Fries Arthur

Insurance Consultants & Analysts, Annuities & Retirement Insurance Plans, Health Insurance

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(949) 673-7190Call Visit WebsiteVisit Website Map & DirectionsDirections917 Jordan CtNipomo, CA 93444 Write a ReviewWrite Review

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Mon - Fri:	9:00 am - 5:00 pm

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Email

Extra Phones

TollFree: (800) 567-1911

Phone: (949) 673-7183

Phone: (805) 343-6400

AKA

Arthur L Fries Rhu

Other Links

http://www.afries.com

http://www.afries.com/contact.html

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Insurance Consultants & Analysts, Annuities & Retirement Insurance Plans, Health Insurance, Insurance, Life Insurance

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Phone: (949) 673-7190

Address: 917 Jordan Ct, Nipomo, CA 93444

Website: http://www.afries.com

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Fries Arthur

Health and Life

Life Insurance
Most personal disability plans will pay benefits in addition to these supplemental benefits. There is also an additional benefit in the form of "waiver of premium" that may be included with a life insurance policy. This article will provide some information about these areas.
Health Insurance
This article will explain the most important area of selling insurance: getting in front of prospects. I’ll be telling you about the various methods that enabled me to earn in the top 1% of those selling life/health insurance in the country.
Disability Insurance
Arthur L. Fries, RHU is an independent life and health broker in Nipomo, California. He has sold disability insurance for 30+ years, 20 of those years mostly to attorneys in the Los Angeles area. Fries also acts as a consultant/negotiator with respect to new disability claims, problems related to existing disability claims or those that are terminated by the insurance company. He also provides advice to claimants related to disability claim buy-outs.

Workers Compensation Insurance
Most attending physicians, even with the best of intentions, also will prejudice your rights... and won't even know i t.Most attending physicians have never been educated about the difference between a Workers' Compensation claim response and that of an individual or group disability claim.

Annuities
Many group disability contracts only consider base salary as earnings and bonuses or exclude other kinds of compensation. Suppose you are dealing with a law firm and the attorneys are paid salary and a bonus, or a partner is also entitled to profits from the firm. It would be important to cover these kinds of earnings. Otherwise, there could be a considerable shortfall in the amount of monthly benefit the attorney would receive at claim time. For other employees of the firm, a different class could be set up with the more restrictive definition of earnings (salary only) applying. A lower premium for the firm might be your goal, but you must always point out this earnings kind of restriction. The insurance carrier that you are recommending might not allow you to provide coverage past the base salary. In that case, you must seek out a carrier that will provide the broader earnings definition even if the premiums are higher. Any omission on your part or failure to explain important wording in policy language or important restrictions/ limitations that could lead to a misunderstanding at claim time can be the basis of a lawsuit against you - the agent/broker who has recommended a particular kind of disability coverage. Suppose that you recommend only one kind of disability policy, as an agent, for that insurance company, but you also offer other companies as it relates to other kinds of insurance (life, annuities, etc.) You could be exposing yourself to liability by not being aware of other company disability contracts that could provide fewer restrictions/limitations and better policy definitions. As an independent broker, you have no giant insurance company to back up your mistakes/omissions. You'll have to rely on your malpractice carrier. As an agent with a company in which you recommend that insurance company's product, you will not only have the support of your malpractice carrier, but you will also have the support of the monies of the insurance company. So good advice is to secure as large of an amount of malpractice liability insurance as you can if you sell disability insurance in a broker capacity.
Liability Insurance

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