Ask Colleen King

All the questions you’ve had about health insurance, life insurance, annuities and long term care insurance (but were afraid to ask)

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Health Insurance and Thanksgiving–huh?

November 28th, 2008 No Comments

Health insurance thoughts are usually more focused on what doesn’t work instead of people being grateful that they have it. Not all plans are good, but most are. The actual cost of care would wipe most people out if something significant happened to their health.

But if you purchase your own coverage or you obtain it [...]

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“I refuse to participate in the recession.”

October 9th, 2008 1 Comment

I recently heard this statement at a sales training session, and it’s become my new mantra. Health insurance and most other types of insurance for that matter, can be really expensive and now’s not the time to be absorbing rate increases.
Even though I sell insurance for a living I don’t like to see people pay [...]

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Health Insurance–Should I use an independent agent or go ‘direct’?

September 16th, 2008 1 Comment

Health insurance tends to be confusing to most people, so going to a big, national web site to decipher what all is available might be okay for some. If you really understand it, then go for it. I can understand wanting to do it on your own and not risk being pressured into buying more [...]

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Life Insurance as ‘Mortgage Protection’ insurance–a so-so way and a much better way to do this

September 10th, 2008 3 Comments

Life insurance is life insurance, right? Many times yes, but with the right type of life insurance your mortgage will be protected in a way that affords your survivors more options.
Have you gotten a mortgage or refinanced a loan lately? About 20 minutes after the close, you started getting things in the mail offering crucial, [...]

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Health Insurance–California and the U.S. aren’t the only places with problems.

September 3rd, 2008 No Comments

I was on vacation last week, and even though I was out of cell phone and computer/wireless range, there’s always someone talking about health insurance.
I was in a cab on the island of Aruba, which is beautiful. My boyfriend and I with another couple had gone to a great beach and in the cab on [...]

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Individual health insurance–explain guaranteed issue plans?

August 29th, 2008 No Comments

When dealing with Individual Health Insurance, depending on your personal health history, it can be dicey to apply because you don’t know whether you’ll be accepted or not and if you are, and are offered coverage at an above standard rate, will it be affordable? Depending on your situation there are some options in California, [...]

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Long Term Care Insurance–how much does it cost? I can pay for it without insurance. Oh yeah?

August 13th, 2008 2 Comments

The problem with Long Term Care insurance when speaking to prospective clients about it is the cost. That may come before or after the denial of the need for it, because none of us want to admit that we need it. At least I don’t, but I bought it anyway. To avoid ever needing it, [...]

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Health Savings Accounts–now you get a more realistic idea of the cost of care

August 8th, 2008 No Comments

Did you know that it doesn’t really cost $10 to see a doctor? The HMO plans have gotten people into the mind set that it’s only $10 to see a doctor. When you have a Health Savings Account (HSA) you have a much more tuned in idea of cost.
In HMO plans mainly, you have a [...]

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Long Term Care Insurance–let me share some stories why you need it

July 22nd, 2008 No Comments

The topic of Long Term Care insurance can be a real tough discussion. We’re talking about something that deals with us aging, being unable to care for ourselves and it can be expensive! That’s uplifting.
I would have been able to put my head in the sand too if it had not been for a few [...]

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Group Health Insurance in California

July 12th, 2008 No Comments

Group health insurance is a HUGE discussion in California. It has been over the past 2-3 years as concerns rise over the uninsured. As well as the cost of health care–wow, it’s all exploding.
The beauty of small group health insurance (2-50 employees) in California is that when a company is set up within certain parameters, [...]

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