The Effective Free Classifieds

Independent Insurance Broker

I can help you make the right decisions. If you would like several quotes for a variety of plans and premiums from a list of insurance companies and receive additional information on specific features as well, please contact me for a consultation. Thank you!

Naomi Nguyen
714-721-8463
naomi.investments@gm­ail.com

Health and Dental Insurance:

Word & Brown (www.wordandbrown)­

Word & Brown General Agency is a part of The Word & Brown Companies and the leader in developing and distributing health benefit plan models and solutions to licensed brokers.

For more than 20 years, Word & Brown has worked with premier health plans to offer a comprehensive product portfolio and develop innovative sales tools and quoting systems so brokers can provide quality benefits solutions to their clients. Word & Brown distributes products and services for individuals, families, and employer groups of all sizes.

Word & Brown set the industry standard for quoting systems in 1984 and continues to delivers prompt, knowledgeable service and extensive sales support to brokers. Calls and e-mails are immediately answered by sales representatives who are ready to evaluate and compare health plans, prepare a quote, and provide the latest information. Quotes can be delivered online to a secure inbox, via e-mail to designated addresses, or as bound, printed proposals within 24-hours.

Word & Brown also offers a statewide team of field representatives to accompany brokers on client presentations or consult with them in their offices. Enrollers even conduct employee meetings at client sites on the broker's behalf, and offer bilingual enrollment support.

Additionally, Word & Brown supports brokers by offering continuing education classes in convenient regional locations and numerous seminars about health plan updates.

The Word & Brown Companies, headquartered in Orange, Calif., provides services to nearly 60,000 employers covering close to 6.5 million people nationwide. During its more than 20-year-span, The Word & Brown Companies has become the nation's recognized leader in developing and offering innovative technology and health benefit plan models and the nation's most sophisticated employee benefits services to companies of all sizes. It includes: Word & Brown General Agency, CHOICE Administrators®, the nation's leader in developing and administration employee-choice health benefit programs; CONEXIS, the nation's most trusted employee benefits administrator, providing COBRA/HIPPA, FSA, Commuter Benefits, and Direct Bill services to thousands of clients nationwide; and Quotit® Corporation, the leading Internet application service provider for the health insurance and employee benefits industry.

Products and Services.

Small-group and large-group HMOs, PPOs, POS, EPOs, HRAs, HSAs
Individual and Family health plans
Short-term medical for individuals
Dental, vision, chiropractic, Group Term Life, LTD
Flexible benefits: Section 125, Section 132 (parking and transit)
Section 105 HRAs
COBRA and HIPAA compliance services
Prevailing Wage Hour Bank programs

Life Insurance with living benefits rider:

National Life Group- "Life Insurance Company of the Southwest"
www.nationallife.com­

Life Insurance of the Southwest was incorporated in 1955 under Texas law as a legal reserve life insurance company. LSW is licensed to do business in 49 states and the District of Columbia.

In February 1996, National Life Group acquired a majority interest in LSW and in June, 1999 LSW became a wholly owned subsidiary of National Life. Founded in 1848, National Life Insurance Company is among the ten oldest life insurance companies in the United States and is licensed to do business in all 50 states and the District of Columbia.

LSW is a member of the National Life Group, a dynamic and growing family of financial service companies. LSW and its parent insurer, National Life Insurance Company, have substantial capital. Each insurer is financially strong in its own right and is separately responsible to its policyholders for maintaining its assets and for its claims paying ability. LSW and National Life’s combined total GAAP equity stands at $1.4 billion and at the end of June 2008 our combined statutory surplus stands at more than $850 million. As part of a mutual holding company structure, we focus on our long-term obligations to policyholders rather than the immediate demands of shareholders. Our decisions in recent years to focus on our core businesses mean that we have not strayed into the speculative areas that are now causing such difficulty for other businesses.

National Life Group is a diversified family of financial service companies that has successfully forged a strong identity as a product innovator offering personalized service. Companies in the group offer a comprehensive portfolio of life insurance, annuity and investment products to help individuals, families and businesses pursue their financial goals.

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