term insurance Archives

Petersen Short Term Health Insurance

By Ed Crowe | General Articles | 0 comment | 25 May, 2017 | 0

Petersen Short Term Health Insurance

Because sometimes life is unpredictable, you may find yourself suddenly without health insurance coverage. For that reason, we now offer Petersen Short Term Health Insurance plans to our clients.

This Short Term Medical plan is designed to be as easy to use as possible. There are no co-pays and you do not need to have coinsurance. When you sign up for the plan you simply fill out a one page application. You will not have to answer any medical questions. Each policy is designated per person for both the maximum and the deductible, for each policy period. There deductibles range from either $100, $250, $500, $1,000, $2,500, or up to $5,000. The insurance policies can go into effect as soon as the day after you submit your application. The policies give clients a maximum policy period of 3 months. This is the longest term available for Short Term Medical coverage. Because the monthly premiums are so affordable for the Short Term Medical plan, anyone can get quality healthcare.

Petersen Short Term Health Insurance is a temporary health insurance plan for people between the ages of 2 weeks and up to 64 years. The plan covers eligible expenses caused by either an illness or injury for which you receive treatment from any doctor or any hospital within the USA. All your expenses are applied to your deductible. In fact, when you meet your deductible, the policy covers %100 of your approved medical expenses up to $1,000,000.

Clients are insured through a National PPO Network:

First Health gives clients access to a very large provider community. This includes more than 5,000 hospitals, over 90,000 ancillary facilities, as well as over 1 million healthcare professional service locations. Clients will have access to both an on line portal and a toll-free telephone number. This helps you locate providers in your local area.

Here is a list of possible medical expenses that this policy covers:

Hospital Expenses
Physician Services
Skilled Nursing Facilities
Home Health Care
Ambulance Services Expenses
Prescription Drugs
$25,000 Accidental Death

If you would like to apply for Petersen Short Term Medical Health Insurance please click the link below

Click here to download brochure for Short Term Medical

Petersen Short Term Health Application

American National Broker Contract

By Ed Crowe | Brokers, Life Insurance | 0 comment | 1 March, 2013 | 0

American National has the lowest 10, 20 and 30 year term policies in the business. They also have the lowest cost ART insurance by far. Recently, they have revised the Guaranteed UL and IUL policies. The IUL life policy has a 14% cap on the annual point to point which higher than almost every IUL in the industry.

Example on the ART- A 55 year old male rated preferred (not rated super preferred) would be able to get 1,000,000 of coverage for $69.98 a month CLICK HERE TO RUN TERM QUOTES

Crowe and Associates can provide training on the products. We can also set up contracts for individual brokers and General Agencies. The General agency contract is set up with a hierarchy structure to allow down lines to be paid directly from the carrier with the override going to the GA. We will also provide an SGA contract to any agent or agency that writes $50,000 of annualized premium.

American National GA Contract

American National Agent Contract

American National Comission schedule

For more information, contact Crowe and Associates at 203-796-5403 or email Ed Crowe at Edward@Croweandassociates.com

American National Term Insurance

By Ed Crowe | Brokers, Life Insurance | 0 comment | 12 February, 2013 | 0

American National now offers the lowest cost term life insurance on the market. They are achieving this price point with an annual renewable term product. The rates on this product do go up every year BUT it is guaranteed renewable and the price point makes it a better choice than 10 or 20 year term.

The reason why it is a better choice is because the rates do increase but the product is priced so much lower that a consumer will pay nearly 30% less with the ART product vs the 10 or 20 year product.

A quick example is the following. A 50 year old male can get $500,000 of ART with American national for $41.04 a month. (Standard health rating) The lowest cost 10 year term for that same person is $92.59 a month. In 10 years the ART will cost $85.97 a month. Do the math, there is a huge savings on the ART product.

The product can be issued up to age 65 and can be converted to permanent insurance at the same health rating up to age 65. It is guaranteed renewable to age 75.

For quotes on this product, call Crowe and Associates at 203-796-5403

ARE YOU A BROKER LOOKING TO SELL THIS PRODUCT? Call 203-796-5403 or email Edward Crowe at Edward@Croweandassociates.com

Lowest Cost Term Insurance

By Ed Crowe | Brokers, Life Insurance | 0 comment | 12 February, 2013 | 0

American National now offers the lowest cost term life insurance on the market. They are achieving this price point with an annual renewable term product. The rates on this product do go up every year BUT it is guaranteed renewable and the price point makes it a better choice than 10 or 20 year term. Read more

The Myth About Life Insurance

By Ed Crowe | Life Insurance | 0 comment | 15 September, 2009 | 0

Do You Have A Competitive Life Insurance Rate?

The old saying goes that you should keep you life insurance policy once you purchase it because it costs more as you get older. This saying is only partially true for most and can cost you thousands is you follow it. Many believe that this was simply a ploy by insurance carries to help keep business on the books and prevent people from rate shopping once they had a policy.