As an insurance advisor, I have to recomend coverage that would properly cover you and I don’t know about you, but there is not much you can get done for $25,000 if you were seriously hurt in a crash, not to mention $10,000 doesn’t cover much with the price of vehicles on the road today.

I do have to give props to the state of Wisconsin though,  I just saw an article that the minimum limits allowed by law have been increased from 25,oo0 / 50,000 to 100,000 / 300,000 in the state of Wisconsin.  Not only does this more accurately reflect the minimum policy that one should have in todays dollars, but more often than not depending on what company you are with, there is another company that will give you the higher limits for less than what you are paying for your state minimums.

I guess my point is, just as in all my posts.  Take time to interview the person whos job is to look after your best interest, not the one just trying to sell you a policy on price.

While I do enjoy saving people money, properly protecting them is my first priority.  In most situations I can do both really well, properly protect and save a good chunk of money.

There is never any charge for answers to your questions, an the only dumb one is the one you won’t ask so give me a call (816-254-6100) and let me show you what a real insurance advisor should do.

Until next time

Travis

THANK YOU!

Thank you for your trust and appreciation with your referrals!  By referring your friends, family and co-workers to me, it lets me know that we are doing something right.  If we were not serving you like you should be served, we wouldn’t have all the awesome referrals that we do.

With that being said, we want to show our appreciation even more for your referrals.  We (as in the Mochel Insurance Agency) have started our 2010 Referral Program to thank you for your continued referrals.

2010 Referral Program

Send us someone to quote we send you a $10 Gas Card! (Even if we don’t write a policy!)

Quarterly $100 VISA Gift Card drawing (For every referral you get one entry)

42″ Flat Screen TV! (Anyone who provides a referral from Jan 1st through December 10th is eligible to win!)

There is no limit for the number of entries you can receive!  Please only refer truly interested parties – Thanks!

Have questions or know of someone who we can help  Call 816-254-6100 or send me a message here

Chances are they do not understand the true value of the total package.

When I am sitting down with someone who has either lost or quit their job for what ever reason, the biggest coment I hear when looking at the cost of health insurance is:

I only paid $150 per month at my old job, why is it $600 per month now when I am getting it on my own?

There are some that do understand that their employers pay half, if not most of their health benefits, but most of them do not.  This is where the education factor comes in and why we use an employee benefits statement.

Using an employee benefits statement not only shows how much their compensation is, but it can also show how much their total compensation package is for working at your business.  You know that what you pay them every week or month is not the total cost and by your employees knowing what their total benefits package is makes them appreciate you and their job that much more.

By using a statement like the one above, your employees now feel more valued because they understand it’s not just the $23,000 that they take home, they actually are being compensated almost $31,000.

Now wouldn’t you feel more appreciated at a job that pays you almost $31,000 as apposed to a job that only pays you $23,000?  You are already paying them that, let us help you communicate that to them for free.

http://www.c-span.org/

Independence, MO – One of the biggest fears that many people have today is the fear of turning 65 and having to figure out their own benefits with no knowledge of how the Medicare system works or who to contact.  Most people end up just trusting what their sales agent tells them they need and find themselves with hundreds if not thousands of dollars in medical bills left for them.  Most of the public does not know what plans are available to them and get their information from a green sales agent or commercials on TV.  Did you know Medicare Benefits during the year 2010 have the most changes since 2006, which could affect anyone on Medicare! A community informational workshop presented by Travis Gensler, local advisor who specalizes in Medicare Plans.

At this workshop, you will learn:

• How to sign up for your Medicare benefits and the eligibility requirements
• How to find out what is and is not covered by Medicare Part A & B
• What is a Medicare Supplement or Medigap plan
• What is the Medicare Advantage program
• What is Part D and why do I need it
• The 5 questions you need to ask to pick the perfect advisor to work with
• The 10 questions you need to ask to pick the perfect plan
• How the current changes and healthcare debate will affect the future of Medicare

Workshops 10am – 12pm on the following dates:

Nov 10^th Nov 17^th Nov 24^th Dec 1^st Dec 8^th

Attendance for this workshop is free, but seating is limited.

You can reserve your spot by calling 816-228-8000.

These classes will fill up quickly, so call right away!

Class Location: 201 W. Lexington Ave, Suite 301 (3^rd floor), Independence, MO 64050

Not connected with or endorsed by the U.S. Government or the Federal Medicare Program. For educational purposes only, no company or plan specific information will be available.

Dates and times will be posted as soon as they are scheduled.

Why is my dwelling coverage so much? I didn’t even pay that much for my house.

When I evaluate your protection program, to be honest, I really don’t care how much you paid for your house.  I mean I do, but I don’t, because if your house was damaged my goal is to make sure there is enough coverage for you to rebuild it the way it was before it was damaged.  Your homeowners policy should have the proper coverages and be updated at least every other year because building cost change.

The easiest way I can explain it is if you think about how close the fire department is.  Now lets say your house catches on fire, what are the odds that the fire department won’t get there in time to put the fire out?  Whats going to happen?  Most of the time, they are going to be able to put the fire out, but that is just the damage from the fire.  If you have ever been around a fire, you will probably notice that the smoke causes just as much damage, not to mention the water damage from the fire hoses.

It is a simple fact that the cheapest way to build something is from scratch, however if you are unlucky enough to experience a fire in your house or business, it will cost you much much more to cover the clean up of the smoke and water damage than the actual fire itself.

So if you happen to experience a situation like this, there is a really good chance that the clean up and fix it costs could run higher than what you paid for your house.

This is just one type of situation that could cause your repair bills to exceed the price you paid for your house, and there are many others.  So the message of the story, is to make sure you review your coverages with an educated professional that can explain what is going on.

Each company uses a slightly different evaluation method, so get an idea from a few different companies and make sure you are covered to your actual replacement cost.

• Nothing in this plan requires you to change what you have.
• It will be against the law for insurance companies to deny you because of a pre existing condition.
• It will be against the law for insurance companies to drop your coverage
• Insurance companies will no longer be allowed to place a cap on lifetime benefits
• This plan will place a limit on out of pocket expenses
• Insurance companies will be required to cover preventative care

If you are currently uninsured:

• An exchange will allow you to shop for coverage and you may pick from private and public plans
• Those that can not afford insurance will get credits to purchase coverage

The exchange will take effect in four years.

Young and healthy – not getting coverage, businesses choosing not to cover their employees

• Those that choose not to get coverage cost the rest of us money in higher premiums
• You will be required to carry health insurance like you are required to carry auto insurance
• The public plan would only be available to those with out health insurance through the exchange

How do we pay for this plan

1. Provision that will bring about more spending cuts if there is a chance it will add to the deficit
2. Savings in the system will help take care of the majority of the expense of the plan (medicare & medicade)

Medicare address

• Not one dollar of the medicare trust fund will pay for the public plan
• Will eliminate the excess money going to private plans that do not improve care (medicare advantage)
• Savings will fill the gap in coverage of the prescription program (no more dougnut hole) – needed bigtime!
• Tort reform (medical malpractice lawsuits)