The Insurance Lady

My name is Jonni Hoskins, an Insurance Agent in Georgia.

Some people would say that what I do is boring, however, I find it a highly interesting field. There is always more to learn and explore in the world of insurance, so much that I love to talk and write about it. I am an agent licensed in Health, Personal Lines (Property), Accident/Sickness, and Life. I am an insurance company recruiter's dream agent- one who study's everything out of passion and carry multiple designations.

I talk about things consumers may not understand effortlessly, even the more complex matters. I research underwriting of different companies, which I do not share publicly, so do not bother asking. What I do explain are answers to questions people have about their own policies, regardless of the type. I am not "flowery" and believe in giving blunt, "to-the-point" answers because the subject matter of death and illness are serious, sometimes depressing for many people. Financial preparation and income protection are serious.

Major Medical insurance only pays for some of your care, including preventative. There are still deductibles, coinsurance, prescriptions, and transportation. Unless your policy has a special rider, it will not pay any living expenses and its cost rises after a lapse or review to a higher premium.

I do not only encourage people to use policies for the unexpected; I strongly express the importance of saving. It doesn't matter how you save money, just do it. Acquire assets of collateral. Do not waste money by renting an apartment for 15 years, buy a home if possible. A landlord would have evicted me and my dog when I became disabled. People cannot afford to care about your financial dilemmas in this economy.

Put a few dollars away into a retirement fund where the funds can be accessible in the event of illness or disability too. There are so many ways to protect yourself from the unknown. Always be willing to sacrifice a few dollars this. We live a nation where people spend $4 on cigarettes or coffee a day, even $14+ for lunch daily. We live in a nation where people spend $70+ a month on car insurance for "full-coverage" and nothing on their own lives. We pay %10 to churches on tides and that same church may not be able to pay your electric and water bills. We are taxed at least %29 to 33% for a system that will rather you lose all you have gained before even considering granting you free health care.

Start saving by any means and do not waste money. Who cares about a phone bill, when you do not have food, dignified care and medication. Only the rich can survive months of no incoming income. Try doing this for 2 years- it is impossible.

The application process of social services and assistance are nightmares of false hope, especially if you are single. There are entire families on waiting lists right now, while someone like me is expected to give up and move-in with a friend or family member. The feelings of abandonment and rejection are something no one should endure, especially when not healthy enough to endure loss after loss. This is the truth. A very harsh truth. Your tax dollars pay for others and it is still not enough to go around and many abuse the system. Build your own plan.

Ask me for unbiased advice. When out in the field, I am amazed by how many people do not understand what they are paying for and even more blown away by the growing amount of people who wait until it is too late to acquire health and life insurance. At first, I thought it was only in Middle Georgia, but no- It is a state-wide issue.

Georgia requires liability insurance to others for automotive operation; we even add full coverage to vehicles that are not worth the premiums... Why do people go overboard with property and ignore their own bodies? I'll never know. Maybe it is because of lack of understanding. Use my blog entries as reference. You may even call me on my free time (478) 935-9929 at home. I love to answer questions because I feel like I am helping someone. If it were not for my professional career and my chihuahua, my life would be unfulfilled and lonely.

I am the "Insurance Lady" in a field that was once dominated by men. I take pride in what I do and all of my accomplishments. I also get travel, promote awareness, participate in events, and meet unique and interesting people to share all that I have learned over the years on a daily basis. :)

Enjoy my blog! Maybe the covered subjects could help you or someone you know too.
www.MyLifeInsuranceGeorgia.com