Pathway Insurance Clients

Umbrella Insurance in Cincinnati

Saturday, June 25th, 2011

Do you need an umbrella insurance in Cincinnati? Call 513-662-7000 and speak with one of the experts with our independent insurance agency. Umbrella insurance quotes are available in all 50 states click here.

Do I Really Need Umbrella Insurance in Cincinnati?

If a serious accident or claim occurs and you do not have umbrella protection you may be in serious financial jeopardy due to the fact that all of your personal assets can be taken from you to satisfy court order judgments that are levied against you.

If you believe that filing bankruptcy will help you if a large judgment is assessed against you, you might want to reevaluate that idea.

The court system will first take away all of your liquid assets to satisfy the judgment! So another words, if you had $500,000 in a mutual fund which amounts to your entire life savings, and a $1 million judgment is assessed against you, they will take your $500,000, every single penny! The court could write off the other $500,000, or set up a garnishment order against your future earnings.

Recent Example Where an Umbrella Insurance Policy Would’ve Come in Handy

A local police officer was severely injured by a person who hit the officer by accident and subsequently fled the scene. Later that person turned themselves in. The police officer sued for his injuries and was awarded $1.9 million. If this person did not have an umbrella insurance policy they would need to pay $1.9 million completely out-of-pocket!

Our Agency Can Find You the Best Prices on Umbrella Insurance in Cincinnati

Call 513-662-7000 or send an e-mail to Jack@pathwayinsurance.net

Medicare Supplement Insurance in Cincinnati

Wednesday, June 22nd, 2011

Are you searching for information about Medicare supplement insurance in Cincinnati, or looking for a no cost Medicare advantage plan in Cincinnati? Please call 513-662-7000 with questions or to receive information.

Medicare in Cincinnati

If you are age 65 years or older, or under 65 with certain types of disabilities you may qualify for Medicare insurance. There are three different parts to the traditional Medicare insurance program.

Medicare Part A is Hospital insurance which covers inpatient care in hospitals. Additionally it helps cover skilled nursing facility, hospice, and home health care.

In reference to a skilled nursing facility the first 20 days the Medicare patient pays nothing. The following 80 days your deductible is $141.50 per day, Medicare pays the balance. Admission to a skilled nursing facility must occur within 30 days of a hospital confinement of three or more days; it needs to be an extension of the hospital treatment; it must be for daily skilled nursing and or therapy services which can only be provided on an inpatient basis. You should be aware that there are more terms and conditions and restrictions than what are indicated in this article.

Medicare part Badditionally helps to cover doctor services, hospital outpatient care, and home healthcare. Furthermore it covers many preventative services.

Medicare part D is prescription drug coverage and it helps to cover the cost of prescription drugs or lower the cost of prescription medication.

Medicare Supplement Insurance in Cincinnati

A Medicare supplement insurance policy is one that is designed to supplement original Medicare. It is underwritten by a private insurance company and it is meant to pay some of the gaps that traditional Medicare will not. Medicare supplement insurance is sometimes referred to as Medigap plans. There are 10 different Medigap plans in Ohio. We can help you choose the best Medigap plans in Ohio based on your individual circumstances. Call 513-662-7000 to speak with a representative.

Medicare Advantage Plans in Cincinnati Versus Traditional Medicare and Medicare Supplement Plans. Which Is Best?

A Medicare advantage plan in Cincinnati is an option to traditional Medicare, and it may be somewhat similar to traditional health insurance plans that you may be accustomed to. A Medicare advantage plan may offer doctor co-pays and prescription benefits. Medicare Advantage Plans in Ohio differ from company to company and there is no universal standard of coverage as is true for Medigap plans in Ohio.

Which Ohio Medicare Plan Is Best for Your Circumstances?

Call 513-662-7000 and speak with one of our professional agents that can provide vital information to assist you in your Medicare decisions.

Burial Insurance in Cincinnati

Monday, March 7th, 2011

Are you looking for burial insurance in Cincinnati?  Contact a Cincinnati life insurance expert.  Our office number is 513-662-7000 and we offer burial insurance in Ohio, burial life insurance in Kentucky, burial life insurance in Indiana.  If you do not live in Ohio, Kentucky, or Indiana and you want to get quotes on burial life insurance click here to receive an online burial insurance quote from agents in your area.

What is Burial Insurance?

Burial insurance is simply life insurance all wrapped in a pretty little bow.  Funeral homes in Cincinnati that sell burial insurance are simply selling a life insurance policy underwritten by an authorized Cincinnati life insurance company.

Do I Need Burial Insurance in Cincinnati?

It depends on your financial circumstances.  If you wish to provide funds to your family to cover final expenses a burial insurance policy may be appropriate.  If you have significant financial assets that would be readily available for your heirs you probably don’t need burial life Insurance.

Burial Insurance in Ohio Can Be Expensive If You Buy It from the Wrong Company.

The price on burial insurance in Ohio can vary significantly from company to company.  For a $10,000 life insurance policy in Cincinnati one company might charge $60 per month while another company would only charge you $21 per month for the same coverage. So it pays to shop around and we offer burial life insurance in Cincinnati from a variety of top rated companies.

