Insurance Blog
Comrade Financial Group Insurance blog for news and updates in Maryland, District of Columbia and Virginia
About our Insurance Agency
/in 401K Rollover, Affordable Health Care, Affordable Health Insurance, Annuity Income Rider, Blog, Comrade Financial Group, Customer Service, DC Annuity, DC Group Health, DC Health Insurance, DC Income Annuity, DC Life Insurance, Dental Insurance, Disability Insurance, Family Insurance, Final Expense Insurance, Fixed Annuity, Free Quote, Home Owners Insurance, Indexed Universal Life Insurance, Individual Heath Insurance MD DC VA, Instant Quote, Insurance Agent, Maryland Annuity, Maryland Group Health, Maryland Health Insurance, Maryland Income Annuity, Maryland Life Insurance, Safe Money, Saving Money, Self Employed Insurance, Virginia Annuity, Virginia Group Health, Virginia Health Insurance, Virginia Income Annuity, Virginia Life Insurance, Whole Life Insurance /by Jack FlemingWe put together a quick video telling the world a little bit about why we started, what we do and why we do it. Enjoy and share with your friends. Thanks
Health Insurance Options
/in Affordable Health Care, Affordable Health Insurance, Blog, Comrade Financial Group, DC Group Health, DC Health Insurance, Family Insurance, Insurance Renewals, Maryland Group Health, Maryland Health Insurance, Self Employed Insurance, Virginia Group Health, Virginia Health Insurance /by Jack FlemingComrade Financial Group put together this brief video going over changes for Health Insurance under the Affordable Care Act for residents in Maryland, DC and Virginia.
Open Enrollment Confusion
/in Affordable Health Care, Affordable Health Insurance, Blog, Comrade Financial Group, DC Group Health, DC Health Insurance, Family Insurance, Individual Heath Insurance MD DC VA, Maryland Group Health, Maryland Health Insurance, Saving Money, Self Employed Insurance, Virginia Group Health, Virginia Health Insurance /by Jack FlemingMost people are unaware that yes Obamacare or Affordable Care Act open enrollment starts on October 1st with effective dates of Jan 1, 2012. That is for individuals and family plans. The Small Business open enrollment will start Jan 1,2014 with effective date of Mar 31, 2012. The majority of the people still don’t have a clue about their current plans and if they will continue through that start of ACA implementation. If your current plan was in place prior to Mar 1, 2010 your plan could be grandfathered but please check to see if the benefit level is increasing to match the new required Essential Health Benefits. If not, then your plan is on the old system of doing things. Please check with a knowledgable broker on the subject if you are unclear.
Annuity Carriers
/in Blog, Comrade Financial Group, DC Annuity, Fixed Annuity, Maryland Annuity, Virginia Annuity /by Jack FlemingGreat video about one of my carriers North American. Annuity 123 breaks down all of the aspects about the company. As an Independent Broker companies like North American are indispensable to my and my Agency.
Subscribe to my channel and like and share my videos. Thanks!
The Co Insurance Question?
/in Blog, Comrade Financial Group, DC Health Insurance, Family Insurance, Maryland Health Insurance, Virginia Health Insurance /by Jack FlemingCo Insurance
Every day I speak to people about their Health Insurance. They rarely know what their Deductible is, and almost always they do not have a clue what their Co Insurance is. This is a major problem because having the wrong Co Insurance could make you liable for a whole lot of charges. Comrade Financial Group will always recommend a 0% Co Insurance for all plans we offer Individuals and Families.
What is Co Insurance?
Your Co Insurance is above and beyond what you would pay after your deductible is met. So you tell me that you have a $1500.00 deductible! That is great, but your co insurance is 20%. So lets just say that you incur medical bills in the amount of $15K. You would pay your deductible of $1500, then 20% of the remaining $13,500. Some carriers don’t have Co insurance lower than 40%!
Make sure that your Health Insurance plan has a 0% Co Insurance!
