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

Expert Profile: John (J.R.) McCollough

Expertise:  I can answer questions pertaining to Health and Medicare insurance for individual and/or family coverage, students, retired/separated military members, small businesses under 20 employees and seniors in the United States. Additionally, I can assist people in understanding their options if they've been turned down for insurance and do not know about what state and federal programs are available.

Experience in the area
I am the owner of a national agency that only attracts agents of the highest caliber to consult in Health, Life and Medicare insurance products. We emphasize a client-centered approach to the way we conduct business and can provide objective input to help you make an informed decision.

Organizations
I belong to a variety of professional, consumer and military organizations. Please feel free to contact me if you're interested in a particular organization.

Education/Credentials
Bachelor of Science in Psychology.

Past/Present Clients
I don't divulge information about my clients on the internet due to respect for protecting information. Anybody is more than welcome to contact me if they wish to receive a list of past and current clients in their respective area whom have authorized my agents and/or I to release information.

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What do you like about this subject?  The opportunity to help protect people from financial hardship combined with the ability to ensure that my clients receive the best care possible from the highest rated carriers.
Something interesting about this subject that others may not know:  The history of insurance can be traced back all the way to the Roman period. At the time, membership into burial clubs provided burial expenses for deceased members, as well as annuity payments to the beneficiaries.
What do you still hope to achieve/learn in this field?  My long term goal is to revolutionize the health care and health insurance industry by helping to alleviate some of the frustration felt by consumers and insurance agents about the lack of price transparency in the United States. What worked in the 1960's-1990's is no longer feasible and things need to change.
Average Ratings
Prestige Points: 730
Knowledge   9.91   Best of the best
Clarity of Response   9.83   Best of the best
Timeliness   10.0   Best of the best
Politeness   10.0   Best of the best
Number Of Questions
(in Past 24 Hours)
0
Max Questions to be Asked
(in 24 Hour period)
3
Total Questions
(since joining AllExperts)
48
Recent Reviews from Users
KnowlClarityTimePolitenessDate
1010101008/28/08
1010101008/20/08
1010101007/16/08
10101007/17/08
1010101007/31/08
User Comments
Many thanks, Steve
(Steve on 08/20/08)
Yes, John, I am covered under my husband's current policy. Both my husband and I have "assumed" that if he looked for a new job, that company wouldn't
(Brenda on 07/16/08)
Very thorough, fast, and helpful response. Thank You!
(Ricky on 07/31/08)
View All Comments
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Recent Answers from John (J.R.) McCollough
2008-08-27  Lifetime Benefits Hi Paul, There is a big difference between a $2M and a $5M policy. Some people find it more comfortable having a higher lifetime cap on their policy to help offset rising medical costs and the potential...
2008-08-25  LIFE INSURANCE WITH NO BENEFITIARY Hi Gabriela, Who did the agent put down as a beneficiary and did your brother have a will in place? It sounds like your mother is the executor of the estate. You need to find out that information...
2008-08-17  Health insurance for retiree living abroard Hi Steve, Unfortunately, given the age of your friend, she will have a hard time finding a carrier who will cover her at a lower rate. All of the carriers I work with do not provide benefits to people...
2008-07-15  A new job and the company's health insurance Hi Brenda, I do not know if your baby will be covered under the group policy since I have not read the policy in detail. Your husband should contact the HR department of his company and/or the insurance...
2008-07-15  Health Insurance Hi Ricky, Overall, the plan looks good. I give it a B- for benefits and an A- for pricing. The deductible is really low, which some people think is a good thing. The coinsurance level and out of...
More Answers for "Life & Health Insurance"


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