MESSENGER
Jeff Lecoeuche Insurance Agency, Inc. updated their business hours.
HUGE CONGRATULATIONS to Ian for passing his P&C Exam this past weekend! He has been a part of the office team for over a month, working in our Commercial Department. He is looking forward to assisting you with your commercial insurance needs! Contact us at (707) 526-5222
Today I want to let business owners know about Covered California for Small Business.
Covered California’s Small Business Health Options Program is a health insurance marketplace specifically designed for small businesses with 100 or fewer fulltime
employees a choice of competitively priced health insurance
plans from private insurance companies, so both the employer and
their employees can find a plan that fits their needs and budget.
Covered California offers small businesses and
individuals quality health insurance plans with
standardized health benefits and four defined levels
of coverage: Bronze, Silver, Gold and Platinum.
Through Covered California, small business owners
can compare and select group health plans from
many participating health insurance companies.
Covered California also enrolls eligible employees
in their selected health plan and consolidates
employer billing into one monthly invoice.
Employers can choose one or two plan levels of
coverage to offer employees and define the amount
they will contribute towards their employee premium.
Each employee may then choose a health plan that
meets their needs within the employer’s defined
level(s) of coverage.
Small businesses have the option to enroll in small
business health insurance plans at any time throughout
the year.
Call us to learn more! We make it easy for your business, and add Dental, vision, life and more benefits that will make you look like a hero to your employees and increase retention!
Do you like taking risks? How much? How much is too much? What about controlled risk? like a roller coaster for example. Most of us have ridden on one, and enjoyed the thrills, or sick feeling. When we submit our life to a ride, we just hope it is as safe as possible. What about when we drive our car, or when our kids drive...
What type of risks do you take with your business? How do you insure that risk? Insurance is the best way to protect ourselves from all the risks life throws at us. We cannot eliminate risk but we can insure it! How do you know what you need to insure? Sit with your agent for a thorough review at least once a year or when you have significant change in your life or business. Ask questions, run a scenario for what could go wrong and insure it! We are your local agent, we know our community and our mission is to protect it.
The sunset yesterday at Dillon Beach was magnificent! It made me reflect about the sunset of our life. I am 57 years old and I reflect a lot on how to protect myself and my family in the (pre-sunset ?) of our lives.
What protection should you have?
1: Life insurance is a must to protect your loved ones. Term or permanent Life Insurance make sense in different situations. How much should I have?
2: Disability insurance. Short term and long term to replace my income in the event I became disabled. I recommend that your policy that covers your OWN OCCUPATION.
3: Health Insurance. Know my plan, deductibles, co-pay maximum out of pocket. Do I need to change it as I am aging to get more benefit?
4: Long Term Care. Statistics show that 1 person out of 2 will use Long Term Care, and if i do not want to be a burden for our children, my wife and I need to have that coverage. it will provide us with a pool of money to hire help once we are not able to accomplish all our activities of daily leaving like Toileting, Ambulating, Bathing and so on.. Long term care will also allow us to stay home together longer and not to have to go to a medical facility!
5: in 8 years, I will enroll in Medicare and Medicare supplement or Medicare advantage, and Part D.
6: When my wife and I travel to see our kids and family, we purchase Medical travel Insurance to make sure we have the proper coverage in a foreign country.
Ask us for details!
WHY DID THE CHICKEN CROSS THE ROAD?
Good question! Having a tea at Peets in Cotati, I was amazed at the hens and rooster attempting to cross the road, to backtrack each time a car came by! As I watched, I reflected on our life in general and how we are somewhat like the chicken, walking toward risk, without thinking of the consequences. We take risks every day, driving, working, playing sports, and so on...According to LIMRA's 2018 survey, about 60% of all people were covered by some type of life insurance in 2018. Out of these, some are accidental life policies, employer group life policies, and they might not be enough to protect your family!
How much life insurance do you need?
There are different ways to calculate what you need: Income replacement calculation, where we use a multiplier of your annual income, or a lump sum which invested will produce the income needed, or a specific plan where we list everything you want to achieve for your loved ones if you were to pass. For example: Mortgage of the house paid off, all other debts paid off (Credit cards, car loans and so on...)college funds for the kids, retirement account, burial cost, and so on...
I can work with you with both formulas.
We offer multiple types of Life Insurance Policies to adapt to your unique needs.
LET'S CROSS THE ROAD SAFELY!
