Unfortunately, as the number of people losing their job-based health insurance continues to grow, individual health insurance policies are becoming more prevalent since many of these consumers are not eligible for Medicare or Medicaid.

Considering "pre-existing conditions," skyrocketing premiums and policy exclusions, the situation becomes even worse for consumers.  With the constant changes in the health insurance industry, it's never been more important to have an experienced, trusted insurance advisor working for you.  Whether you're working with a specific budget or need certain coverage included in your policy, you deserve to know how your policy will respond when you need it.  Once you need your insurance, it's often too late to correct any mistakes.