I was inspired by a combination of personal experiences and a strong desire to help others achieve financial stability and security. Having a behind-the-scenes glimpse into the claims, portfolio servicing, and planning done for clients highlighted to me the importance of my role in supporting my clients’ financial goals. My interest in numbers and problem-solving aligns well with the analytical aspects of this career, giving me the opportunity to make a tangible difference in people’s lives by providing sound financial advice and ensuring they have appropriate insurance coverage.

I believe in building strong, trust-based relationships with my clients by always putting their best interests first. Therefore, my philosophy is to provide clear, honest, and unbiased advice, ensuring that clients fully understand their options and the implications of their decisions. My goal is to guide clients to have a clear long-term financial plan mapped out and to implement and make the necessary adjustments through the years.

I regularly participate in professional development courses and certifications to stay updated with the latest industry trends, regulations, and best practices. Additionally, I focus on understanding each client’s unique needs and providing customized solutions rather than a one-size-fits-all approach.

I always encourage open communication and ask clarifying questions to ensure I have a clear picture of their financial situation and objectives. Most importantly, I make it a point to schedule regular reviews to update the client’s information and adjust their financial plan or insurance coverage as needed.

I provide updates on changes in health insurance regulations and new plan offerings, conduct regularly scheduled workshops and webinars to educate clients about health insurance, and offer comprehensive guides and articles on different types of health insurance, coverage options, and common terms.

I make sure to advocate on behalf of the client with insurance providers, and collaborate with other experts, such as legal advisors or medical professionals, when necessary, to ensure comprehensive advice.

One example that stands out involves a client who faced a severe and unique medical emergency that was traced back to a congenital illness. The client’s initial claim was denied due to a misunderstanding of their policy’s coverage terms. After reviewing the policy in detail and identifying the coverage clause that applied to the situation, I coordinated with the client’s healthcare provider to gather all necessary documentation and submitted a comprehensive appeal to the insurance company. Throughout the process, I kept the client informed and provided emotional support whenever possible. Thankfully, the appeal was successful, and the client received full coverage for their medical expenses, alleviating significant financial stress during a challenging time.

Some clients think they don’t need insurance because they are young and healthy, which is absolutely not true. Therefore, I make it a point to remind them of the possibilities of unexpected accidents or illnesses and the financial protection health insurance provides. Additionally, some believe insurance is too expensive. In that case, I always help them understand that there are affordable options available and remind them that the cost of not having insurance can be much higher in the event of a medical emergency.

Not considering potential future health needs and selecting the cheapest plan without considering the coverage and benefits are common mistakes that can be avoided. For these instances, I always encourage clients to think long-term and choose plans that can accommodate changes in their health status.

I advise being fully aware of what your policy covers and any associated costs, such as copayments and coinsurance, to avoid unexpected expenses. Additionally, I recommend regularly reviewing your insurance coverage and making adjustments based on changes in your health or financial situation. Taking advantage of preventive services covered by your insurance or company, such as annual check-ups and screenings, can help catch health issues early.