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The Gaudreau Group Explains How Individuals Can Save Money on Their Connecticut Life Insurance During the New Year


Wilbraham, Massachusetts (PRWEB) December 31, 2011

When it comes to making New Years resolutions, many people have the same goals on their lists. The team at The Gaudreau Group knows one thing that may be left off of New England residents resolution lists is Connecticut life insurance. While this may not make sense at first, life insurance fits in perfectly amidst goals of improving personal health and nixing bad habits.

The experts at The Gaudreau Group want all of their clients to start the new year off on the right foot. Therefore, the team would like to highlight how common New Years resolutions can make it easier and more affordable to obtain Connecticut life insurance:


There is no lack of evidence to show that smoking cigarettes has a negative impact on a persons health, but smokers should also know that the habit can cost them in terms of life insurance. The same goes for obesity. Making healthy lifestyle changes can show that individuals are taking the initiative to extend their life expectancy, which may earn them lower premiums on their life insurance policy.
Many people pledge to be more responsible during the new year. Those who have a history of motor vehicle accidents can take steps to improve their driving record, which may in turn save them money on their life insurance. This is because insurers will not perceive people with good driving records as risk-takers.
Money problems are certainly not uncommon in this economy, but a poor credit score can inhibit people from obtaining loans and an affordable rate on their life insurance. Therefore, the team at The Gaudreau Group recommends that individuals commit to making smarter financial decisions in 2012.

People may find that there are a number of things that are already on their New Years resolution list that will benefit their Connecticut life insurance premiums. Whether its a lifestyle change or a budgeting overhaul, local residents can simply use their New Years resolutions to become better candidates for low-cost life insurance. The Gaudreau Group encourages New Englanders to inquire about how they can start the new year off right with life insurance that will protect them, their families and their loved ones.

About the Gaudreau Group:

The Gaudreau Group, Inc. is a multi-line insurance and financial services agency established in 1921. We combine the traditional service philosophy of an independent agency with the dynamic talents of our marketing and sales teams. As a multi-faceted agency, we offer a broad range of insurance and financial products from basic life, home and auto insurance to complex corporate services for individuals and businesses throughout New England.

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More Life Insurance For Smokers Press Releases

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Life insurance policies should be reviewed periodically

Life insurance policies should be reviewed periodically
“It is important to have your life insurance needs reviewed from time to time, especially when major life changes occur.” Changes in employment, educational plans of children, retirement prospects and many other factors should prompt a review of …
Read more on The State Journal-Register

Vantis Life Completes Third Consecutive Year of Double Digit Sales Growth
By Vantis Life Insurance Company WINDSOR, Conn., Jan. 26, 2012 — /PRNewswire/ — Vantis Life Insurance Company today announced record growth in new recurring life insurance sales for the third consecutive year. For the calendar year 2011, …
Read more on Sacramento Bee

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American Diabetes Wholesale Donates $5,000 In Diabetes Testing Supplies For National Diabetes Mall Testing Tour


Pompano Beach, FL (PRWEB) January 25, 2012

American Diabetes Wholesale is donating $ 5,000.00 in diabetes testing supplies in support of the National Diabetes Mall Testing Tour which starts next month.

The tour is designed to take diabetes testing to the public in a manner that has never been done before and will feature free diabetes screening, free blood pressure monitoring, and cooking demonstrations. Developed by Celebrity Chef and Best-Selling author Charles Mattocks, the tour is scheduled to visit major metropolitan cities such as Atlanta, Dallas, Washington DC, Los Angeles, Orlando, and Miami.

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Is It Time for Uniform Disclosure Legislation in Health Insurance?

Dana Point, CA (PRWEB) April 10, 2006

Ethics in business is a prevailing issue in todays society. All categories of business contain many ethical and honest companies and personnel, however there is always a segment of those who are either less ethical or simply fail to disclose all the facts of a transaction. The health insurance industry is a business category where lack of disclosure could lead to significant monetary cost for todays consumer.

Aside from the issue of ethics, there is the issue of how information is presented to the public by health insurance carriers. Today, there is no disclosure legislation in place to assure that everyone is presenting features of plans in a uniform manner. In this writers opinion, there are five critical elements to any health insurance plan:

Major medical deductible

Coinsurance percentage

Coinsurance or out of pocket maximum

Doctor visit co-pay

Rx benefits

An example of lack of uniform disclosure is the manner in which the coinsurance maximum is presented to a prospective buyer. This is an important term in that it signifies when a health plan member has paid out the limit of his liability, usually based on a calendar year, thus reaching a point where the insurance carrier pays all remaining covered expenses at 100%. Certain carriers include the deductible amount in the coinsurance maximum, while others do not, thus leading to consumer confusion.

Another example is that a few health carriers sell plans that contain deductibles by incident rather than by calendar year, which means that if an insured member is hospitalized more than once in a calendar year for different issues, he or she has to satisfy the deductible on each occurrence. This feature is hardly ever communicated to the consumer and leads to confusion and consternation when claims are not paid.

Many ethical insurance brokers major frustration with the industry is related to cases in which brokers or carrier representatives misrepresent coverage benefits by omission. If a uniform disclosure act was passed and simply covered the basics, the consumer would be able to make a more intelligent purchasing decision, and those companies and brokers who are only interested in the sale would have to exert much more caution in how they present health plans. Uniform disclosure puts everyone on a more level playing field and actually would greatly assist the many conscientious agents whose primary objective is helping clients obtain the best health insurance coverage for their personal needs and budget.

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How do I become a Life and Health Insurance Broker in Arizona?

Question by Samie: How do I become a Life and Health Insurance Broker in Arizona?
I have found how to become an Agent, but I want to be the Broker. Is there a time requirement as an Agent, like in Real Estate, before I can become a Broker? Or can I study and pass the exams for Insurance Broker without a time constrant. I’m pretty smart and capable, and would like to just go do it, and start building up my own business. I don’t know what the Broker Exam is called. What I have found seems a little abstract. Any help?

Best answer:

Answer by mbrcatz17
There isn’t any difference, from your point of view, in an agent and a broker. The license is the same.

You want a producer’s license.

Good luck finding someone to let you sell their insurance. That’s the hard part.

Know better? Leave your own answer in the comments!

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