Download!A guide for everyone about finding extra cash when your health fails.
$olving the Need for
Extra Ca$h When
Health Fails
DOWNLOAD BOOKLET FREEOR REQUEST MORE INFORMATION
A booklet for everyone about Medicare that helps explain the key points by using actual client experiences.
Solving the Puzzle
of Medicare
Why Download?
- Learn about insurance products that provide extra cash when your Health fails.
- Learn the signs of Stroke and Heart attack etc.
- Learn how to keep you and your wallet happy
Why Download?
- Learn about insurance products that provide extra cash when your Health fails.
- Learn the signs of Stroke and Heart attack etc.
- Learn how to keep you and your wallet happy
What our customers say
- I want to talk about my experience in a Medicare Advantage plan and Medicare supplement plan. Unfortunately I was disabling at age 58. I was insured at the time by a large insurance company, but when my policy came up for renewal I wasn’t able to reenroll at an affordable price. Once I was approved by social security for disability and Medicare offered insurance after 24 months, a Medicare Advantage plan was my only option because I was under 65 and disabled. Little did I know at that time manage care plans like the Medicare Advantage are run by insurance carriers approved by Medicare that actually manage your health and associated costs. This simply means Medicare pays the insurance carrier to manage the cost of your health plan. Yes strictly speaking I had insurance, but I had to use the advantage networks and was restricted on how much I could get approved for, in addition, there were co-pays which were substantial like daily charges for in-hospital stay and outpatient surgeries etc. I was fortunate to meet before my 65 birthday, an independent insurance age who told me about a guaranteed issue (supplement insurance) that is used with Original Medicare. Even though I wasn’t a healthy person I was able to get a Medicare supplement to go with original Medicare that allowed me the freedom of choice and the ability to manage my health care. I was only able to do this because I was guaranteed issue, which I knew nothing about until I met the independent insurance agent. To this day this move has saved me substantial money and allowed me to work with some of the best doctors. My takeaway is advantage plans are great if you’re not sick, but if you are sick and you want to manage your own care to achieve the best results a Medicare supplement with original Medicare allows me to pursue my health in the most efficient way possible. Thank goodness for the Medicare supplement that is offered during the guaranteed issue period and for independent insurance agents who help me find the best solution for my situation. Please refer to chapter 3.
When I made an appointment with an independent insurance agent to price a Medicare supplement for my wife who had been retired for a period of time and currently on a Medicare supplement. I soon realized after talking to my agent how much I did not know about how Medicare works with other insurance platforms. For example I am a retired military and my wife would have been eligible to receive Tricare, my first mistake, because I assumed she needed to buy Medicare supplement insurance when she was 65 (WRONG) and eligible for Medicare. While discussing a new supplement with my agent, who after reviewing my wife’s situation informed me that because I was retired military my wife could have received Tricare? The agent assisted with helping me set up an appointment the next day with a Tricare specialist. The agent was able to use Tricare for my wife as her secondary insurance to Medicare and did not need a separate policy which saved us thousands of dollars a year. Please refer to page 32 in the booklet.
Linda-Ann S. Goodwin
Linda Goodwin has long been focused on educating businesses as well as consumers on products and services that are available in the marketplace and creating new products or services that meet consumer demand. Linda has held senior management positions for industry giants such as:
- Coca-Cola in Atlanta, Ga. & Chicago
- Kemper Financial in Chicago
- AIG in New York
- Fleet Bank in Boston, Ma.
In 2004 Linda had her own consulting business working with start-ups as well as foundations. Linda suffered a serious illness in 2008 and left business behind to concentrate on her health and today she is semi-retired and back doing what she excels at educating consumers on products and services they may need and helping businesses find a balance between profit and consumer affordability and usability.
Linda’s work and personal experiences have all contributed to Linda’s success starting with her first job working for the U.S. Government in Chicago where she learned her attention to detail, and then when she went to school in Richmond, Virginia (VCU) and worked with the state’s gifted children program where her passion for “education” for everyone became a key driver for Linda throughout her life.
