You know the realities of health conditions have changed. Everybody knows someone who has been diagnosed with cancer, heart attack or stroke. So many of these people’s lives and the financial security of their families' are turned upside down by a major illness even when they have quality health coverage.  Monthly obligations such as mortgage, car payments, groceries and cell phone bills still need to be paid even when you're not working.  The stress can be overwhelming.  The insurance industry has responded with products that meet these needs.  The benefits are based on diagnosis and treatments.

Critical Illness coverage:

• Provides people with OPTIONS
• Provides people with CONTROL
• Provides people with CHOICES
• Provides people with INDEPENDENCE
  (or avoids dependence)
• Reduces their STRESS

...What is the cost of such plan?
It depends on many factors and level of benefits. It is available for groups and individuals and premiums range from $10-$50 per month. Some plans even provide a benefit for your annual physical, something you don't even have to pay for.  This $75 benefit can reduce your net premiums to less than $10 per month.  Please contact me and request a brochure and quote and rest easy knowing you can financially handle the health conditions which affect 33% of us.


Contact Jeanine about the many options provided by Critical Illness Insurance.

Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller from Grand Rapids, Michigan.

Insurance is getting too complicated due to Healthcare Reform, it's not the same insurance world we were  all able to navigate through a few years ago on our own.  It may look like you are getting the best deal ever while navigating through a site for a health insurance agent in Georgia or California, but beware before you apply for insurance online with an out of state agent! Your local insurance agent can't make changes to the plan that you purchase during the first year of coverage and you will be stuck with a bad plan and no local agent to help you. If you are declined for coverage by applying online yourself for perhaps a plan that is not really suited for your needs (which is why it looks so cheap), then that is a red flag that you are uninsureable and it will be hard to find someone to help you. Insurance plans can not just be cancelled and re-applied for. 

A local health insurance agent provides a valuable service and can help you get a suitable plan in place that meets all your needs for the best price in your state.

Call Jeanine Today!

Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller from Grand Rapids, Michigan.

If you have purchased a term life insurance policy within the last 4 years and would like to make it a permanent policy, we can help you do this without having to go thru a new paramed exam.

98% of term policies do not pay out a claim.  This is why it is so inexpensive.  It serves a purpose in certain situations.  Yet it is important to have a permanent solution.  I have never heard anyone say their loved one left them too much life insurance.

Jeanine can show you creative solutions which will benefit you greatly at not much cost. If you would like to discuss these options, contact Jeanine!

Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller from Grand Rapids, Michigan.

How does the Patient Protection and Affordable Care Act (PPACA) affect people?

Since 2010, insured have enjoyed free wellness care, as long as it fits the guidelines set forth in PPACA.  (See www.Heathcare.gov/prevention for details of the wellness treatments you are eligible for.)

To ensure he didn’t have any concern for lung cancer, my friend, a former smoker, asked during his recent wellness visit for a chest x-ray and was denied.  The doctor said it wasn’t necessary.  His mother died of cancer at age 62.  He is turning 57 this year and felt it was necessary for his peace of mind.  He is willing to pay for it and couldn’t get the Doctor to order the x-ray.  Only 1% of lung x-rays show cancer, but what if he is the 1%?

The bigger picture is that behind the scenes, PPACA is changing Doctor’s compensation from a “fee for service” (where providers profit from providing more services) to “capitated” payments (where providers profit by providing fewer services) or some hybrid.   Meet the new final authority for health care in America.  It’s not Congress, not the Court, and not “We the People”.  It’s an Independent Payment Advisory Board (IPAB), an unelected, unaccountable 15-member panel empowered to set healthcare standards for spending, care and efficiency that will affect all of us.  It is quite possibly the most dangerous aspect of the entire PPACA law.  IPAB is not required to hold any public hearings and its decisions are not subject to administrative or judicial review.  It has the power to tax and ration care.  This is all by design.  The authors of Obamacare decided to take the difficult matters away from politicians.  The “quality and efficiency” standards set by IPAB affect ALL health care, not just Medicare and Medicaid.  This means your utilization of your private health insurance will be affected, even if you are willing and able to pay for treatment.  There will be one standard of care for all.   IPAB has determined too much money is spent in the last year of life. 

Furthermore, as IPAB is reducing compensation to Medicare/Medicaid providers, fewer Doctors can afford to continue serving this population.  There is a silent exodus already in motion from Doctors.  This movement is the beginning of rationed care. 

So how does PPACA affect you?  It will depend on your age, wealth and health.   

*“Hidden Dangers of Obamacare” was used as a resource to this article.

Jeanine Kinzie - Licensed Health and Life Insurance Agent
If you would like to talk to an expert about what this means for your and how you can best protect yourself and your family in the future, Contact Jeanine!

The good news is we have the products you need and many of you are already enjoying the benefits.  Here are a few ideas to consider:

1. If you use your American Heritage or Assurity Accident Plan's Wellness Benefit, your policy is essentially free. If you have an accident, this plan can help pay for your out of pocket expenses and lost income from time off work.  Accidents are the most common use of health insurance. With many on high deductibles these days, accident plans have evolved into integral financial protection

2. Return of Premium can refund all your premiums if you don't get cancer while on the American Heritage Cancer Plan.  Return of premium is also available on disability policies from Illinois Mutual.

3. Properly structured, Indexed Universal Life Insurance can provide tax-free retirement income exponentially more than you put into the policy. 

4. Fixed Indexed Annuities can provide guaranteed income for life, even if the money you put into the policy runs out.  Since people are retiring and living longer than ever, this policy offers great peace of mind.

Set aside a little time to be proactive in your financial protection plan.  Life happens to all of us.  We get hurt, we get sick, it's just a matter of when it's our turn. None escape the inevitable. Death has 100% success rate.  Why not insure the obvious? 

When asked to estimate the cost of life insurance, 95% of the people surveyed estimated too high.  Just let me know your priorities and budget, and I'll bring the best plans to you.

In case you haven't heard, major reform implementation is coming in October 2013. This change is optional for you this year.  We will be agents for you whether you are entitled to a subsidy through the exchange or not.  We will provide you with options for keeping your current plan and what new plans are available.

The Affordable Care Act is expected to help increase access to health care. Health insurance exchanges will be an important part of that.

Most people get health insurance through their employers. But people without this option will now be able to shop for health insurance on exchanges, as an alternative to buying coverage directly from individual health insurers. Exchanges will be open for business in October 2013, allowing consumers to shop for health plans that will begin on January 1st.

Click on the video below to watch and find out more.

Experts predict that by 2016, more than 25 million people will use exchanges to buy health insurance.