Brokers Health Insurance
     Great Lakes Insurance Newsletter
Managing Agent for Individual, Group
& Senior Products
January 2010
Happy Holidays from Great Lakes Insurance
Great Lakes Insurance Management Holiday Office Hours

Wishing you and yours a happy and healthy holiday season.      AmericanCommunityLogo
Below is a listing of the holidays our office will be closed.

Christmas
Closed December 24 & 25th.

New Years
Closed December 31st & January 1st.
New Website Address
Our Email addresses have changed too
www.GreatLakesIM.com

We have changed our website address, the name is shorter and easier, please be sure to point your browser to www.GreatLakesIM.com.  Over the next couple of months you will notice a new design with greater user interaction and flexibility.  Stay tuned!
 
Please make note of our new email addresses below:

Bev Gough            Bev@GreatLakesIM.com
Brian Kavanaugh    Brian@GreatLakesIM.com
AmericanCommunityLogo
Mike Pierce           Mike@GreatLakesIM.com
Ron Neubauer        Ron@GreatLakesIM.com
Ron Cornelius        RonC@GreatLakesIM.com

Pat Decker           Pat@GreatLakesIM.com
Gen
eral Info          Info@GreatLakesIM.com
Short Term Medical Sales Bonus
Now through the end of the year!
    
You know selling Assurant Health Short Term Medical is smart and
simple. Now you have yet another reason to sell: through the end of
the year, earn up to $400 in bonus cash from all Short Term Medical
sales including HealthSaver, the limited benefit Short Term plan.

Earn $100 when you sell your first five Short Term Medical plans

Earn $20 on each of your next 15 Short Term Medical plans, up
to $300 more in bonus cash

That's a payout of $400!


For questions or more information please contact Bev Gough
or phone  (269)983-0633 or (800)782-8190.
Code Blue - Contact Your
Senator Today
To Oppose New Taxes

      Action Alert
The Senate continues to work through H.R. 3590, the Patient Protection and Affordable Care Act of 2009, as we approach the coming holiday recess. One issue that will be debated is the increase in insurer taxes as a result of the bill.
 
As proposed, the bill will increase taxes on insurers dramatically, which will likely result in increased premiums, as well as job loss for those employed by the health insurers. It is important as Congress works toward comprehensive health care reform that they work to ensure that health care is affordable to all Americans and that we do not cause more harm to our fragile economy.
 
Take action today and send your senators a letter urging them to fix the current tax provisions in the Senate bill that would hurt consumers, employers and the overall economy.
 
Thank you for your continued support.
 
 
For more information Email Bev Gough at Bev@GreatLakesIM.com, or call her today at (269)983-0633 or (800)782-8190.
 
Graduating Students .... 
Your new prospective clients
     You can provide protection for graduating students
in this tough economy.
1.5 million students are on track to earn a bachelor's degree in 2009 - one of the highest numbers in a decade.

The unemployment rate hit 10.2% in October 2009 so December graduates are entering the toughest job market in at least 25 years. Employers are expected to hire 22% fewer graduates than last year.Many grads and their parents will need help soon. Upon graduation, graduates are usually no longer insured by a student health plan or their parents' plan. Don't let them take the risk!

Offer your graduating prospects the Assurant Short Term Medical plan. They'll get affordable, dependable coverage with flexible plan designs and payment options.

Assurant can also provide interim coverage for a graduate lucky enough to have landed a job but waiting for employer benefits to begin. Start contacting December grads now.


For more information Email Bev Gough at Bev@GreatLakesIM.com, or call her today at (269)983-0633 or (800)782-8190.
 
Modernizing the Medigap Market
Changes take effect June 1, 2010

Mutual of Omaha

At the federal government's suggestion in 2003 to modernize the Medigap market, the NAIC reviewed the current plans and determined updates were needed given marketplace changes since 1990.

Effective June 1, 2010, consumers on Medicare will choose from these 11 Medigap plans: A, B, C, D, F, high-deductible F, G, K, L, M and N.

