An Overview of Health Insurance Coverage for Individuals in Florida

The first thing you should do when shopping around for health insurance in
Florida is to compare prices and services – this can be done quickly and easily
on-line. Make sure you compare the range of services offered, as well as the
deductible amount.

Florida is one of the fastest growing markets in the United States as far as the
choices for health insurance are concerned, with well over 500 insurance
providers. The central Florida and Orlando areas with their rapidly growing
populations and the large numbers of retirees help contribute to this picture.

Unfortunately, the Sunshine State is one of the most expensive states when it
comes to the cost of health insurance. During the past few years, there have
been some recent trends to lower the overall costs – many companies have
reported fewer claims from their employees.

There are no limits in Florida to the amount that a health insurance company is
allowed to charge for a policy – although your policy cannot be cancelled by the
company due to illness or worsening of condition. All group health plans in
Florida also have to limit the exclusion of a pre-existing condition.

Florida is one of the most innovative states when it comes to health insurance,
and those who can’t afford it. Levy County in central Florida area is also one
of a few counties in the state participating in a program aimed at people who
can’t afford health insurance. The program offered by a local pharmacy gives
free enrollment and a substantial discount on prescriptions to those who
normally wouldn’t be able to afford to participate.

The state’s comprehensive Medicaid program also provides free health coverage
for people who qualify such as the elderly, disabled and pregnant women.

Florida also has a program known as the Kidcare program which provides essential
health insurance to children under 18 who otherwise would not have health
insurance. Generally speaking, you are eligible for Kidcare if your earnings are
significantly below nationwide poverty levels.

Insurance Marketing Agencies – Insurance State Data Information Guide to Sell Insurance

Like insurance marketing agencies, each state also has its own personality. Analyzing insurance state data information, reveals where it is easier to sell insurance. This information is a guide to where insurance marketing agencies get best results for obtaining general insurance brokers and why.

Some states have loads of agents and brokers that are very friendly and open to new insurance opportunities. Other states seem locked in a time zone 5 years behind independent thinking states. Many factors, including state date information and census bureau analysis show how hard it is to get the attention of brokers, independent agents, and general agents to respond to your mailing offer. Insurance marketing agencies must concentrate recruiting and mailing to certain states that will definitely pay off. Using this guide is a great way to maximize your marketing budget and ultimate advanced marketing production results.

On the top 3 states it is: Florida, #1, California #2, and Texas #3. The #4 through #10 top insurance product marketing states are covered below.

OHIO, Rating #4

Finally, the first state that is not on the border or coast. The same land-locked trend is true of these next states on this page. Ohio we call “the profit potential state”. Our feedback from agent recruiting firms, using our lists is overwhelmingly favorable for over 20 years straight! The recruiting secret why results can be obtained almost immediately: Ohio has four distinct agent population districts instead of just one or two. This geographic factor makes it hard for a particular insurer to monopolize the entire state. The four metropolitan areas are Cleveland, Columbus, Cincinnati, and Dayton. Where do you set up your recruiting operation? Wherever it is, is also the likely location of most of your recruiting effort.

Factories with unions providing employee benefit plans are rather prevalent. Nonetheless, Ohio it is still a strong state for group and work site benefit plans. The Ohio agents that are with a major career life insurance company, are much less loyal than in most states. That means to you, the recruiter, they broker business to recruiting firms properly baiting their hooks. It also means a huge need for attractive brokerage products, expanding well beyond life insurance.

