Brokers Health Insurance Newsletter
Managing General Agent for Individual, Group & Senior Products March 2007
In This Issue
College Sports Ticket Winners
WANTED - Health & Life Producers
MAIA "Proud Partner"
Producer Compensation Issue
Missionary & Church Groups are traveling now!
Assurant Rate Reduction
Disability Quiz
Win Tickets To See World-Renown Speakers!
Congratulations to all our sports ticket winners! 
ND LOGO
 
The winner of the Sugar Bowl Tickets was:
Tom Jennings

Congrats to Mr. Jennings and thank you to everyone who entered.
 
Brokers Health Insurance also gave away HOME FOOTBALL TICKETS for the University of Michigan, Notre Dame and Michigan State this Fall.

Winners were: 
  • Brian Kavanaugh
  • Ann Street
  • Gary Stuart
  • Kelly Page
  • Trish Krupin
  • Shani Kavanaugh
  • Chris Brayak
  • Jason Spaulding
  • Al Opas
  • Tom Rossman
  • Tony Ventimiglia
  • Chuck Pfauth
  • Dave McQueen
  • Eric Shippey
  • RayAmicarilli
  • Leo Vespi
  • Dave Clark
  • Ken Sommers
  • Lynn Sommers
  • Stephen Erikson
  • Howard Bowersox
  • Terry Vronko

Quick Links
:: info@brokershealth.com
 
Brokers Health Insurance makes every effort to support our agent partners with a latest high-quality individual, group and senior insurance products.  This updated eNewsletter format along with timely information is one of the ways we hope to accomplish this goal.
 
Brokers Health 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 - Thank you.
WANTED - Health & Life Producers
 
Exclusive Marketing Opportunity For Michigan, Indiana, and Ohio Agents/Producers
 
At Brokers Health we provide our valued Agents and Agencies with:
 
Expert Advice
Timely Communications
"TOP COMMISSIONS"
 
We represent many "A TOP RATED" companies, specializing in HEALTH INSURANCE and niche market products. Currently offering an exclusive contract with Standard Life & Accident Insurance Company (requires specific licensing to write their individual major medical insurance):
  • New health product line through "A Rated Carrier".
  • Highly competitive rates (lowest in most areas).
  • Great commission advanced or earned.
  • Free lead program (production based).
  • Non-captive company direct contracts.
  • Proactive Underwriting - 92% placement Ratio
  • Annual Incentive Trips

Major Medical, Groups and Individual.
Health Savings Accounts and Health Reimbursements Accounts.
Life Insurance and Annuities.
Mortgage Protection Coverage.

Brokers Health invites you to our workshops:

April 3rd - 9:00 - 12:00am - Kalamazoo, MI -  Holiday Inn West - 2747 South Eleventh St, 49009 - 269.375.6000

April 3rd - 1:00 -  4:00 pm - Kalamazoo, MI - Holiday Inn West

April 4th - 9:00 - 12:00 am - Troy Hilton -  Troy, MI - 5500 Crooks Road, 48098 - 248.879.2100

April 4th - 1:00 -   4:00 pm -  Troy Hilton -  Troy, MI

CALL TODAY - Please RSVP (Limited Seating) by calling 1-269-983-0633 or email Mark Wozinak.

"All inquiries are strictly confidential"

MAIA Proud Partner 
Brokers Health is MAIA "Proud Partner" 
The Michigan Association of Insuance Agents has awarded Brokers Health Insuance a "Proud Partner".  We are honored by this recognition.
 
 
Producer Compensation Issue 
The Independent Insurance Agents & Brokers of America - Big "I" - issued a statement regarding the critical issue of Producer Compensation.  For more information available to Big "I" members, visit their website:
 
 
and select "Legal Advocacy".
 
Missionary & Church groups are traveling now! 
Don't miss your opportunity to provide them with quality travel medical products!  Your local churches and missionary groups are making plans now to travel internationally and you can help.  International Medical Group offers a variety of products designed exclusively for these unique groups.
 
We feature Group Outreach Travel Medical Insuance, a plan designed specifically to provide short and intermediate-term coverage for missionaries and other church-related groups that are traveling.
 
For more information about Group Outreach or our other mission products, contact us today!
Assurant Logo 
Assurant Rate Reduction 
First quarter Rate Reduction of 13.77% on all Small Groups for the following four counties in Michigan:
 
Muskegon, Ottawa, Kent & Allegan
 
Request a Group quote by emailing:  info@brokershealth.com
 
New incentive products, earn extra money selling Small Group Products.  Contact us for more information.
 
 
Test your knowledge about disability and disability income insurance.
Try these true/false questions?
  1. One out of seventeen people ages 35 to 65 can expect to become disabled for five years or longer.
  2. Disability is the cause of nearly 50% of all home foreclosures.
  3. To qualify for total disability insurance benefits, you cannot be gainfully employed.
  4. You may purchase enough DI coverage to fully replace your normal monthly earnings in case you are totally disabled.
     
    (Scroll down to see the correct answers.)
Your self-employed clients could be in a world of hurt should illness or accident make earning a regular income impossible, even for a short time.  The same could be true of employees with inadequate or no employer-provided DI coverage.  You really should discuss this with your clients, and that means acquiring enough knowledge to help them. 
Do you know which carriers:
  • will provide coverage for which occupations?
  • offer the best rates?
  • have the highest/lowest maximum issue limits?
  • guarantee that premiums will never increase?
  • offer the option to purchase long-term care insurance sometime in the future regardless of health conditions?
We know.  Give us a call - 269.983.0633

 Answers:

  1. False. The answer is actually about one out of seven people.
  2. True.
  3. False. Many policies allow you to work in an occupation that is different from your usual occupation and still receive full benefits.  This is a standard feature in some policies and a rider in others.
  4. False. The total benefits from all your DI policies combined cannot equal more than approximately 2/3 of your normal monthly earnings (and often is limited to less than 1/2 in higher income brackets)
 
UPDATED - Win Tickets To See World-Renown Speakers!
The Economics Club of Southwest Michigan, whose mission is "to conduct meetings and provide speakers for the purpose of aiding in the creation and expression of enlightened public opinion on the important economic and social questions of the day...but without endorsement of any particular cause." Brokers Health is offering tickets for dinner and speeches to those who enter the drawing. Speakers are:
  • Dean Ornish - Medical Researcher - Monday, March 19, 2007
  • CANCELLED - Mikhail Gorbachev - Past President of the Former Soviet Union - Tuesday, April 17, 2006
  • ADDED - Peyton Manning - Indianapolis Colts Quarteback, Super Bowl XLI Champion & MVP - Wednesday, April 25, 2006
  • John McCain - U.S. Senator - Spring 2007, Date TBA
Brokers Health Insurance | 415 Main Street | Saint Joseph | MI | 49085