Would you like a Quote on Burial Insurance in Ohio?

Contact our independent insurance agency located in Cincinnati by calling 513-662-7000 or if you prefer to contact a Cincinnati life insurance expert by e-mail please correspond directly with Jack@pathwayinsurance.net

What valuable information is included in The Pathway Protection Letter™?

Wednesday, March 2nd, 2011

Are you looking around for car, home or business insurance in Cincinnati?  Call our Cincinnati insurance agency located in Blue Ash Ohio.  Please call 513-662-7000 or click here to receive insurance quotes in all 50 states.

The Pathway Protection Letter™ contains specific coverage scenarios that describe situations that Cincinnati insurance policyholders may find themselves in that could result in a claim denial.  Learn why that can protect you from claim denials in our previous article.

When you decide to become a client of Pathway Insurance our client protection letter benefits you in three different ways:

1.  Our easy to understand newsletter explains the exact reason why a Cincinnati

      insurance company may deny a certain claim based on common scenarios

      policyholders may find themselves in.

2.  It shows you exactly where to find that information in your Cincinnati insurance policy.

3.  Finally it gives you advice on how to avoid the claim denial in the first place.

Because insurance policies are often misunderstood, misinterpreted, misapplied and then a claim might potentially be denied. ™ It’s absolutely imperative that policyholders understand their insurance plans more completely.  

The Pathway Protection Letter™ contains information from a new book that will be released later this year by the owner of Pathway Insurance.  As an expert within the insurance industry, Jack Thomas has detailed information, expertise, and knowledge never before disclosed to the general public.

Jack has worked in the trenches for more than 20 years.  As a true insider, Jack makes known pertinent information and facts that some insurance companies may not want you to know about.  This ground breaking information contained within The Pathway Protection Letter™ along with his revolutionary new book will forever change the way you buy insurance.

Not having an accurate understanding about insurance is like walking through a minefield without protective gear. Doesn’t it make more sense to allow an agency to care for your insurance needs that provides this type of service?

Contact Pathway Insurance today.

Click here to use our online quote system for the best rates in all 50 states.   Or call 513-662-7000.

Or you may contact Jack personally: Jack@pathwayinsurance.net

Insurance policies offered by Pathway Insurance:

Auto insurance in Cincinnati
Homeowners insurance in Cincinnati
Condo insurance in Cincinnati
Business insurance in Cincinnati
Life insurance in Cincinnati
Contractors insurance in Cincinnati

Who Pays for Television Advertisements of Car Insurance in Cincinnati?

Tuesday, November 23rd, 2010

Did you know that Insurance companies advertising the least on television might be cheaper than insurance companies who advertise the most? (If you’re looking for the best auto insurance rates in Cincinnati call 513-662-7000, or click here.)

In a completely unscientific one quote comparison we obtained insurance quotes in Cincinnati from some of the insurance companies who advertise the most on television compared to companies who advertise the least on television to see if there is a price difference.

This car insurance comparison was completed last year and was based on a married couple living in the suburbs of Cincinnati Ohio, owning a home with no tickets or accidents in a 5 year period.

Prices of Insurance companies who advertise the most:

Nationwide Insurance in Cincinnati – $127.45 per month
Farmers Insurance in Cincinnati  - $117.84 per month
GEICO Insurance in Cincinnati  - $113.75 per month
Progressive Insurance in Cincinnati - $109.19 per month
State Farm Insurance in Cincinnati  – $107.22 per month
Allstate Insurance in Cincinnati - $100.50 per month

Prices of Insurance companies who advertise the least:

Grange Mutual Insurance in Cincinnati  - $99.80 per month
Encompass Insurance in Cincinnati  – $81.83 per month
American Commerce Insurance in Cincinnati - $73.00

Progressive, Allstate, Geico, State Farm, Nationwide and Farmers Insurance spend billions of dollars each year in television advertising just to get you to pick up the phone to call them for an insurance quote.

Grange Mutual, Encompass, and American Commerce Insurance do not spend any money on television advertising, but notice the rate difference.  Naturally the same results may not be achieved with every insurance quote, but is it possible that companies spending little to no money on advertising might be able to offer lower insurance rates in Cincinnati compared to insurance companies that spend billions each year on advertising?

It’s possible.

Where can you find insurance quotes in Cincinnati from companies who do not spend money on advertising?

Contact our independent insurance agency in Cincinnati.  Independent insurance agents in Cincinnati represent many companies that do not spend invest money on advertising and they can therefore pass on the savings to their customers.

How to Contact Pathway Insurance

513-662-7000

Jack@pathwayinsurance.net

Click here for online insurance quotes in Cincinnati

Vehicles quoted were a 2008 Acura TL, and a 2004 Honda Pilot EXL. Coverage limits were 250/500/100 with matching uninsured and underinsured limits. $100 deductible for comprehensive and $500 deductible for collision. Loan/Lease gap coverage and finally road side assistance plus car rental is included. (Neither State Farm, Allstate or Nationwide offered lease/ loan gap coverage in their quotes. Allstate quote included only $20 per day for car rental.)
Copyright 2010 Jack F Thomas & Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Jack F Thomas or Pathway Insurance Services, Inc. is unlawful.