Thursday, September 6, 2012
Great News from Triest Agency!
Whenever we have the opportunity, we are delighted to share our good news with the entire Triest family of policyholders, friends, and clients. That's why we are pleased to announce staff changes.
Pollyanna Lengel has been promoted to the position of Commercial and Professional Lines Account Executive. Pollyanna has been with the agency as an agent offering professional liability coverage and will be taking duties previously assigned to Joy St. Martin. Joy recently left the agency to pursue another opportunity. We wish her only the best in her new ventures. Pollyanna has over 23 years of insurance experience. She is a native of Georgia and a graduate of Auburn University. Pollyanna's direct number is 843-303-9160 or pollyanna@triestagency.com .
Amber Posey has recently joined the agency as an administrative assistant and social media director. Amber is a graduate of the College of Charleston with a degree in English. Amber's direct number is 843-303-9209 or amber@triestagency.com .
Christiana Davies has recently joined the agency as an administrative assistant. Christiana is a graduate of the College of Charleston with a degree in History. Christiana's direct number is 843-303-9163 or christiana@triestagency.com .
Please don't hesitate to contact us at 843-556-6232 if you have any questions or if we can provide assistance with your policy. As always, we'd be happy to hear from you, and look forward to sharing more good news with you in the near future.
Larry W. Freudenberg
President
Triest Agency
1052 Gardner Road
Charleston, SC 29407
larry@triestagency.com
843-303-9200
Monday, October 18, 2010
Tuesday, October 12, 2010
Thursday, September 30, 2010
Tuesday, September 14, 2010
Wednesday, July 21, 2010
Monday, June 21, 2010
Avoid this common and costly self-employment health insurance error
Avoid this common and costly self-employment health insurance error by Alston Balkcom
in Insurance / Health Coverage (submitted 2010-06-17)
If you are a new business owner and need medical care insurance coverage, you probably have several alternatives and it may be hard to choose which choice is best for you. You may have the option of keeping your COBRA coverage from your most recent job, you may be able to get coverage through your spouse's employer, you may be able to get health insurance on your own as an individual and you may have the option of buying coverage through your business.
The biggest error you can make is to believe that all of the choices are equal or nearly so. Often a newly self-employed person will accept their COBRA option or the options offered through their spouse's job and never look around to see if they could get a better price or policy. This is understandable. It is hard to start a business and taking the easy way out regarding your medical insurance allows one to devote more time to other business-related decisions.
As understandable as this is, it is a mistake because it can be very costly. The most pricey alternative available that will cover you well will more than likely cost twice as much as the least costly choice.
Each alternative listed above has its pros and cons. For this reason, the best choice for you may not be the best choice for someone else.
Accepting the COBRA choice from a previous job has the advantage of allowing you to stay with your present policy. It also requires the least amount of paperwork and no medical questions.
There are, however, two major drawbacks. The first is that the policy is only good for a short period of time. This means that when your COBRA eligibility ends, you will need to find another health insurance policy. If you have an accident or develop diabetes, cancer or another major illness between now and then your alternatives for other contracts may not be as good as they are today. The second drawback is the likelihood that this option is one of the more costly choices.
Another choice you may have is to get your health care insurance through your spouse's place of business. This can be a good option. However, many employers are now only subsidizing the cost of their employees' medical care coverage and not the cost of their employees' dependents insurance. This can result in a higher cost than you might get from one of the other options.
Another problem with purchasing coverage through your job's plan is that your coverage will end when your spouse's employment does. It can also end if his or her job decides to stop offering health insurance coverage to its employees.
Buying coverage through your business is another option. However, do not expect a group insurance discount. Group insurance costs more than the typical policy you can get on your own. The reason for this is that group insurance contracts typically have to take all comers. This forces the insurance company to charge more for these contracts than a policy you can buy on your own.
The best option for most people who have one-person businesses is to purchase a medical insurance policy as an individual or as part of a family plan. If you have medical issues that prevent your purchasing a policy on your own, one of the other options will more than likely be better for you. However if you are in good health, you will more than likely be much better off with a policy you purchase as an individual.
About the Author
You can find both business health insurance prices and life insurance quotes on the author Alston J. Balkcom's website.
in Insurance / Health Coverage (submitted 2010-06-17)
If you are a new business owner and need medical care insurance coverage, you probably have several alternatives and it may be hard to choose which choice is best for you. You may have the option of keeping your COBRA coverage from your most recent job, you may be able to get coverage through your spouse's employer, you may be able to get health insurance on your own as an individual and you may have the option of buying coverage through your business.
The biggest error you can make is to believe that all of the choices are equal or nearly so. Often a newly self-employed person will accept their COBRA option or the options offered through their spouse's job and never look around to see if they could get a better price or policy. This is understandable. It is hard to start a business and taking the easy way out regarding your medical insurance allows one to devote more time to other business-related decisions.
As understandable as this is, it is a mistake because it can be very costly. The most pricey alternative available that will cover you well will more than likely cost twice as much as the least costly choice.
Each alternative listed above has its pros and cons. For this reason, the best choice for you may not be the best choice for someone else.
Accepting the COBRA choice from a previous job has the advantage of allowing you to stay with your present policy. It also requires the least amount of paperwork and no medical questions.
There are, however, two major drawbacks. The first is that the policy is only good for a short period of time. This means that when your COBRA eligibility ends, you will need to find another health insurance policy. If you have an accident or develop diabetes, cancer or another major illness between now and then your alternatives for other contracts may not be as good as they are today. The second drawback is the likelihood that this option is one of the more costly choices.
Another choice you may have is to get your health care insurance through your spouse's place of business. This can be a good option. However, many employers are now only subsidizing the cost of their employees' medical care coverage and not the cost of their employees' dependents insurance. This can result in a higher cost than you might get from one of the other options.
Another problem with purchasing coverage through your job's plan is that your coverage will end when your spouse's employment does. It can also end if his or her job decides to stop offering health insurance coverage to its employees.
Buying coverage through your business is another option. However, do not expect a group insurance discount. Group insurance costs more than the typical policy you can get on your own. The reason for this is that group insurance contracts typically have to take all comers. This forces the insurance company to charge more for these contracts than a policy you can buy on your own.
The best option for most people who have one-person businesses is to purchase a medical insurance policy as an individual or as part of a family plan. If you have medical issues that prevent your purchasing a policy on your own, one of the other options will more than likely be better for you. However if you are in good health, you will more than likely be much better off with a policy you purchase as an individual.
About the Author
You can find both business health insurance prices and life insurance quotes on the author Alston J. Balkcom's website.
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