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With today being the first day of Winter, car accidents on ice, rain, sleet, or snow is common. What isn't so common is Policyholders being prepared for what is to come. Feel like Insurance Carriers are holding most of the cards so to speak? Insightful experiences can be invaluable while processing Auto Insurance Claims. The journey begins at the scene of an accident and ends at the time of claim closure. ESTRA has been through this process with several Auto Insurance Companies. Join her in this episode to gain understanding from an injured person's perspective. Avoid costly mistakes made early in the process.
in Self Help
Today we will recap the information that we have learned over the last month about insurance. We will discuss Mortgage protection, whole life, annuities and how they are able to serve your family's needs. We will prepare the stage for the month of February, the love month discussing a topic that many do not love, CREDIT! What is the importance of that 3 digit credit score and what should you prepare for. With tax season upon us, it is Imperative that each caller understands the importance of their 3 digit number and what it means. Tune in!
How often do we look around and say, how can we help bring change? We can easily see many people struggling to stand up against the current ERISA Legislation which protects Wall Street Balance Sheets while causing serious damage to the budgets of Main Street. Insurance denials and terminations placed insured money into the hands of Self-Insured Employers, Private, and Public Insurance Companies. But is this right? Especially while Insurance Policyholders struggle to meet daily needs because Employee Benefit promised has been delayed, denied, or cut short and given back to corporations?
Today lets talk about what we as Insurance Policyholders can do to help bring about change which breaks the cycle of poverty when Employers keep Employee Benefits through ERISA.
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Do you have the insurance coverage you need? Do you understand the different types of insurance and what they cover? Join us to welcome Brad Allen and Scott Lyden of Hadley and Lyden Insurance as we tackle the tough questions, and make sense of the confusing topic of insurance. We will find out what is required, what we should have, and even spend some time defining some of the confusing terminology? We all need to be prepared for the worst and having the proper insurance coverage is the best preparation! To ask questions or comments for Brad or Scott, please join us by pressing "1" on your keypad to get in the queue and get your questions on air!
Our guest this morning is Sandy Miller from Kaiser Permanente South Bay.
Sandy serves as an Assistant Medical Group Administrator at Kaiser Permanente South Bay. She oversees adult primary care, pediatrics, OB/GYN, maternal child health, operations at all out-patient medical office buildings, member health education, and much more. A physical therapist by training, Sandy has worked in health care for nearly twenty years, the last nine of which have been at Kaiser Permanente.
A native of the South Bay, Sandy was raised in Torrance. She earned her Bachelor degree in Exercise Physiology, Master’s degree in Physical Therapy at USC, and her MBA at UC Irvine's Paul Merage School of Business. Sandy serves on the Redondo Beach Chamber of Commerce Board of Directors and enjoys giving back to the community.
This morning, we’ll discuss the partnership between Kaiser and the Chamber and the recently opened new Kaiser Permanente Medical Office in Manhattan Beach - the first in the beach cities! We’ll also discuss the broader work Kaiser is doing to build a healthier community, as well as efforts to improve the patient experience with new technologies.
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This week is another chance to listen to episode #27: Anya speaks with special guest Sandy Alemian, happiness coach, spirit medium, author of "Congratulations... It's an Angel" and the Amazon International Bestseller "What Was God Thinking?"
Anya explores the role humor plays in healing, how connecting with our loved ones after death can show how life really does go on, and that we really are, truly, never alone.
Get Anya's books on Kindle at Amazon:
In The Light of A New Day: Enlightenment for Everyday Living
GEMS for YOU: Daily Gems of Wisdom
Social Security impacts everyone. Whether you are already collecting, getting ready to collect or know someone who is, the impacts can be life altering. Thanks to a new law which took effect in November of last year, the benefit strategies people had at their disposal just became even more complicated.
So, I hope we can cut through the clutter and breakdown what those 4 major changes will mean for you and your planning for the future. I will also try to get in as many of the top 10 secrets you now need to know to get the most out of the system you have paid into for all these years.
We will discuss:
The top 4 MAJOR changes and how they will impact you
The top 10 SECRETS to maximizing benefits
Critical cutoff dates
Critical Age cutoffs
Time is of the essence if you want to position yourself properly to make the most out of this new set of rules.
About the Host:
Future Secured Financial was founded by Gregory Durette, a multi-faceted financial entrepreneur with over 32 years of industry experience. Combining his experience in insurance, global finance, risk management, e-commerce and college planning, Greg brings a breadth and wealth of knowledge very rarely seen in the insurance and financial services industry.
With a strong focus on ever improving the customer experience, Future Secured Financial has created a concierge level of personalized attention for its clients. Combining this close personal attention with excellent results and a dedication to only SAFE MONEY STRATEGIES as the hallmark of our company, we have been able to bring peace of mind to clients throughout the country.
Contact: www.FutureSecuredFinancial.com or direct at 978.509.2941.
ALL MY MEN, an epic and true love story in our time. Acclaimed Amazon Best-Selling Author Sandy Rodgers will share her debut book with us. Written in 2002, what motivated this writer to deliver such a profound piece? Does she really believe the process she writes about or has she ever witnessed the results?
What words do you use to define the relationships you have with men? Are they kind and uplifting? Are your words cruel and mean? Can you remember past relationships with Love and Acceptance? Is it easy?
Find out why men love her so much and women flock to her for inspiration. Sandy opens up to reveal her lessons along life’s journey. Surely you have a burning desire to learn about personal relationships. Tune in and learn.
In the beginning, Congress supported the interest of Insurance Policyholders through ERSIA Legislation. The Department of Labor (which helps oversee enforcement) defines ERISA Legislation as, "The Employee Retirement Income Security Act or ERISA is a Federal law that sets standards of protection for individuals in most voluntarily established, private-sector retirement plans." This includes benefits such as Short-Term and Long-Term Disability and Life Insurance Plans.
Having trouble getting your benefits from Employer or Insurance Companies after twenty-four months? In my opinion, too many insured claims are thrown under the bus after two years. How much is your Insurance Plan worth in times of hardships?
Join Talking About You with ESTRA every Monday for information which protects Insurance Policyholders who are everyday citizens.
in Self Help
What is the difference between your term life insurance policy and your whole life insurance policy? Are you sure which one you have? Many Americans fin themselves in this very scenario where they are questioning what type of coverage they really have but are too embarassed to ask to find out. Its easy for us all to feel embarassed about it because after all we are the adults and should know, right? WRONG!!! Unless, you are a licensed professional all of this information can become Overwhelming and confusing to say the least. This week we will discuss more about the policies and when one is needed more than another. Enjoy the show!
As always, visit me in any social media account or my website at
to schedule a one-on-one.
Do you have Dream Insurance? Are you able to keep negative people from stealing your dreams. Need Dream Insurance then listen to Today's program and let us help you insure your dreams and goals.
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