Jennifer Adler - Insurance Advisor

09/04/2023

THERE IS NOT ONE OF THESE OBJECTIONS/CHALLENGES THAT I CANNOT HELP SOLVE OR OVERCOME!! We are here to help, contact today for a review if your individual or small group health insurance needs.

Some of the biggest objections for Americans to obtain health insurance include:

1. Cost: One of the primary objections is the perceived high cost of health insurance premiums. Many individuals may find it challenging to fit health insurance expenses into their budget, especially if they have other financial obligations.

2. Lack of Understanding: Health insurance can be complex, and many Americans may feel overwhelmed by the intricacies of coverage options, deductibles, copayments, and networks. This lack of understanding can deter individuals from pursuing health insurance.

3. Young and Healthy: Some young and healthy individuals may believe that they don't need health insurance since they rarely require medical care. They may perceive it as an unnecessary expense, especially if they have not experienced any significant health issues in the past.

4. Limited Options: In certain areas, individuals may face limited choices when it comes to health insurance providers or plans. This lack of competition can lead to higher premiums or plans that don't align with their specific needs.

5. Employment Status: Those who are self-employed, work part-time, or are unemployed may face challenges in obtaining health insurance through their employer. They may find it difficult to navigate the individual market or may not be aware of the available options.

6. Pre-existing Conditions: Individuals with pre-existing conditions may face difficulties in obtaining affordable health insurance coverage. In the past, insurers could deny coverage or charge higher premiums based on pre-existing conditions, which discouraged many from seeking coverage.

7. Trust in the Healthcare System: Some Americans may have a lack of trust in the healthcare system or insurance companies. They may feel that insurance providers prioritize profits over their well-being, leading to skepticism about the value and benefits of health insurance.

03/03/2022

The attached fact sheet sheds light on how professional service firms handle disability insurance. Shouldn't we have a conversation?

If we can be of service, please contact us directly.

02/24/2022

Qualified planning has primarily focused on defined contribution plans and accumulation with little or no discussion of how to secure guaranteed income. Something worthy of conversation. The Liability is that annuities were rarely an investment choice until now, the 2019 SECURE ACT has made for this to be an option. Starting this year, annuities should be an option and should be reviewed as they provide plan participants a planning tool to create guaranteed income streams.

Please reach out for a confidential discussion.

02/16/2022

Long Term Care and How Insurance Policies are Designed to Protect You can be Confusing. The attached piece from John Hancock is a question answer format that is excellent:

If we can be of service, please contact us directly.

01/16/2022

The deadline for Open Enrollment Healthcare PASSED, it was January 15th!! Did you miss it? That’s OK, we are here to help!!

Let us help secure you & your Family with a Private Health Plan with PPO approved carriers, for much less than the ACA plan. There is no Open Enrollment & no penalties.

Quotes can be emailed or texted, and we always love setting up a time to chat.

Reach out TODAY to talk about your need!

[email protected] or text me at 773-612-9601

Thank you for the opportunity to help with your Health Coverage, we’re here to help.

Jennifer M. Adler - Licensed State Advisor (not just IL)

Cell: 773-612-9601

Executive Capital Resources in business since 1993 specializing in insurance portfolio review, family wealth transfer, business continuity & executive benefits.

01/15/2022

Here's how you can get free home Covid-19 tests

Starting Saturday, many Americans can get home Covid-19 tests at no cost through their private insurance. They can obtain the tests from pharmacies, retailers and online vendors.