Knowing the difference can save you money and frustration

 I'm here to help.

Serving Employees and Employers
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Individuals, Associations and Financial Institiutions
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GET THE TOOLS THAT PUT YOU IN CONTROL

IF YOU ARE AN EMPLOYEE, INDIVIDUAL OR 1099:

Do you understand your health insurance options?  Are you 100% covered?  Do you have a Health Savings Account?  Are you able to budget the amount you spend each year including your deductible?  Do you know what your employer contributes for you?

IF YOU ARE AN ENTREPRENEUR:

Do you have health insurance?  Have you found a way to offer health insurance to your employees while keeping your burn rate in check?  If you are a solo, are you concerned about pre-existing conditions?  Do you have a Health Savings Account?

IF YOU ARE AN EMPLOYER:

Do you offer insurance to your employees?  Are you using health insurance to better your employees and better your company?  Are your claims too high?  Are your premiums too high?  Do you spend the right amount on health insurance or is it breaking your budget?  Do you know why it is more effective to contribute to your employees' Health Savings Account rather than their 401(k)?  Do you even offer an HSA as an option?

IF YOU ARE AN ASSOCIATION OR FINANCIAL INSTITUTION:

Do you really add value for your members and customers?  Do you meet their needs with all that you offer?  Do you know all of the new ways to offer value with health insurance?  Do you want to improve retention and stickiness?

Scott W. Dowling is an insurance pro; innovative in thought and doesn't take no for an answer.  He has worked on behalf of some of the largest life and health insurers, such as Aegon, CIGNA and Metropolitan Life, as well as large and small brokers and third-party administrators.  Scott has primarily served small and mid-sized businesses, association members and financial institution customers over the course of more than three decades.  As a licensed producer, he serves as an independent broker.  Being independent means that he is beholden to no one and offers clear and unfettered recommendations that serve businesses and their employees best.

Scott is here to help.

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