Changes from the 1990 standardized plans include:

  • Eliminated Plans E, H, I and J
  • Removed at-home recovery and preventive care benefits from all plans
  • Increased Part B excess charges coverage from 80% to 100%
  • Added a hospice benefit to the basic (core) benefits
  • Created Plans M and N featuring higher cost-sharing at lower premiums
Click here for a benefits checklist from Mutual of Omaha.

For more information Email Bev Gough at Bev@GreatLakesIM.com, or call her today at (269)983-0633 or (800)782-8190.
New Years Resolutions
How to make sure you keep'em
    New Years Resolution It's a stark irony of the Western calendar that the odometer turns over smack dab in the middle of winter-the one time of the year when most people can't rouse themselves to clean their bathrooms, much less make an ambitious, life-changing, behavioral U-turn. If you're the type who likes to ring in the New Year with an engraved list of resolutions, read on for hints about how best to keep them.

Step 1
Aim low. It goes without saying that most New Year's resolutions are easier announced
(or written) than done-but if you set the bar too
high, you're doomed from the start. Instead of a sweeping declaration like "I will lose 30 pounds by April and finally fit into that dress," target a goal that's more attainable, like losing 10 or 15 pounds.

Step 2
Don't overload yourself. It's difficult enough for the average person to follow through on one ambitious New Year's resolution; why on earth would you saddle yourself with three or four? Choose the most pressing issue at hand-losing weight, finding a girlfriend, improving your relationship with your parents-and concentrate on that. Trying to do everything simultaneously practically guarantees failure across the board.

Step 3
Tell everyone you know. One school of thought says that New Year's resolutions are best kept to oneself, but look at it this way: the more people to whom you announce your resolution (say, to get out of your dead-end job by spring), the more people there'll be to prod you along if you fall behind. There's no shame in seeking help if you can't accomplish your resolution on your own.

Step 4
Reward yourself. Following through on a New Year's resolution is rarely easy, so a little Pavlovian conditioning goes a long way. If you've resolved to shop less, stroke yourself for not buying those shoes by springing for a steaming hot cappucino at the mall. If you've resolved to be nicer to people, buy yourself a nice jacket after enduring that tedious cocktail party without delivering any insults.

Step 5
Wait until spring. Sometimes the best way to accomplish a New Year's resolution is to make it at a time of year of your choosing, rather than the one dictated by the calendar. May 1 is a good alternate date, since the change of season will neatly coincide with the change you're hoping to accomplish in yourself.


AmericanCommunityLogoA Managing General Agent (MGA) and General Agent (GA), providing assistance to independent Agents and Agencies throughout the Midwest with products and services which increase their sales and market growth in the individual, group and senior insurance markets.

Great Lakes Insurance Management began company operations back in the early 1970's in St. Joseph, Michigan. We provide services to agents via a staff of experienced and trained insurance professionals.
In This Issue
Holiday Hours
New Web Address
Short Term Medical Sales Bonus
Code Blue - Action Alert
New Clients
Modernizing the Medigap Market
New Years Resolutions
2010 Trip
Quick Links
Newsletters

tropical photo
SAND, SUN
& FUN!!
Sun drenched beaches await qualifying agents for a week of fun with Great Lakes/Brokers Health!
 
THERE IS STILL TIME TO QUALIFY FOR OUR TRIP!
As well as for the American Community, Assurant, World and Colonial Life's trip.
 
Great Lakes/Brokers Health is the only brokerage where you can earn double credit.
 
SIGN UP TODAY - We're leaving sooner than you think
Great Lakes Insurance Management offers a world-class quiver of products and services to assist our agents with unparalleled support.  Let us know what we can do to increase your book of business in any way.  Thank you!
 
Great Lakes Insurance Management values your privacy so we will never share your email address with anyone.  Contact us anytime with any questions, comments or ideas you may have.