The New Comrade Financial Group

The 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!

All 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


Comrade Financial Group

It was time to do a blog posting about my Insurance Agency. Some people have asked me why “Comrade”. Most people don’t understand what Comrade actually means. It means “Friend” or “Ally” and of course over the years there have been many meanings to many words. Coming from a Combat Veteran of the 82nd Airborne Division, it is better to be a friend of Jack, than not. I started this Agency with a passion for helping people with their money.

Over the years and in my own life, saving money and getting the best deal I could was a primary concern. I meet people everyday, some I can help and some I can’t, but I have given my best effort in helping them make their lives better. There is no
secret about Insurance, Its there and will be there long after I am gone. But there are masses that still don’t understand it. They just know that if they pay they will be covered. As a Insurance Broker, there is the innate ability to pick and choose what product best fits the needs of the client. I am not Superman, just a dedicated professional with a tireless passion.

If you have found this blog post, we have just had a chance encounter to help make someone’s life a little better. Thank you all for your continued support and word of mouth advertising. It is greatly appreciated. Thank You!

LIFE INSURANCE OWNERSHIP is at 50 Year LOW!

Term Life Insurance: As American Households Depend on Two Incomes Trends Reveal Disturbing Statistics | NewsLI.com

banner

Great article linked above but truthfully there are some
disturbing facts that are really shocking to me. I deal with
customers every day and the biggest reason why families
dont have quite enough Life Insurance is mainly due finances.
Insurance Brokers are your best bet as far as I am concerned.
They have the freedom and ability to match you with a
product to fit your budget! I don’t have to tell you about what
a premature passing of the sole breadwinner will do, since this
is America and we all need two incomes to supports our lifestyles.
Maybe we only care about ourselves these days. Who cares if JR
will have college paid for. Who cares if MOM will have to go back
to work. Well I care and if you do to, then stop by
Comrade Financial Group and I would be very pleased to help you.

Jack Fleming – Insurance Broker

Health Care Insurance Fraud on the Rise!

Health Care Insurance Fraud on the Rise!

Great article linked above all about Fraud and
what you can do as a consumer to protect your
information. I run a Life, Health, and Annuity
Agency and I take extra steps to safeguard
customer information and keep passwords for
almost every file that contains personal
information.
On another note, someone in my family had
a quack Dr. and really could not tell the
difference between chest pains and a pulled
muscle, but since they had the best insurance,
the Dr. felt it necessary to do a gambit of tests.
It even got to the point of recommending Open
Heart Surgery which happened but when they
opened the chest cavity, nothing was wrong.
Unbelievable! Now my family member has
a huge scar in the middle of her chest and
it turns out that she has an extremely healthy
heart and there is nothing that can be done
about it!
People die every day from misdiagnosis,
medication mistakes, and just downright
stupidity and greed! So please question
each pill you take, question each thing
the Dr. says to you! They are people too and
who says that Dr’s are immune of greed!

Jack Fleming – Insurance Broker

Single-Payer Health Care

Vermont Becomes First State to Pass Single-Payer Health Care – National – The Atlantic Wire

Great article about what Vermont is doing to help its
citizens have Affordable Health Care and help start a
National trend. There are many many programs that are
out there for review and each plan works differently so
the big question is, Will it work? We will follow these
developments and report in the future about Vermont’s
legislation. When I was in the Military and went to other
countries, you could actually walk into a Pharmacy and
tell your symptoms and walk out with medicine. The
whole population paid what equals to 10% of their annual
income for Healthcare. It didn’t really matter whether you
were rich or poor, you had Healthcare that was available
to you. Of course, that country was not populated with
the Worlds highest Obese population. Also most of the
citizens did eat healthy and were happy. I am really
concerned about the future of Healthcare in the US due
to the big Corporations taking over Hospitals and on
the other hand, Insurance Companies. There is still
instances of the term Medical Bankruptcy that is always
out there and some of us know people this has happened
to, so please folks, Get Healthcare and take care of
yourself. By the way, I also like Maple Syrup!!

Jack Fleming Ins. Broker

Insurance and The Internet

Insurance and The Internet

We all have had changes in the way we purchase
Services over the years. I came up old school were
you had to drive to an Insurance Office, wait your
turn and then speak to an Agent about what you
actually needed. You were provided some quotes
and you were glued to your chair and sometimes
were too shy to ask for a discount. Well, times
have changed and there is a world of information
out there on the Internet all about every single type
of Insurance you could ever need.
It is almost Information overload. Luckily for most
people they have an Agent that helps them, but trends
are changing and more and more Insurance is
being purchased over the Internet without even
speaking to an Agent. That is okay for the most
part but to really understand what you are
actually purchasing, it really comes down to
you and how educated you are. So read, surf,
ask questions in forums and talk to your parents,
but beware if your mom or dad still have a VCR
then you might want to act like your listening and
then do your own thing. We all need Insurance,
and we all feel relieved knowing we are covered
when Life throws us a curve ball. Hopefully not
to many.

Jack Fleming Insurance Broker