GEORGIA, Rating #5

Like most southern states, debit agents used to have an enormous impact on the insurance agents. These agents sold very small life insurance policies, and have established routes, where weekly or monthly they pick up the premiums directly from their clients. These agents were employees of the company, which means that when they left, so did their renewals which were not vested. The old route was simply passed on to another rookie agent to handle. Needless to say, low-income potential, high training costs, and modern banking policies have pretty much decreased debit life insurance company presence to a minimal factor nowadays. Georgia is split in two zones, 55% of the licensed agents in the Atlanta Area, Zips 300-303, and 45% for the remainder of the state. Our Georgia advice: Stay OUT of Atlanta. These Atlanta agents are bombarded with almost daily insurance solicitations for insurance products by fax, email, telemarketing, and direct mailing. The quality selected, outside Atlanta, area agents seem excited to receive a direct mail piece offering a genuine opportunity. Make your move to reward yourself with a sweet piece of the Georgia pie

WISCONSIN, Rating #6

There is no doubt that Wisconsin is a dominant Fraternal Life Insurance Company state. Their fraternal agents offer “certificates” instead of polices to “members” instead of clients. The Fraternal Organization holds benefit events for hard stricken members, and may be formed around a common work trade, religion, or life concept. The menu of products offered by Fraternal insurance companies is rather small. This gives the secret to Wisconsin recruiting: Fraternal insurance agents are exceptionally brokerage minded. The average number of outside companies a Wisconsin “broker” is licensed with, far exceeds the national agent average. As the state of Wisconsin is somewhat overlooked, its has over 10,000 agents that have already contracted with at least one outside carrier. Your carrier should be the next one they consider.

MINNESOTA, Rating #7

The state of Minnesota possesses many of the valuable marketing characteristics that Wisconsin has. In the land of ice and snow and lakes, it also has many fraternal life insurance agents. Consider this fact. Many large insurance brokerage orientated insurance companies have regional recruiting directors. In the Midwest, this central hub is Chicago, Illinois. This means 70% of their recruiting time and budget is conveniently located in that recruiting hub, even though the region includes other states like Wisconsin, Ohio, Michigan, Minnesota, or more. Our recruiting tip – Keep your recruiting dollars outside of a recruiting ‘hub’. Also giving less attention to Minneapolis/St Paul will produce more solid leads. The competition pressure is low, so your results could boil over the top.


North Carolina agents may carry a heavy accent, but they also carry a heavy brokerage swing that can easily hit you a couple homeruns. Usually the internet interest in brokers seeking marketers is closely aligned with the number of recruiters in this insurance marketing territory seeking brokers. In North Carolina, this scale is tipped drastically in a different direction. Good North Carolina brokers are looking for insurance marketing firms! We have noticed that North Carolina gets one-third the recruiting solicitation that Georgia does, and one-half that of Tennessee. Part of this credit goes to cities like Greensboro, Charlotte, and Raleigh, that all have good agent bases. This is unlike Atlanta or Nashville with sole agent population center domination. By recruiting top-notch North Carolina agents, you have so much to gain, plus one giant bonus point. The brokers in North Carolina are more loyal to a marketing firm that treats them right than anywhere else we have seen.

MICHIGAN, Rating #9

In Michigan lets look at the negatives first. The large presence of automobile and automotive supplier unions, among others has virtually wiped out the group insurance market. Some individual major medical potential exists but with Blue Cross being so dominant, and offering such paltry commissions, it hardly makes the market worth pursuing. Another drawback is that the metro Detroit area contains over half the agents and over half the population. The plus factors include the well-off union retirees who have moved outstate, the non-presence of insurance marketing hubs. This is further enhanced by the poor job career life companies have done helping agents overcome early career obstacles. Our tip is look for agents with at least 6 years experience. The metropolitan Detroit area is very good for advanced life and annuities directed at the professional market. However, observe the constant sways and effects of the economy in this metropolitan area. The out state area is prime for long term nursing care. Don’t zoom by the motor city state.

MISSOURI, Rating #10

Close to a tie with Michigan is Missouri, but still making the top ten round out. However, the state is very different, with very few unions and a median family income $3,000 below the national average. In this state, the good parts of Midwest agent personality; start to blend with some Southern Hospitality. It is surely a good show me state, where an abundance of independent and semi-independent agents know that show me a good product offer and I might be interested is a winning combination. The sufficient senior citizen base in the state would have to be rated good for long term nursing care, whereas the lower income could be a slight drawback to over sophisticated annuities. KISS – A Keep it Simple State.

