Carriers

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As Insurance Brokers, we are independent from the mainstream large brokerage houses that spend thousands of dollars on traffic generators and instant quote websites. If you want that kind of service and products, they are out there.

We strive to make the insurance process very personal and delicate to make sure we cover all the bases. Knowing you and what you want is paramount is selecting what carrier and which product fits you best. We do offer mainstream products because the main carriers in the game sometimes have the best products. They are aware of market conditions and what customers want so they always change and enhance their product offerings. However, sometime those changes are not always in your best interest.

Insurance is basically insurance. It’s there just in case. In case of a health problem, for when of a diagnosis of a critical illness. It’s there in case of a disability and ultimately in case of the loss of life. However, some insurance products are there for growth and income generation and the happily ever after. We offer those as well. So if you scan below there are some popular links that I like as well as insurance carriers you can shop and compare. As you must already know, all online quoting is usually rated at super healthy, super in shape, no problems with you insurance rates. Some carriers will and habitually rate up, which means charge you way more than what was originally quoted. So one quoting website is just like the rest, they will give you the cheapest rate to get you to apply. That is what Insurance Brokers are here for. We have the insight and experience to wade through all the lingo and tell you like it is. If it was me, that is the way I would want it. I tell clients everyday what insurance companies are looking for and what they are not.

There is however going to be a ton of changes to the industry in the near future with the PPACA, Obama care, Medicaid and other social insurance services. So carriers will change, products they offer will change, deductibles will change and well as co-insurance. Rates of return on whole life, rates of return on annuities, cap rates and so on. So we here at Comrade Financial Group are here to explain the changes and what it means to get the coverage you need.

Comrade Financial Group is here to help you as individuals, families and business owners navigate your way through all of the changes that became law with the PPACA. We have positioned our agency as one of the few to offer all plans that Maryland Health Connection, DC Health Link, and the Federal Health Exchange Marketplace which Virginia has adopted called the Health Insurance Marketplace. Each carrier that offers plans will be offering Platinum Plans, Gold Plans, Silver Plans, Bronze Plans, as well as Catastrophic Plans. There are very subtle differences that we will help you with to make sure you elect the right coverage.

There are different steps with each Health Marketplace/Exchange so please call us so we can guide you through the process. We don’t want anyone to have to pay a fine. We also want to educate you to be aware of deadlines and procedures in obtaining Health Insurance.

We are just a phone call or email away.

Jack Fleming (240)855-4541

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