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About George J. Zacherl
(Top Expert on this page)

Expertise
I am the Managing Partner of Colao & Zacherl Insurance Group. We specialize in Health, Life, Disability, and Supplemental Insurance policies for both groups and individuals. We are an independent agency representing several different carriers so that we can offer the widest variety of options for our clients.

Experience
Licensed Agent in Pennsylvania and Ohio

Organizations
BNI - Western Pennsylvania

Education/Credentials
BS - Penn State University

   

You are here:  Experts > Money > Personal Insurance > Life & Health Insurance

Questions Answered By Expert  George J. Zacherl 
In Category  Life & Health Insurance

SubjectDate Asked

Health Insurance10/8/2008
  Q: My company has started to offer group health insurance. Right now, the premium is 100% paid by the ...
  A: Your employer is being consistent with the law as long as they treat everyone the same which it ...
AIG9/23/2008
  Q: I have been receiving permanent disability payments for six years and I am scheduled to receive ...
  A: I have been talking to different people in the financial profession and they are telling me that AIG ...
Someone has a Life Insurance Policy on Me9/15/2008
  Q: It has come to my attention that the father of my 4 year old daughter has taken out a Life Insurance ...
  A: For any insurance policy to be issued there has to be what we call "Insurable Interest". Insurable ...
Full time rv'er health insurance8/16/2008
  Q: Because our mailing address is recognized as a full timer rv'er I'm having problems with BC/BS. Can ...
  A: Sorry to say I can not answer your question for a couple of reasons. First, not knowing which state ...
Universal vs. term7/27/2008
  Q: ........ My wife and I have a Universal Life policy through Aviva going on about 15 years now. My ...
  A: I would recommend taking a look at your life insurance policies for a couple of different reasons. ...
insurance7/13/2008
  Q: i have always had life insurance, but have been unclear as to how they work. If for instance i ...
  A: Now there are different types of life insurance policies. But if you have paid your premiums and ...
Insurance Change due to company buyout...while pregnant6/18/2008
  Q: I have medical insurance through my husband's company, which is in the process of being bought out. ...
  A: First of all congrats on the new arrival and my best wishes for a healthy delivery for both of you. ...
Health Ins6/4/2008
  Q: I used to have group health insurance through my job. I have quit my job and my health insurance ...
  A: Sorry to hear about your problems getting insurance. Pre-existing conditions can be a problem for ...
Very high deductible health insurance5/29/2008
  Q: I am healthy and quite well-to-do and am miffed as to why I'm unable to find health insurance with a ...
  A: I have not seen any policies with the deductibles that you are looking for. But in all honesty I do ...
Help with 2 questions5/11/2008
  Q: I am a 32 year old male with good health. I have a wife 36 and 3 young children. I am looking to ...
  A: First of all, congratulations on protecting your family with life insurance. You would be amazed at ...
Individual health insurance vs. health care card3/29/2008
  Q: After reading questions posed by others, I am confident you can provide some advice to me on this ...
  A: Sorry to hear about the problems you are having trying to find coverage. As you have found out it ...
Life insurance payouts taxable2/10/2008
  Q: My mother died last July. She had 3 life insurance policies all small amounts all with the same ...
  A: I am sorry to hear about the passing of your mother. I know how it can be a very stressful time and ...
CONFUSED1/26/2008
  Q: I am a 26 year old single mother of a 6 year old. I am wanting to take out a life insurance on ...
  A: This is the advice I give to my clients that are in your situation and the same thing I did ...
life insurance1/22/2008
  Q: My daughter's father passed away on November 2007. I always knew he had life insurance which was ...
  A: First let me make sure that I understand your question correctly. After you and your husband split ...
private disability insurance1/16/2008
  Q: I am a teacher who is eligible for early retirement at 55 with full health benefits for life. I am ...
  A: It is always a pleasure to help out teachers because my wife teaches. Some of my answers will be ...
COBRA Insurance12/31/2007
  Q: Need your inputs. I changed my job and on to new Health Insurance from my new company from Dec 01 ...
  A: The insurance companies have the right to look back and see if the their was any kind of ...
COBRA Insurance12/28/2007
  Q: Need your inputs. I changed my job and on to new Health Insurance from my new company from Dec 01 ...
  A: First of all congratulations on the new addition to your family. This is a common question about ...
supplemental insurance and pregnancy12/19/2007
  Q: My husband and I have decided to start a family. He works contractually and I am working from home. ...
  A: Congratulations on starting your family. It is a wonderful and exciting time. There are a couple ...
How do I go about this?11/18/2007
  Q: Zacherl My question is reguarding Health insurance. In 2005 I went to germany to have a multilevel ...
  A: Since I also live in Western Pa, I am very familiar with the Highmark plans. The insurance you may ...
Smoker then non-smoker now smoker again.11/13/2007
  Q: When I took out my insurance policies I was a smoker no problem. I quite for 1 year and I had my ...
  A: That would depend on the individual insurance company. I would look back over the paperwork you ...
Individual Coverage Options11/2/2007
  Q: I'm a 30 yr old female cancer survivor of Hodgkin's Lymphoma that has been in official remission for ...
  A: Generally speaking you will not qualify for any individual coverage until the cancer has been in ...
life insurance10/30/2007
  Q: My mother told me that my sister had taken out a life insurance policy on her. She had others as ...
  A: The insurance companies do have databases that they can use. With all the privacy laws that now ...
To those who cant afford Medical Insurance10/18/2007
  Q: My name is Valerie Deland and I specialize in a very affordable Medical plan that Im sure everyone ...
  A: It is great that you are trying to help people but I am sorry to say I will not market or recommend ...
value transfer10/4/2007
  Q: 2 people own a business together and have life insurance policies where the other is the ...
  A: Sorry to say I can only answer part of your question. As far as changing the beneficiary on the ...
Life Ins8/30/2007
  Q: It has recently become my task to take care of my fathers affairs. He has not kept good records ...
  A: I am sorry to say that most group life insurance policies end when a person either quits or retires ...
health insurance8/27/2007
  Q: I am 25 years old, with decent health insurance - my father is ill and has been unable to work. Is ...
  A: In order to add him to your policy, he would have to legally become your dependent. Which would ...
Researching opportunities8/21/2007
  Q: George, I am an insurance agent, currently on a sabbatical to raise children. I am interested in ...
  A: First of all, congrats on getting started on your insurance business. It can be a fun and stressful ...
Health Insurance8/13/2007
  Q: I am 61 and have been continuously insured for over 10 years. In good health; don't smoke. Retired ...
  A: The rate of $230 a month is a great rate for your age. But double check to make sure that it is ...
companies for self8/11/2007
  Q: .i am looking for my girlfriend, who is not employed at the moment, age 51, individual health ...
  A: I can not recommend one company for you because I don't know which state you live in. But I can ...
Life insurance7/27/2007
  Q: I had a son when I was 18, the father and I never got married but he was still active in our son’s ...
  A: I am sorry to hear about your son's father. I am not sure why his life insurance policy did not ...
CSV payout7/26/2007
  Q: Is cash surrender value included with the death benefit when the insured dies? Are loans against ...
  A: Let me answer the second part first. Any loans will be deducted from the death benefit. As for the ...
life insurance7/20/2007
  Q: I have a 19 year old daughter who was diagnosed with von Hippel-Lindau disease at the age of 16. It ...
  A: There may be some life insurance policies depending on which state you live in and how much you are ...

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