Tutoring, Education & Research Services
Our tutoring, education and research service is for when the commission structure of what we get paid to help you for by the Insurance Companies don’t work, like if you are asking for help on an employer plan, where we are not the agent.
We charge $125/hour is during the “Off Season.” During Open Enrollment – Medicare Advantage 10.15 – 11.7, Health Care Reform 11.1 to 1.31 there will be an increase. It just gets so hectic.
We often discount these rates or do the research pro bono, if it’s of general interest and will help build our website. Just use the comments/ask a question feature on the relevant page of our website and we generally reply within 1 business day, no charge.
Why & When might a Research, Tutoring & Education Fee be appropriate?
Dennis Prager in the video above right or scroll down specifically discusses the example of a woman knowing upon walking into the local camera store that she plans to buy a camera online. Nevertheless, she takes up thirty minutes of the salesman’s time with questions about one camera versus another.
You are intentionally stealing time from an innocent salesperson who could be earning a commission from working with a different customer. Are cameras, TVs, stereos and other items more expensive at stores than they are online? YES. But the schnorrer might want to consider that the salesperson’s time, the opportunity to test products, touch them, and compare them is worth the extra money you pay in person. You get what you pay for. … we have obligations as consumers, not just rights.
Yes, being a schnorrer is not illegal. But it’s unethical, and un-Jewish. (Ask any rabbi from any denomination.)
Dennis Prager – Is customer always right?
Video
View on You Tube
Guaranteed Issue – No Pre X Clause
Quote & Subsidy Calculation
No charge for our complementary services
Watch our 10 minute VIDEO
that explains everything about getting a quote
Authority and Limitations on Research Fees
We will NOT advise you, but only do the research and then YOU interpret and make your own decision.
ADVISE a : to give (someone) a recommendation about what should be done : to give advice to <advise her to try a drier climate>
b : caution, warn <advise them of the consequences>
c : recommend <advise prudence>
2 to give information or notice to : inform <advise them of their rights> Miriam Webster
Ministerial Duties Journal of Legal Profession
Nor do we practice law or give legal advice.
We only do our “best efforts.” We are not attorney’s and do not purport to be able to look up every single thing that might be relevant to your situation. It’s only research, it’s up to you to verify all information.
Tutoring, Research and Education only, appear to be fine and legal.
CA Insurance Code §32.5 “Life and disability insurance analyst” means a person who, for a fee or compensation of any kind, paid by or derived from any person or source other than an insurer,
advises, purports to advise, or offers to advise any person insured under, named as beneficiary of, or having any interest in, a life or disability insurance contract, in any manner concerning that contract or his or her rights in respect thereto.
Enforcement §1844 ♦ 7.2013 Notice ♦ 49 page treatise of illegal fees of financial planners
Colorado SB 18 136 allows fees when agent does not receive a commission.
Main Benefits of Broker Page, Site Map, Related Sibling and Child Pages
Unlawful Practice of Law – We don’t want to do that!
Property & Casualty Broker’s License, defined, other than Life, Health & Disability §1623
Agent Compensation – Health Care Reform – Will Work for Food Medi-Cal
I need “hand holding” in making this decision [Medi Gap as I’m turning 65, but already have Medicare due to a disability].
After reading that under certain situations you charge for your advice I decided to go in a different direction.
We normally do not charge fees as we get paid from the Insurance Company to help you.
When questions are asked on our website, we don’t charge as we both benefit, you get an authoritative answer with a citation and we get a bigger, better and more relevant website.
Fees are when there is no way we will be compensated, like if you are out of state, country or are asking about a plan where another agent is involved, like if you want to double check your brother in law or you have an employer plan and don’t think the employers agent, department of insurance or HR department is helping you.
The last time we charged, was where we answered all the questions on the website, but the guy still wanted an hour phone call to go over what we researched on the website. He had an employer plan and there was no way we were going to get compensated. Take a look at the Q & A. How long do you think that took? Then he wanted an hour phone call to review it.
Here’s some of that research…
https://employers.healthreformquotes.com/ab-1083/employer-definition/employee-definition/dependent-definition/disabled-children/#comment-50839
https://employers.healthreformquotes.com/ab-1083/employer-definition/employee-definition/dependent-definition/disabled-children/#comment-50831
https://employers.healthreformquotes.com/ab-1083/employer-definition/employee-definition/dependent-definition/disabled-children/text-law/#comment-50880
Here’s research we already had on under 65 on Medicare and now turning 65, guaranteed issue and lower rates for Medi Gap:
Guaranteed Acceptance when one turns 65
Medicare Plans for those under 65 who qualified by reason of a disability