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How to lower your group health premium

Group health premiums are calculated on two main factors: The age of the group members. For larger groups, the overall health or claim experience of the group. So unless you can make your group younger or healthier, it’s difficult to…

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One of the best opportunities I’ve ever seen

Did you renew your small group health plan with your current insurance carrier because your broker told you there was nothing better available? A little background: From 1996 to about 2003 there were many companies I could offer, and I…

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“What About The Other 99 Letters I Sent”

Last week I sent letters to 100 business owners informing them of a new small group health insurance option available in TN and 1 person responded. I ran her a quote for Aetna’s “level funded” option for groups in TN…

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When Smart People Make Dumb Decisions

Some people I meet will trust me to the level of simply asking “what should I do.” They listen to my recommendations without suspicion and rely on my judgement. I always tell folks what I would do if I were…

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