Jack Fleming – Insurance Broker
All about Life Insurance
/in Affordable Health Insurance, Blog, Customer Service, DC Health Insurance, DC Life Insurance, Family Insurance, Final Expense Insurance, Free Quote, Individual Heath Insurance MD DC VA, Maryland Life Insurance, Term Life Insurance, Virginia Life Insurance /by Jack FlemingAll about Life Insurance
Comrade Financial Group can offer you quotes in all 50 States for Term Life Insurance. All you have to do is go to the Term Life Quote section and fill in your information and it is that simple. You can obtain the quote for 10,15,20,30 or even longer. Term Insurance is the purest form of Insurance. You, the insured will pay a premium and the Insurance company will provide a death benefit. The older you get, the more expensive it is. So if you are in your 20’s or 30’s, that is the best time to get a 20 or 30 yr term policy. If you are single, then list your parents as beneficiaries. When you get married and have children, then you can change it with a simple form. There are many types of Life Insurance but Term is the cheapest and purest form of Insurance. Many will tell you that it meant a world of difference because a deceased person took the time and effort to get adequate Term coverage. Think about the people that will miss you when you are gone and those are the ones that will share the burden and cost that Life Insurance is there to absorb. Take the time and get a free quote. Thank You
Jack Fleming Insurance Broker
All About Annuities
/in 401K Rollover, Annuity Income Rider, Blog, Comrade Financial Group, Customer Service, DC Annuity, DC Income Annuity, Fixed Annuity, Free Quote, Maryland Annuity, Maryland Health Insurance, Maryland Income Annuity, Saving Money, Virginia Annuity, Virginia Income Annuity /by Jack FlemingAll About Annuities!
I really wanted to do a blog post about Annuities! In this Economic environment, you really can’t earn a decent return using CD’s. Okay, if you want 1%, that is fine, but with the inflation rate around 3%, you are going backwards. Annuities right now are giving 2 to 3 times that with simple Fixed Annuities. There are many carriers out there offering a variety of products like Fixed Annuities, but their rates are not that much above what you can get for a long term CD. The key is looking for the right Carrier. The best thing or concept I love about Annuities is that you will and can earn Interest on the Interest you already earned. So that is compounding in its most simple form. If you have some savings, a underperforming 401K, or you are just looking to start a rock solid Retirement Plan. I strongly suggest looking into Fixed Annuities as part of your Retirement portfolio. Remember that some Annuities will offer Withdrawal options, some at 5% and some at 10%, these are penalty free. Heck some carriers are offering Premium bonuses just to get one started. Also another important thing to remember that just like any other Insurance product, read everything and make sure you understand it. That is where Comrade Financial Group can help. No Pressure, just information.
Jack Fleming – Insurance Broker
The New Comrade Financial Group
/in Blog, Comrade Financial Group, Insurance Agent /by Jack FlemingThe New Comrade Financial Group
Well, it is almost time to launch the new website. I have been working with a very intelligent Web Designer and friend by the name of Robert Dickson. You see I am switching over to a better technology when it comes to instant quotes on the web. There are several companies out there that can do the job, but this new one i am using just takes the care. The New Quote Engine now can do instant quotes for Life Insurance, Health Insurance, and Group Insurance with Dental and Vision. I am very excited to start using these products to help communicate the most up to date information with my clients. Just a reminder that the name of my business is Comrade Financial Group. Comrade literally means Friend or Ally. In the world of Insurance, we need all of the friends we can get. If you happen to find this post on the web, stop by the site and share it, like it, or tweet it. We greatly appreciate it.
Jack Fleming – Insurance Broker
All about Disability Insurance!
/in Affordable Health Care, Affordable Health Insurance, Blog, Comrade Financial Group, DC Group Health, DC Health Insurance, Disability Insurance, Family Insurance, Maryland Annuity, Maryland Group Health, Maryland Health Insurance, Maryland Life Insurance, Saving Money, Seniors, Virginia Annuity, Virginia Group Health, Virginia Health Insurance, Virginia Life Insurance, Whole Life Insurance /by Jack FlemingAll about Disability Insurance
Individual Disability Insurance is a great idea. It is Insurance designed to replace anywhere from 40-60% of your gross income on a tax-free basis should you become Sick or Ill and keeps you from earning an income. All policies are different and it is very detailed so you can’t really shop online for it. You have to contact an Insurance Broker to find out exactly what you need and expect from the policy. If you work in an office, your premiums will most likely be lower than an Iron worker and vise versa. There is Own Occupation which is the most comprehensive you can get. There are other policies like Income Replacement and Gainful Occupation that pay less but that is the best reason to call someone and discuss your options. No one expects to become Disabled, but it happens and there is Insurance for it. You can also use riders to Life Insurance policies and Annuity contracts that can accomplish the same coverage.
Jack Fleming – Ins. Broker
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