After school she went to Atlanta, Georgia, where she worked for The Coca-Cola Export Corporation, working on sensitive and confidential government and international contracts. Coca-Cola USA eventually absorbed their international division and after a year Linda was transferred to Chicago where her team not only more than doubled Coke’s market share in little over a year they played a key role in consolidating the many Mom & Pop smaller bottling companies throughout the Midwest into larger conglomerates. At this point in Linda’s life, when her daughter jokingly said Linda should sign a guest book when she was home, she made a career change where hopefully traveling for your job was less intense
At the time Kemper Financial was looking for consumer marketers to help them sell financial products. Linda became an integral part of their product development team. She represented the financial industry in Washington DC on the Investment Company Institute (ICI) starting first when she was with Kemper and then also for AIG. While at AIG she met and still works with Neale Godfrey a New York Times #1 best-selling author and creator of the topic of “kids and money”. She was recruited by Fleet Bank in Boston and took over their lack luster investment retail business and built up that business by three fold. She has received numerous industry and company awards throughout her career because of her empathy for consumers and her unique inter-company and negotiating skills which have been instrumental in developing products and relationships that involve all areas of an organization that benefit.
ACCOMPLISHMENTS
Doubled Nielsen Coca-Cola Midwest market share Represented Financial Industry in Washington DC and voted by Industry peers to chair the Marketing & Research Committee on ICI Developed AIG first guaranteed mutual fund, the Children’s World Fund Formerly recognized by Fleet as the executive who contributed most to their success Received multiple awards from the Direct Marketing Industry for Fleet’s ad campaign including Gold for best creative and Gold for mail business to business
Expert Insurance Consultant for the educational insurance booklet
- “ Solving the Puzzle of Medicare”
Pending Booklets
- “ $olving life’s problems with Life Insurance”
- “ Solving the Need for Extra Cash When Your Health Fails”
Michale A. Daley
Michael A. Daley is a person who is most happy when he is helping others and working for good causes from the time when he was 8 years old and he first experienced the personal joy he felt when he helped his school by selling pancakes tickets. As he grew up the projects he worked on became more far-reaching like the Jerry Lewis Telethon and Special Olympics. He is especially proud that his efforts in fundraising kept his area local chapter of Meals on Wheels which was in danger of closing afloat for several years. It was at this time that he became aware of the importance of helping others less fortunate than himself.
After graduating with a degree in Sociology, Michael started his professional career in Social work first working with mentally handicapped adults while at the same time fostering several children, one who is now married and stays in contact, a testimonial to his people and relationship building skills. Michael’s people skills were recognized by the Principal Financial Group (PFG) who hired him for their customer phone services to help customers understand their 401K and Pensions. While in this position he was recognized by PFG for his ability to build a relationship with the customer within 5 minutes. Michael not only helped customers by educating them on how they could grow their assets in their 401K but also helped PFG retain assets that were in danger of leaving PFG. While speaking to clients on the phone intent on leaving PFG he asked them to reconsider and talk to a PFG financial advisor first. Michael was asked to help train other employees on the proper way to approach a customer with regards to asset retention. Michael was moved to the PFG Mortgage group while there his unique skill-set of being able to motivate others was recognized by PFG and he was moved off phone sales and was promoted to Office Sales Manager. PFG sold their mortgage business to Citigroup and Mike was transferred to Dallas.
When Michael went to Dallas, he felt unfulfilled and decided that the best way he could combine his business skills and fulfill his need to help others was to start his own business. While working for PFG he became aware of how unsure and uneducated many seniors were about retirement and decided he could help seniors the most by educating them on Medicare insurance. Michael now represents many different insurance products and companies and owns and runs a successful Insurance Agency.
Keeping his goal of helping topmost in his mind, he has co-authored a booklet with a like-minded individual which is solely an education piece, entitled, Solving the Puzzle of Medicare, which was featured by a Forbes author in their Forbes Internet Magazine in 2016. As a business owner he is now very involved with many local charities and has sat on the board of several community charities. He is sought out by many local organizations to help them organize and design local charitable events.
ACCOMPLISHMENTS
Coached a relay team for Special Olympics who went on to win state When working with mentally handicapped adults the group home he managed went from an annual employee turnover rate of over 70% to no turnover and he was promoted to manage 6 group homes and for 3 years there employee turnover rate was minimal and the homes passed state regulations with flying colors.
While working for PFG in Des Moines for 24 months held the rank of #1 in sales. His sales staff of 60 not only met their sales goals but outperformed larger sales teams of 200+ in Dallas & Tucson.
Expert Insurance Consultant for the educational insurance booklet;
- “ Solving the Puzzle of Medicare”
Pending Booklets;
- “ $olving life’s problems with Life Insurance”
- “ Solving the Need for Extra Cash When Your Health Fails”