How did you choose your Health and Life Insurance Plan?
Did you consult with a qualified Insurance Broker? If not, there is a good chance you are missing critical benefits!
Why is a Broker Consultation Necessary?
Most people have no idea about the diversity of insurance options available or how to decide which is best. To make matters worse, most insurance agents work for one specific carrier and can only sell the plans their carrier provides. These agents often make it appear that their plan is a perfect fit for you when, in reality, it is simply all they can offer.
The solution to this dilemma is to work with an Independent Non-Captive Insurance Broker such as Kiernan Richardson. Kiernan, the founder of Richardson Family Insurance, can compare and combine policies from all major carriers without being "captive" to one company in particular.
The Benefits of Working with a Broker
Family Health Plans
Health Insurance for Healthy People on a Budget
Small Business Coverage
Most insurance carriers offer discounts for family plans. Many don't know that employer-based family plans purchased through a large corporation often overcharge. In these scenarios, the spouse and children should be on their own private or ACA family plan while the employee keeps an individual plan through their employer. Families being scammed by a large corporation through the inflated price of their family health plan is a significant aspect of our failing healthcare system that needs to be addressed immediately.
Small Business Coverage
Health Insurance for Healthy People on a Budget
Small Business Coverage
The advantage of an Independent Broker insuring the owner and employees of a small business is that each person can receive a customized health plan. A young, healthy person should not be on the same plan as an older person with pre-existing conditions. Everyone saves money and receives better benefits if each person has an appropriate policy.
Health Insurance for Healthy People on a Budget
Health Insurance for Healthy People on a Budget
Health Insurance for Healthy People on a Budget
This type of person benefits from a customized insurance plan the most. A little-known fact is that there are policies specifically designed for people who are relatively healthy and looking to save money. These people are often on a plan that would be good if they were sick or rich, but it isn't capitalizing on their good health. These people can qualify for a "health-based" discount like a safe driver discount. Sadly, many people who qualify for this are unaware of it because of the confusing nature of the insurance industry.
Unique Life Insurance Policies
Detailed Selection of Affordable Care Act Plans
Health Insurance for Healthy People on a Budget
Anyone paying for a life insurance policy should always do so through an honest, Independent Insurance Broker. Kiernan specifically forgoes the higher commission policies for the client-focused policies. One of the most spectacular features of his central term life policy is that if a person survives the term, they receive back all the premiums they paid minus the small carrier fee! Another fantastic feature Kiernan utilizes is the critical illness benefit. This means that if God forbid the policyholder were to experience some severe illness or injury, they would be eligible to receive a portion or all of the face amount of their policy while they are still alive. Additionally, the Indexed Universal Life policies Kiernan works with offer unique advantages for building the policy's cash value through the S&P 500.
Combination Policies
Detailed Selection of Affordable Care Act Plans
Detailed Selection of Affordable Care Act Plans
Insurance Brokers' significant advantage is combining policies from various carriers. Different situations call for different solutions. One insurance company may be far superior to all others in covering specific needs. Yet, a coverage gap in another area may still exist that a different company's policy can fill.
Detailed Selection of Affordable Care Act Plans
Detailed Selection of Affordable Care Act Plans
Detailed Selection of Affordable Care Act Plans
Affordable Care Act plans are not all the same. In addition to searching Healthcare.gov, there are other ways to find the best deal on these plans. An experienced Broker can look into the details and compare hundreds of plans at once using advanced search tools.
About the Founder Kiernan Richardson
From Pain to Purpose
From Pain to Purpose
From Pain to Purpose
Kiernan's life is the definition of a pain-to-purpose story. Being diagnosed with 20+ diseases and conditions inspired Kiernan to help others secure their health. These were not minor diagnoses. They include things such as:
1. Severe Ulcerative Colitis requiring surgery.
2. Recurring C. Difficile infections
3. Mesenteric Venous Thrombosis
4.
Kiernan's life is the definition of a pain-to-purpose story. Being diagnosed with 20+ diseases and conditions inspired Kiernan to help others secure their health. These were not minor diagnoses. They include things such as:
1. Severe Ulcerative Colitis requiring surgery.
2. Recurring C. Difficile infections
3. Mesenteric Venous Thrombosis
4. Entamoebic Histolytica Infection
5. Bradycardia with heart palpitations
6. Severe Asthma and Allergies
7. Severe Eczema
8. Peripheral Neuropathy
9. Small Intestine Obstructions
Etc.
Kiernan knows the importance of good health insurance from first-hand experience. Without good insurance, the Richardson family would have gone bankrupt. Kiernan spent three years essentially bedridden. During this time, he developed a strong passion for helping people avoid his dilemma.
The Comeback
From Pain to Purpose
From Pain to Purpose
To overcome his limitations, Kiernan had to rely on the full power of both conventional and alternative medicine. From having his entire large intestine removed to researching health and wellness for thousands of hours, Kiernan learned more than any young person should ever have to about the healthcare system. The theme of his knowledge i
To overcome his limitations, Kiernan had to rely on the full power of both conventional and alternative medicine. From having his entire large intestine removed to researching health and wellness for thousands of hours, Kiernan learned more than any young person should ever have to about the healthcare system. The theme of his knowledge is that answers are out there, but unfortunately, they are often intentionally concealed. When Kiernan applies his knowledge, his conditions are greatly improved.
Kiernan's Mission
From Pain to Purpose
Kiernan's Mission
Kiernan understands that the American healthcare system is broken. Of course, inadequate and expensive health care coverage is a significant component of this failing system. Kiernan has dedicated his life to changing this system. He knows that, above all else, the first step to success is being able to afford health-related help and know
Kiernan understands that the American healthcare system is broken. Of course, inadequate and expensive health care coverage is a significant component of this failing system. Kiernan has dedicated his life to changing this system. He knows that, above all else, the first step to success is being able to afford health-related help and knowing where to find it. As an Independent Insurance Broker, Kiernan is in an excellent position to help people get the best possible insurance.