below.

IR-2017-171, Oct. 12, 2017
WASHINGTON – The Internal Revenue Service today alerted tax professionals and their clients to a fake insurance tax form scam that is being used to access annuity and life insurance accounts.
Cybercriminals currently are combining several tactics to create a complex scheme through which both tax professionals and taxpayers have been victimized.
There may be variations but here’s how one scam works: The cybercriminal, impersonating a legitimate cloud-based storage provider, entices a tax professional with a phishing email. The tax professional, thinking they are interacting with the legitimate cloud-based storage provider, provides their email credentials including username and password.
With access to the tax professional’s account, the cybercriminal steals client email addresses. The cybercriminal then impersonates the tax professional and sends emails to their clients, attaching a fake IRS insurance form and requesting that the form be completed and returned. The cybercriminal receives replies by fax and/or by an email very similar to the tax professional’s email – using a different email service provider or a slight variation to the tax pro’s address.
The subject line varies but may be “urgent information” or a similar request. The awkwardly worded text of the email states:
Dear Life Insurance Policy Owner,
Kindly fill the form attached for your Life insurance or Annuity contract details and fax back to us for processing in order to avoid multiple (sic) tax bill (sic).
The cybercriminal, using data from the completed form, impersonates the client and contacts the individual’s insurance company. The cybercriminal then attempts to obtain a loan or make a withdrawal from those accounts.
The IRS reminds tax professionals to be aware of phishing emails, free offers and other common tricks by scammers. Those tax professionals who have data breaches should contact the IRS immediately through their Stakeholder Liaison. See Data Theft Information for Tax Professionals.
Individuals who receive the insurance tax form scam email should forward it to phishing@irs.gov and then delete it. Individuals who completed and returned the fake tax form should contact their insurance carrier for assistance

How to find an Insurance Agent

How to find the right insurance agent for your needs.  There are many different situations that will call for an insurance agent.  My first question for you is “what will you be insuring”.  Once you have that figured out you can narrow the process down to one type.  Here is where it gets tricky.  You have to do your homework on what are the qualifications and qualities that you are looking for in an agent.  You can then decide if you want one from a big company  or a small local agent.  As for me I am a local agent serving the Central Florida area.  And as always I am just a click, call or email away.   Remember you now have a friend in the business.

 

www.iklamyerslifehealthinsurance.com

IKLAMyers Life Health & Annuities

Where is that local independent agent?

 

If you can’t find that local independent life insurance agent he is probably out protecting someone’s most valuable assets.  Insurance is not a financial tool that you use to make a profit.  If you are trying to profit, then you  would get some type of speculative risk product.  One example would be a (any name) trader account.  Insurance is for indemnity.  That means to make a previous item (a loss) whole.  It is to restore a loss or get you close as possible to the previous state (before the loss occurred).

Insurance is of a personal nature by design.  The personal factor can’t be measured.  There is no such thing as an emotional or memory meter to gauge feeling.  What we do have is guidelines.  So you see your local insurance agent takes all of that into consideration when he is working for you.  Will you let me work for you today?  www.iklamyerslifehealthinsurance.com  Remember you have a friend in the business.