Health Insurance Add Ons to Consider

Finding the right health insurance coverage is a very personal decision only you can make. You know best what kind of coverage you would like and can afford. If you live in the greater Tulsa, OK area and want to know what kind of health insurance add ons are available to you, the American Founders Insurance Group Inc. is here to help. 

Discount Prescription Drug Card

This is a helpful addition to have with your insurance, especially if you have a number of prescriptions (or if someone in your family suffers from medical issues or allergies and requires prescriptions on a regular basis). The discount prescription drug card will help you save even more money over what a standard health insurance program offers. 

Alternative Medicine Coverage

There are a number of additional forms of medical treatment you can receive that does not directly come from a doctor. This can include everything from a physical therapist to a massage therapist. You may also want to consider health coverage that helps pay for a therapist or psychologist as well. Standard health insurance may not provide coverage for these kinds of services, but the improvement to your physical wellbeing and your mental state can greatly increase your quality of life and how you live. 

No matter what your current health is like or what kind of health insurance coverage you’re looking for, when you live in Tulsa, OK the American Founders Insurance Group Inc. can help connect you both with the right insurance and the right add ons. So if you’re curious what all is available and whether you can find better coverage or a better price with a different insurance provider, now is the time to reach out and contact the team at American Founders Insurance Group Inc. 

How Life Insurance Protects Your Family

Starting a family brings many joys but it can also bring concerns.  Questions such as “how will the children be protected if something happens to one or both of the parents” arise.  This is where life insurance comes in.  It plays a financial role in the future of your family whatever life may bring.  A good policy can ensure that your children’s educational future is protected.  It can also be used to pay off a mortgage, cover funeral expenses and take care of any remaining debts.  There is a myriad of ways that life insurance policies protect your family.  The team at American Founders Insurance Group Inc. work with families in the Tulsa, OK area.  They are ready to talk with you and address any concerns. 

There are two main types of life insurance policies:  term life and whole life.  When considering the coverage your family needs, remember to factor in inflation and the estate taxes that will be due.  This may impact your choices.  Both policy types have their benefits for specific life situations.  Term life policies are active for a predefined amount of time.  If desired, they can be renewed.  Initially, the premiums will be lower than whole life insurance.  However, the premium will increase each time that it is renewed.  Also, they do not increase in cash value.

On the other hand, whole life insurance remains in place throughout the policy holder’s lifetime.  Even with a higher premium, the policy will build cash value.  This can be borrowed against when needed.

In the Tulsa, OK area, the team at American Founders Insurance Group Inc. are ready to answers your questions.  They can help you decide which policy type is right for you and your family. Call and visit them to get started on the journey to protecting your family. 

Assaulted by the Golden Girls!!!

Welcome to happy healthy and fun Friday!! The week is winding down and hopefully, you have a great weekend planned. I learned a long time ago that we’re not just in the insurance business, but we’re in the people business. Every Friday I want to share a little health and well-being and fitness tidbit with you.

What happened to me last night was truly the stuff of nightmares! After a long day in meetings here in Los Angeles I come back to my hotel room I thought I would unwind by watching a little TV before I went to sleep. So as I sit watching reruns of Frasier the best sitcom of all time I must have fallen asleep. The next thing I know it’s 5:30 AM and my alarm clock is buzzing. I go to jump in the shower and a song starts playing in my head “Thank you for being a friend, Travel down the road and back again, your heart is true you’re a pal and a confidant. And if you threw a party and invited everyone you knew you, would see the biggest gift would be for me and the card attached would say thank you for being a friend.”

Now, friends, I can tell you unequivocally that I did not know the theme song to Golden girls when I went to bed. I run back to the television to check the TV Guide and I rolled back to the middle of the night and apparently between 2 and 4:00 o’clock I had subliminally consumed not 1 but 4 episodes of The Golden Girls! As if that wasn’t troubling enough, The insidious Golden Girls have now subliminally and implanted an earwig into my mind that will plague me the rest of my days.

This got me to thinking. What other noises or distractions are entering Into our minds that we don’t even realize daily, between our cell phones, television, email, text messages, tweets, Facebook notifications, Instagram notifications, etc …. it’s no wonder that people feel like they have attention deficit disorder 100% of the time. In fact, recent studies have shown that human interaction and the ability to connect interpersonally has diminished to an all-time low.

if you don’t think that’s true next time you go to a restaurant put down your cell phone and look around. look around at all the people we’re spending more time looking at their cell phones than their family and the people they are spending time with.

Maybe it’s time to take stock of all the distractions in your life. what’s taking your attention from what matters most? I have a challenge for you this weekend give yourself permission to put the cell phone away. And spend time with the people that matter to you most. I want you to consider that if you don’t do this The Golden Girls win!!

Keep in mind that I’m here to help you protect what matters most. To you that are already customers I want to say a big thank you, I appreciate you more than you know. to those of you that might be finding us for the first time please like our facebook page.

I wish you a safe and happy weekend! And thank you for being a friend.

3 Tips for Buying Commercial Insurance in Tulsa, OK

Your business is a valuable asset and you need to protect it with the right commercial insurance policy in Tulsa, OK. At American Founders Insurance Group Inc. we have put together some tips to help you do just that. So, if you’re looking to purchase a new commercial insurance policy or revisit and existing one, here are three tips to help you find the right policy and save money while doing it.

1. Compare Several Quotes

Each business is unique and comes with its own set of needs. For this reason, you’ll want to compare several insurance quotes to find the one that closely matches your business protection requirements. Go over each policy in fine detail with an insurance agent to find the right policy and to get the most out of your money.

2. Bundle Your Insurance Policies

Insurance carriers like to reward loyal customers. They do this by offering premium discounts when you bundle all of your insurance policies with them. Consider bundling your auto insurance, life insurance, homeowners insurance and any other policies you have under one carrier to get the maximum discounts. An insurance agent can help you find the carrier that offers the most discounts coupled with the best policies.

3. Work with a Reputable Insurance Agent

Don’t leave the protection of your business to chance. Be sure to work with a trusted, reputable agent serving the Tulsa, OK area to find the right commercial insurance policy for your unique business needs.

To learn more about purchasing a commercial insurance policy, contact the team at American Founders Insurance Group Inc. today.