Here at the NY Twin Bridges Insurance Agency, we have a long history of helping customers from Albany, New York in all age groups with their insurance needs. An independent agent at our agency can provide advice that might just save you some money, especially if you are recently retired and then have a change in employment status. When a person retires from work, they often call their health care provider and report their new status which may lead to changes in their policy.

As a retiree, perhaps you were looking forward to paying lower premiums on your polices as you head towards your golden years. It’s not unheard of though for someone who recently retired to become bored and decide to become reemployed. If you are reentering the workforce as an employee of the federal government, it’s possible there may be options available to you for free or otherwise discounted insurance.

It is true that the United States federal government often provides health insurance for some of its employees but these programs often involve deducting money from the employee’s paycheck. It is possible that a plan through the NY Twin Bridges Insurance Agency may be more cost effective than the government’s health care options.

There are a number of health plans that are built specifically for government workers. If you are part of the Albany, Saratoga Springs or Schenectady region, you owe it to yourself to stop in to the NY Twin Bridges Insurance Agency today to find out how we can help you on your path back into the workforce.

The Albany, Saratoga Springs and Schenectady areas of New York have been served by the NY Twin Bridges Insurance Agency for years. Our agency is used to helping people from all walks of life, including those who are the owner of their own commercial business or are a partner or corporate officer within their company.

Each independent agent at our offices is professional trained on unique situations just like yours. You probably took out a worker’s compensation policy for your business because it made sense to you to have your workers covered in case something should happen while on the job.

You may be wondering though what would happen if you yourself decided that you wanted to be covered under your business’s policy. Would your monthly premium go up? Would it be affected by the amount of money that you personally bring home or would it be affected by your entire payroll?

At NY Twin Bridges Insurance Agency, we have the answers to your questions. We can’t give you all of the specific answers in this blog, as each business owner’s situation will be unique.

But if you are located in Albany or the surrounding area, you owe it to yourself and to your employees to give us a call to discuss your worker’s compensation concerns today. Chances are, we may be able to give you an overview of your entire policy and possibly save you some money, in addition to answering your specific questions about your own coverage options. To get started call us today.

Depending on the type of life insurance policy you choose, you may be able to purchase a policy for your small business in Albany, New York, without needing to qualify by undergoing a medical exam. NY Twin Bridges Insurance Agency can help you find a policy if you are in Albany, Schenectady or Saratoga Springs.

As an independent agency, we can help you research life insurance policies that may not require medical exams or medical information. That may be the case with a guaranteed issue life insurance policy, although those policies are typically the most expensive.

Other types of policies, such as a simplified issue life policy, may require some medical information but not an exam. Simplified issue life policies are typically less costly than guaranteed issue life insurance policies yet more expensive than those that require a medical exam to qualify. You may run into exceptions if the amount of life insurance you wish to purchase is very high, in which case an exam may be required for policies that normally would not need one.

Even if you do have to undergo a medical exam to qualify for your small business life insurance policy, the exam is typically brief and only covers basic information. A life insurance medical exam usually takes about 20 minutes, and the paramedic administering the exam can often come to your home or office so you don’t have to go to them. The paramedic may ask a few questions, check your height and weight, take blood and urine samples, and request past medical records.

To learn more about your life insurance options and their qualifications call NY Twin Bridges Insurance Agency today.