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Archive for the ‘Uncategorized’ Category

Taking Control of the Healthcare Experience

Posted in Uncategorized, tagged , , , , , , , , on February 9, 2010| Leave a Comment »

 I’m often surprised by the number of wealthy families I meet who buy only “best in class” services and products, yet accept far less than this standard from the organizations that are responsible to manage their family’s healthcare experience.  While it often seems that we have little real control over the quality of our family’s healthcare experience, several new organizations are helping their members to receive far greater control than most would have imagined possible. 

PinnacleCare is one of a new breed of “private patient advocacy” service providers that empower their members to take back control of the entire healthcare experience.  PinnacleCare members receive efficient access to the finest healthcare experiences, expert guidance through the complex healthcare system and the assurance of leading the healthiest lives possible, whether at home or while traveling or living abroad. 

I’ve had the opportunity to meet with representatives of this fine organization, and urge all professional advisors serving HNW families to learn how this firm can help you and your clients.  Click this linkto access a video about PinnacleCare’s services, or this link to be directed to the section on their website that details the many membership options available.  

As always, feel welcome to contact me for a personal introduction to this firm, or a short list of other organizations with similar services, and a great article from the Wall Street Journal summarizing this topic.  

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Let the Buyer BeAware

Posted in Uncategorized, tagged , , , , , on November 30, 2009| Leave a Comment »

It’s no coincidence — insurance carriers who have always invested heavily on advertising to attract new insurance buyers are spending even more to do so this year, and are attracting more buyers with what can best be described as a very compelling “save money now” message.  

Because the many differences between insurance policies are so difficult to evaluate, many consumers are too often enticed to prioritize lower premiums over the harder to discern quality of protection that is provided.  Informed consumers should seek assistance to closely examine HOW cost reductions are being achieved.  A reminder: although buying insurance coverage is not a lot different than other purchases, the axiom “you get what you pay for” usually only becomes apparent after a loss.  While the “save money now” pitch has short term appeal, the real question is at what cost down the road? 

My suggestion: rather than moving coverage to carriers whose central theme is “save money now”,  first explore the many opportunities to make high quality insurance coverage more cost efficient.  Professional risk advisors have a variety of strategies to help their clients structure quality insurance coverage that is also cost efficient.  One of the most overlooked strategies we offer our clients is described in this link to a one page summary . 

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A Risk Most Accept, Far Too Easily

Posted in Uncategorized, tagged , , , , , , , , on September 30, 2009| Leave a Comment »

This summer several newspapers reported the results of studies documenting what we all know to be true: the use of cell phones while driving is dangerous.  Of course, there are many variables that increase or decrease risk, but the common perception that hands-free use of cell phones while driving is safe has been proven to be a myth.

I don’t offer this information with any great expectation that others will substantially change their use of cell phones while driving. BUT – after reading the research, I know I have been compelled to re-think my perception that my blue tooth enabled cell phone conversations while driving were a lot less risky.  They are risky, and research has proven that yours are as well.  I encourage you to  read the research provided in this great article and share it with those you care about. 

I knew someone who was involved in a very bad auto accident. He shared that the worst part of his long recuperation was knowing that he could have exercised greater precaution and avoided the accident altogether. He shared that while he was laying in the hospital, thankful to be alive, he remmbered the common practice in his youth of being able to “call for a do-over”, and how much he’d give to have a “do-over” .  Knowing real life does not provide us “do-overs”, I’ve instead decided to dramatically change how I use my cell phone while driving.

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For almost every risk….

Posted in Uncategorized, tagged , , , , , , , on April 30, 2009| Leave a Comment »

missing-piece1…there is an insurance solution, if you know where to look (and who to ask). Meanwhile, I’m often surprised to meet prospective clients who have been told by other insurance brokers “there’s no coverage available”.  In the vast insurance marketplace, that is rarely the case!

With a great deal of turmoil in the financial marketplace, we’ve been asked to secure insurance coverage for a wide range of risks labeled “uninsurable” by other brokers. While the choices may be few, we can likely secure or direct you on how to secure insurance protection for even the most unusual risks.

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