Understanding Florida Condo Insurance Discounts & Mitigations

We are going to discuss how to reap the discount benefits from Florida condo insurance and Florida home insurance discounts by understanding and applying mitigation inspection reports. The state of Florida requires insurance companies to offer reduced rates for wind mitigation features.

In Florida this reporting system is standardized by all property insurance companies. Years before many carriers used the standardized Citizens insurance companies mitigation inspection forms as the standard. Meanwhile other insurance companies required insured’s to use their own made non standardized forms.

This practice was chaotic with all different forms from one carrier to the next made it difficult for consumers to change carriers or receive insurance discounts they were entitled to. Today we have a standardized form developed by the Office of Insurance Regulation on which the majority of Florida insurance carriers abide to called “The Uniform mitigation verification inspection form”. This inspection form when completed is valid for a period of 5 years of discounts.

Recently many consumers had been taking advantage of this form and the given discounts by misleading the insurance carriers. These insurance companies have become very strict on who can now inspect and sign off on this form including, a Florida licensed general, residential or building contractor

o A licensed building inspector
o A registered architect
o An engineer in the State of Florida
o A building code official (who is duly authorized by the State of Florida or its county’s municipalities to verify building code compliance).

Licenses today are checked for validity before a carrier will give such discounts.

All buildings and structures are not built the same or at least not similar enough before the Florida building codes of 2001.

Florida is a state with catastrophic hurricanes which occasionally come to visit. One of the most valuable aspects of property insurance in Florida is windstorm hurricane coverage. This coverage will most likely bear the greatest insurance cost.

In order to lower insurance premiums buildings are built or redesigned to withstand wind gusts as great as 300mph.

If your property has such features to withstand hurricane winds then the insurance costs can be drastically reduced by as much as 70%.

Verifying these structural features requires individuals to hire inspection companies or professionals at their own expense to complete the required form needed by the insurance carrier. It is recommended in 80% of the time to have an inspection performed since there may be unnoticeable features which can reduce premium.

If a condominium building contains a cement reinforced roof which most high rise buildings do, then the discount can be a significant large amount. Or any structure with cement reinforced roof. The strength of the roof structure is a vital key discount. Not so much as to what type of tiles are laid on the roof.

Then there is how this roof structure is attached to the building itself. Discounts apply when roof decks have been installed with large nails and close spacing. It may be secured by clips or straps. These may look like metal brackets that are nailed from the underside of the roof to the beams attached to the remainder of the building and holds the roof structure to the walls.

There is something known as secondary water resistance which can prevent the roof from allowing water penetration in the extreme case the roof tiles are removed or blown off by strong hurricane winds.

The roof shape is also a vital part. Structures built before 2001 may be more unlikely to have roof shape discounts due to Florida’s building code changes for hurricane compliance. The most common type of shapes is Flat, Gable, and HIP. These shapes are displayed in pictures on our Florida home insurance quoting page website. The HIP shape is the most beneficial for insurance discounts. The HIP shape is described as a roof which slopes down to the eaves on all four sides. This allows high winds to deflect and not clip any one side of the structure off the building.

Another important discount is the openings in the building. These are all the windows and doors. This usually may refer to hurricane shutters and can also apply to new hurricane impact windows and doors. Please note if you do not have shutters on EVERY window and door of the home then this discount will not apply. It is a discount of either all or none.

Newly constructed homes built after 2002 automatically receive many of the windstorm discounts as they adhere to the
newer Florida building codes.

Of course there are other discounts which can reduce insurance premiums like inside sprinklers, central monitoring fire and burglar alarms but these are not a factor when reducing the insurance windstorm portion. Also you can select to have a hurricane shutter inspection done without the other windstorm features. This would reduce the cost of your inspection.

Keep in mind the cost of the inspections may be a significantly worthwhile investment considering the insurance premium savings either in the first year of the insurance policy or through the next few years. Always verify the inspection company or person you hire is Florida licensed and will be accepted by the insurance company. Always get a receipt and negotiate or confirm the inspection price before you hire them.