AboutR. Gene Ramsay Expertise I can answer questions from people regarding health, life, and supplemental insurance. I can also answer certain annuity questions,
long-term care, medicare, vision, dental, group products, individual
products, and certain carriers. Another area would be general discussion on an individual basis to determine need and help individuals make the right decisions for them. I can also field questions from other insurance
providers about carriers I represent so we can do some business together and I am also willing to offer my thoughts on certain issues they may be having
with clients/customers, etc.
Experience
Past/Present clients I would prefer not to divulge current clients without their consent to do so.
I am new to the word insurance Because i am going to US and there with out Health Insurance most of the hopitals or clinics will not treath unless you dont have your health Insurance, so please let me know from the basic of this thing.
what should be insured,
how much i have to pay each month and all those things which a person like should now about Insurance.
Regards,
Mansoor
ANSWER: Mansoor,
I will need more info to help you.
1 - Where are you from?
2 - What state will you be living in?
3 - Will you be working with a company that offers benefits? If not, what line of work will you be pursuing?
4 - Do you have any health conditions for which you are treated regularly?
With this info, I may be able to help you further.
---------- FOLLOW-UP ----------
QUESTION: Dear Sir
thank you for your reply.
1 - Where are you from?
I am basically from Afghanistan
2 - What state will you be living in?
I will be in San Jose CA
3 - Will you be working with a company that offers benefits? If not, what line of work will you be pursuing?
as i will be new to that state i dont know what kind of jobs will be avaliable for me at age 19.
4 - Do you have any health conditions for which you are treated regularly?
No i am healthy and has nothing worng with my health. I am fit.
Regards,
Mansoor
Answer Mansoor,
Thanks for those responses and I hope you have safe travels. That is a big move for someone so young, but it sounds like you are getting ready quite well if you thinking about things like insurance.
California, as you know, may always be a little different than the other states in many things they do. Your best information will come directly from their source at:
There are contact emails and phone numbers for you to call and they will have access to actual agents and brokers for that state who can steer you directly to where you need to go to talk product selection (there are many) and cost (it will differ quite a bit).
My first general suggestion would be to find employment with an actual company and when you go to interview or ask for a job let them know you are interested in insurance and ask them what kind they would offer. The key with that is you will have access to it through your job and it can usually be a little easier on you and possibly a little less expensive that way...especially if that company is large enough (more than 10-15 people). That may be easier said than done, but it's something to look for in your search. My number two piece of advice to you, if you are coming to California...or any state...is to never be afraid to ask. Ask for work, information, help, etc. but watch out for things that look "too good to be true". There will always be people in this world that only look out for themselves and will use people to get what they want or just to be mean. Predjudice is alive and well in any country (as you may know) and you may be judged immediately upon arrival (especially from where you are coming from). It will take time and energy on your part to get over that hurdle but as you do so, be careful who you trust and always approach things with integrity and honesty. I have found that can help keep you out of the the deepest troubles.
