Insurance Services

Whether you are a small business owner, an individual or provide for your family, your health and well-being are of utmost importance.

Insurance Services

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Small Business Health

Frequently Asked Questions

When is a good time to review or update my insurance coverage?

Insurance is never designed to ‘set it and forget it’ as circumstances and needs change over the course of your life. The best rule of thumb is to start discussing insurance needs when you experience a life event such as a new baby or a new medical condition. You should be reviewing your insurance policy with your agent at least once per year.

Do I really need life insurance?

Life insurance is a form of financial protection for your loved ones in the event you pass away. Not only does it give you peace of mind, but it also allows for your family to mourn as long as they need to without having the extra worry of expenses and having to go back to work when they may not be ready.

How much life insurance do I need?

Agents usually recommend at least 10x your annual salary. A good way to determine what you really need would be to calculate how much would it cost to pay off all debt, put each child through college and allow for your spouse to take the time off needed. Life insurance can always be adjusted as life changes happen.

If I don’t pay you anything to help me with insurance, then how do you get paid?

I get paid a commission from the insurance carrier by working directly with you. An agent or broker should never charge an individual a fee for consulting and enrolling them in insurance.

When reviewing the marketplace options, I see a lot of negative reviews and hear really bad things about the coverage. Are there any good plans available?

Reviews are based on a consumers experience and when an everyday consumer is navigating the complicated marketplace, what they think they are purchasing in coverage is usually not the case. This is the biggest reason why I push for people to work with an agent or broker directly so that they can thoroughly understand the plan they are enrolling in to avoid the frustrations of health insurance.

I’m being told that I missed the open enrollment window and that I have to wait until the next open enrollment to apply. Is that true?

Open Enrollment for the marketplace is November 1^st through December 15^th every year, however, a lot of factors come into play that could actually qualify you for a Special Enrollment Period. Even if you don’t qualify for marketplace coverage, there are numerous other options to get coverage so that you aren’t completely left uninsured waiting on open enrollment.

Our Clients

“As the owner agent of a small Independent Insurance Agency it’s important for me to manage my expenses. I was looking for a cost-effective solution to help me manage aspects of my day-to-day operation. Tamara’s virtual assist services have exceeded my expectations, and have been absolutely invaluable to me. She has a very diverse skill-set, is extremely intelligent, well-organized, and incredibly resourceful. She has an entrepreneurial spirit and understands the needs of small business owners. She has also provided me with valuable insight in the insurance industry. I would highly recommend using Tamara to support your business.”

David P.
Insurance Agent at Preslar Financial Group

“Working with Tamara Chhay and Clerical Concepts has been one of the best decisions I’ve made for my growing business! Tamara is so hard-working and trustworthy, and turning over many of our administrative tasks to her has opened up my time to build other parts of my business. She’s a huge asset to any team and such a pleasure to work with. I highly recommend her services.”

Sarah Y.
Principal at Twistleaf LLC

“I recommend Tamara Chhay’s payroll services. She was quick to learn my business system and take over responsibility for ensuring that everything was done correctly. On a personal level, she is prompt, personable and trustworthy. Tamara was willing to make suggestions and implement processes that benefitted my business.”

Jim P.
Owner of Austin Troubleshooter

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Insurance Services