How often do you require a review of your insurance needs? The answer will depend on your personal circumstances and financial health. Here are some guidelines to help you decide when it's time to turn to a professional, trusted OMA Insurance Advisor for a complimentary insurance check-up.
Comprehensive advice, service and solutions tailored to your circumstances: this is what a check-up with a trusted insurance advisor should provide. An OMA Insurance Advisor's role is to work with you to examine your situation and help develop a plan of action, identifying appropriate solutions and services for your needs, wants, and goals. Your insurance advisor can update you on any changes in best practices, and identify any gaps, shortfalls, or even surpluses in your insurance coverage.
An open and honest discussion can help elucidate your goals, both financial and non-financial. Quantifying and prioritizing goals are among the valuable services that an insurance advisor can provide, and will help to ensure that you focus on reasonable, achievable objectives within realistic timeframes. It is equally important to know your hopes, fears, values, preferences, attitudes, and comfort level with different approaches to achieving your goals.
The more information you share about your current financial situation (e.g., insurance policies, investments, debts, and income sources), the better prepared your advisor will be to provide appropriate advice, service and solutions. OMA Insurance Advisors use an insurance review questionnaire to help determine your current financial circumstances.
The third step aims to:
a. Determine where you are now in relation to the goals that were established in Step 1.
b. Identify various insurance needs, such as:
c. Determine the amount of coverage and plan structure to best meet your complete insurance needs. The advisor will work with you to balance your budget with both your current and future requirements based on your present situation, your goals and preferences.
Your OMA Insurance Advisor will provide a summary that recaps the results of the needs analysis and recommendations in plain language, tailored to you. The advice presented at this stage will reflect an analysis of your existing circumstances, your budget, and your desired future situation. There are always options to help you manage the cost of various insurance solutions, and your advisor will work with you to determine the choices that make the most sense for you.
Turning your dreams into reality requires both a plan and action. Part of the advisor's commitment to you, therefore, is to see that implementation is carried out according to the agreed-upon plan. Your advisor will help you prepare and complete the paperwork, explain the underwriting processes, and provide a realistic timeframe to put the coverage into place.
Start turning your dreams and goals into reality: take action now! Call 1.800.758.1641, or email firstname.lastname@example.org to schedule a complimentary insurance check-up with a trusted, non-commissioned OMA Insurance Advisor, and take advantage of the exclusive value added programs tailored for physicians.