Ted Whelan is the Owner of the Whelan Insurance Group, LLC. He is a proud veteran of the US Air Force. He is the father of two grown daughters and one minor daughter. He understands the need for insurance in all walks of life. Ted is an independent insurance agent who can write policies for over 100 different companies. He does not push policies from any one company.
He finds the best solutions for the best price based on his customers' individual needs.
He finds the best solutions for the best price based on his customers' individual needs.
Services
That's right, it's just me.
I take my profession and my reputation very seriously.
While I could have agents working under me in my company, I choose not to at this time.
Why?
My reputation.
If an agent who works for me does something wrong that negatively impacts a customer, that's a reflection of me.
I refuse to let someone else's incompetence hurt my reputation.
I've worked too hard throughout my life to have a good reputation, and that's too important to me to let someone else ruin it.
At the Whelan Insurance Group, we don't sell products.
I take my profession and my reputation very seriously.
While I could have agents working under me in my company, I choose not to at this time.
Why?
My reputation.
If an agent who works for me does something wrong that negatively impacts a customer, that's a reflection of me.
I refuse to let someone else's incompetence hurt my reputation.
I've worked too hard throughout my life to have a good reputation, and that's too important to me to let someone else ruin it.
At the Whelan Insurance Group, we don't sell products.
Cash value policies (Whole Life and Universal) grow their cash value on a tax-deferred basis.
Living benefits can provide a portion of the death benefit to the insured should they be suffering from a chronic, critical or terminal illness.
Term life is generally the least expensive type of life insurance.
With a term life policy, you decide how much coverage you need and for how many years.
Sounds simple, but there are things to consider such as conversion periods and living benefits.
These are some details that you need to discuss with a licensed insurance professional.
Living benefits can provide a portion of the death benefit to the insured should they be suffering from a chronic, critical or terminal illness.
Term life is generally the least expensive type of life insurance.
With a term life policy, you decide how much coverage you need and for how many years.
Sounds simple, but there are things to consider such as conversion periods and living benefits.
These are some details that you need to discuss with a licensed insurance professional.
A Buy/Sell policy is used for business partnerships.
It allows for the surviving partner(s) to buy out the deceased partner's surviving spouse/family.
A Key Man policy protects a company from a loss due to the death of a key person working for them.
Examples could be a specialized chemist working on a formula, or a famous chef for whom a restaurant is known for.
It allows for the surviving partner(s) to buy out the deceased partner's surviving spouse/family.
A Key Man policy protects a company from a loss due to the death of a key person working for them.
Examples could be a specialized chemist working on a formula, or a famous chef for whom a restaurant is known for.
The Marketplace is often referred to as "Obama-care".
The Marketplace offers "full coverage" health insurance policies and must meet Federal regulations.
I personally do not sell Marketplace policies, but have referral partners to whom I will refer any request for this type of coverage.
Short Term policies can provide health care coverage for up to 360 days.
These policies do not cover everything that Marketplace policies offer, but in many cases are far less expensive than Marketplace policies.
The Marketplace offers "full coverage" health insurance policies and must meet Federal regulations.
I personally do not sell Marketplace policies, but have referral partners to whom I will refer any request for this type of coverage.
Short Term policies can provide health care coverage for up to 360 days.
These policies do not cover everything that Marketplace policies offer, but in many cases are far less expensive than Marketplace policies.
Once people receive Medicare Parts A and B from the government, they have their choice of staying with original Medicare, purchasing an Advantage plan, a Supplement plan, or a Prescription Drug plan.
Original Medicare pays for 80% of covered procedures.
The beneficiary is required to pay the remaining 20%.
For example, if you went into the hospital for some type of procedure and your bill was $100,000 (not a shocking number these days), you would be responsible for $20,000.
Medicare Advantage Plans cover your Medicare Parts A and B, and some plans also cover your Part D. An Advantage plan must cover what original Medicare does and most plans do more.
Original Medicare pays for 80% of covered procedures.
The beneficiary is required to pay the remaining 20%.
For example, if you went into the hospital for some type of procedure and your bill was $100,000 (not a shocking number these days), you would be responsible for $20,000.
Medicare Advantage Plans cover your Medicare Parts A and B, and some plans also cover your Part D. An Advantage plan must cover what original Medicare does and most plans do more.
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