With the new health care bill legislation, there’s a lot of information out there and it’s very very complicated!  If you ever needed a good agent to navigate the complex and ever-changing sea of health insurance, it’s now! Expertise from an independent agent can be priceless and because they are independent, you’ll be assured they’ll have your best interest in mind.  Agents know insurance companies are loyal to their shareholders and do not attempt to give you (a small business or individual) the best product for the price if their product takes big rate increase.  An independent agent has the ability to ‘shop you’ with other carriers if there is a problem with your existing company.  Again, right now ALL insurance carriers are cutting cost and changing the way the game is played.  And they are ALL attempting to pay less claims and find ways to exclude certain conditions or reject the more riskier clients.  The key for you to is to know your agent NOT your company.  Whether you choose me as your agent or you have a strong family or long-term relationship with an agent, I strongly encourage you find someone that IS an expert and that you can trust.  I support small business owners and get to know them and their circumstances. My client tells me how much more personal care and service they receive since I have a vested interest in finding them the right coverage they need and deserve.