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I've been in the business since 1975, I ran my own agency in New Jersey from 1980 to 1998. I now am a semi-retired sole practitioner in South Florida.


CLU Courses, no designation. LUTC, more seminars then I could count.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Cari smith02/01/16101010Thanks but should I just answer no .....
sallie12/07/15101010Thank you so much for the information .....
Robert10/10/15101010Professional, knowledgeable answer.
VnE09/09/14101010Thanks for your time and explanation.

Recent Answers from David Clark

2015-12-07 Can't Afford Silver Plan On

As stated in my first answer they will have 80% of the billed fees in a relatively short time.  It's not that they don't care, but they are all businesses, and they live in the real world.  So I would

2015-12-04 Can't Afford Silver Plan On

Ya, well if you knew you would need the coverage, and benefits so long as the added premium offset the max Out of Pocket costs of your Silver.    In the real world you know what your budget allows, It

2015-10-08 Health Insurance:

For one under Obamacare your health is of no interest.  Obamacare is what Insurance companies/agents "guaranteed" issue.      The COBRA is $500, month, quarter,year? the prior premium would, while seemingly

2015-08-26 life insurance:

Sadly, very little.  As a minor you could have been a beneficiary, but I'd bet your Gmom was the owner.  As such she had total control of administering the policy.  She could have changed beneficiary designations

2014-09-03 Question about WA state medicaid?:

I'm only going to give you some non-specific information.  Up until Obama insurance was regulated by the states, however the Feds change the rules daily.  As for medicaid, as you no doubt have discovered


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