Ask Colleen King

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 [...]

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 [...]

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 [...]

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, [...]

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 [...]

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, [...]

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, [...]

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 [...]

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 [...]

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, [...]