Small Business Insurance Rates Garner – The cost of health insurance and retirement worries almost everyone. As a result, many retirees are unhappy with their Medicare coverage, enroll in the wrong policy, and get stuck with excess costs that don’t cover their health needs.
After Taylor Garner’s father went through this experience, he focused on his work and preventing it from happening to others. As an American Republic Insurance Services® representative, he works hard to help his clients make informed decisions about their future. It helps them save money with customized insurance plans that meet their unique needs.
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In today’s episode, Taylor and I talk about the pitfalls and challenges of the health care industry that affect many retirees, why the right plan can significantly reduce your health care costs, and how you can get the various benefits of supplemental insurance. .
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[00:00:43] Dean Barber: Hello everyone. I’m Dean Barber, founder and CEO of Barber Financial Group. Welcome to the Guided Retirement Show™. This week we have Taylor Garner. He is a health insurance specialist. We’ll talk about health care and retirement costs, how to manage them, and the differences between Medicare Advantage plans and Medicare Supplements. Please enjoy my interview with Taylor Garner.
[00:01:06] Dean Barber: Okay. Taylor Garner, welcome back to The Guided Retirement Show™. You were here last time and it was the most viewed on YouTube with many downloads. I know health insurance and retirement costs are a major concern for almost everyone. Taylor has created an organization that is ready to address these issues personally. So, first let’s talk about your career and how you got into the health insurance field. Why do you think this is so important for people in retirement and even retirement?
[00:01:50] Taylor Garner: Thanks for being back, number one. We had a great show last season. I’m going to tell you a little bit about my story and why I’m doing what I’m doing right now. Honestly, it depends on my family. I remember having to help my dad who was very upset with Medicare at the time. After a little digging, I discovered that the agent who helped him get into the scheme was just a lie to him. The employee told him he was hiding a lot of things he wasn’t hiding.
Remember, I had nothing to do with insurance at the time. I don’t know anything about it, but from the documents and the statement I sent, it is clear that my father was cheated. That is what motivated me to follow the path that I followed. All I want is to help people. Almost 10 years later, I have helped hundreds of other people and hundreds more with the same problems my dad had.
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[00:02:50] Taylor Garner: It’s confusing. Insurance is complicated. Whether it is Medicare or non-Medicare coverage is confusing. So, you’ll find that people like my father need to contact an agent or someone like me to get help and find out what the different laws, options, and rights are. He is still in a relationship with the person who didn’t tell him the truth. He is a salesman in an insurance company. This man’s only job is to sell him the law. Whether it suits his needs or not, the employee did just that. The only way to do that is to lie to him about what the mask is.
[00:03:31] Dean Barber: I don’t want to say anything bad about the insurance industry in general, but I think they’ve bought some of the best customers in the world and they’re kind of rewarding it wrong. . They pay them insurance premiums. The more payers they get, the more work the insurance company gets. This creates a conflict of interest. Do they do what the person says or are they just looking out for their own interests? I think you see the same thing in the industry.
[00:04:15] Taylor Garner: Sure. You will see this even more when you see someone with a limited range of products to choose from. They tend to push products on customers that may or may not meet their needs.
[00:04:35] Taylor Garner: Freelancers have limited experience, training, and what they can sell.
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[00:04:41] Dean Barber: Our listeners or viewers may not know who the captive agent is. Can you explain that?
[00:04:48] Taylor Garner: Agents of war can take different paths. The easiest way to find a matchmaker is to work directly with a large insurance company. It’s hard to explain without naming the insurance company, which I won’t.
[00:05:05] Dean Barber: So they have one product. It’s like a round ball fitting into a square hole every time.
[00:05:11] Taylor Garner: Yeah. It’s like I’m a car dealer that only sells Fords. I’ll put you in a Ford. This is my job. But Ford may not suit your style. Maybe you want a Chevy, Tesla, or some other car. But I don’t work with those dealers, so I’ll sell you a Ford. A salesman like me helps people get into Teslas, Chevys, Fords – it doesn’t matter. It depends on your needs and preferences.
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[00:05:39] Dean Barber: So, Taylor, every time you get on the hood and start saying, “How can I make this the best thing for people?” Have you noticed a lack of education in the insurance industry?
[00:06:00] Taylor Garner: Yeah. As a new licensee entering the vast world of insurance with 100’s of different options to choose from, education matters. Learning and being able to work with or represent many companies is perfect for me because I come from a background where I want to teach and help people. So we started answering the question “How did you get into this?” It helps people solve problems.
When I first got my license I went to work for a real estate company and a butcher. It is one of the largest auto and home insurance companies. They are very limited in what they can sell. This is their only product. So my big question about insurance, which I knew nothing about at the time, was, “Well, what if none of these products fit the customer’s needs? Should we do that?” “Well, you just sell them. Do whatever you have to do.”
[00:07:06] Taylor Garner: That’s great. Therefore, I do not have a contract with this company. I started looking elsewhere and found Medicare and health insurance sellers. This is what I want to do.
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[00:07:17] Dean Barber: We work with people who are approaching retirement or retired. I’ve seen many cases where people say they can’t retire until they reach Medicare age because pre-Medicare health care is too expensive and will destroy their entire retirement plan. But it shouldn’t be like that.
[00:07:52] Taylor Garner: No, and a lot of it has to do with their financial advisor, because depending on what your financial advisor helps you do, you can retire completely. If you get the right care, your health care costs may not be as high as you think.
[00:08:13] Dean Barber: We know they’re out there and we know early retirement, I’ve been able to find our customers over the years. We look at health care spending relative to everything else they want to spend. And many times in the early years of retirement, they estimate, “That’s 15%, 18%, or 20% of my total expenses.” As a rule, it is somewhere between 15% and 20%. But once they reach Medicare coverage age, that number changes. So what’s the difference between someone who had a private health policy before Medicare? How will that change when they reach Medicare age? But is there much difference in what they cause?
[00:08:59] Taylor Garner: The biggest change is that when most people retire, their income goes down a lot. They no longer bring an active salary. So when they’re eligible for Medicare, they decide to retire because the $2,000, $3,000, $4,000 a month they were getting from work is gone. When their incomes decrease and the debt is real
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