Allied Brokers | eNewsletter

Welcome to Allied Brokers' May 2011 Newsletter!

Client of the Month

Jack McKinney Jr.
Senior Account Executive

Payroll Services | HR Administration & Compliance | Tax Services
401(k) and Employee Benefits | Time and Labor Solutions

1111 Bayhill Drive, Suite 350 | San Bruno, CA 94066
Tel: 650.624.0777 x 54014 | Mobile: 408.206.2945
jmckinney@paychex.com | www.paychex.com

We can put you on our website as 'Customer of the Month'. This way, visitors to our website will also see your advertisement. And if you have any discounts or special deals, we will gladly advertise them for you, thereby increasing your exposure to potential customers.

Do you want to be our 'Customer of the Month' or be included in our 'Client Referral Network'? Call 650-328-1000 or send us an email to abcosales@alliedbrokers.com.

Customer Appreciation Drawing for Giants Tickets

You have supported us all these years and we want to say thanks by offering you a chance to win a pair of front row (Club Level) Giants tickets.

Winner from April 2011 Drawing

Dr. Virginia P. Humphrey
Winner from 150 client respondents

To participate in this month's (May 2011) drawing (for Giants Tickets) send an email with subject "Free Tickets - May 2011 Drawing".

Why You Need Health Insurance?

The only things you can be sure of are "death and taxes"! As recent events in Japan have shown us, you can't even be sure of the ground beneath your feet. This does not mean that you should live your life in uncertainty. What it does do is emphasize the importance of insurance to protect you from the unexpected. And one place where you can expect the unforseen is in the subject of health. Even the healthiest of people can get a negative report on a medical examination, or be hit by a car when carrying home a positive one. In terms of health, just about anything can happen to anyone. And when you consider the rising costs of health care, even a not so serious medical problem can result in expense that can cause financial ruin.

Healthcare insurance is essential for everyone, irrespective of physical condition, age, gender or financial status. Just one visit to the emergency room can cost over $1,000 with tests, x-rays and treatment. Statistically speaking, the importance of health care coverage does not double when a person gets married; it increases geometrically. Consider how much more important is becomes when the family grows and children are added to the equation. If "Murphy's Law" applies anywhere, it is in the case of health. Keep in mind that what is important is not just to have health insurance, but to have health insurance that will protect you from all conceivable situations.

Key Factors That Determine The Cover You Need

Deciding on the quantum and nature of the health insurance coverage you need is a complex issue and one where the advice of a qualified insurance broker is invaluable. But there are some basic issues that you can consider yourself when evaluating the coverage you need.


•	Study your / your family's health history and look at what your major medical expenses have been. This will not protect you from what could happen tomorrow, but it is a starting point in understanding your needs.

•	Determine the type of coverage you need. Do you want only hospitalization and major illness coverage or do you want doctor's visits and prescriptions to be covered? Obviously the more coverage the better, but the cost of coverage will increase.

•	Determine your budget - how much can you afford to pay and how much can you absorb in terms of deductibles?

•	How much flexibility do you want? Would you like to be able to go to any doctor or hospital you want? If you are willing to go to only insurance company approved ones, the policy cost will be lower.

•	What type of work do you and your family members do? Make sure that all health risks covered by your lifestyles and occupations are adequately covered.

There is much more to be considered, but these issues are a good starting point in determining the coverage you need. The best way to protect yourself is to contact Allied Brokers and discuss your health insurance needs with them. Expert advice and guidance can help protect you and your family and also save you from unwanted expense.

About Us

Allied Brokers has been meeting the insurance needs of Bay Area homeowners and businesses for over 50 years. Our clients' depend on us to not just provide them the kind of insurance coverage they need but to guide them in finding the best insurance options. We represent the leading insurance companies of the country and our long years of experience and insurance expertise allow us to find the right insurance solutions for every client and every contingency. Our dedication to client service means that we do not limit ourselves to selling you insurance, we focus on giving you the best and most cost effective coverage so that you can live and work with the security of knowing that you are protected from earthquakes and other natural and manmade disasters. Why not visit our website at www.alliedbrokers.com to have a look at what we can do for you? The 'Contact Us' page provided all the information you need to get in touch with us. Or you could just ask for a free online rate quote. It's often not possible to prevent the worst from happening, but with Allied Brokers, you can always protect yourself from the consequences.