Insurance Services Offered

Pribyl Insurance concentrates on individual and small business concerns and has designed his portfolio of products to meet the needs of his clients:

• Medical/Health Insurance
• Life Insurance
• Senior Focus

Medical/Health Insurance

• Individuals & Families:
  • Short Term & Temporary Coverage
    • Between Jobs or Laid Off
    • Graduating from College
    • Waiting for Group Coverage
    • Dependents coming off parent's heath plan
  • Comprehensive Health Coverage
    • Representing all quality health insurance carriers in California & Nevada
      • Know your health history
      • You choose from multiple plans
• Discuss plan limitations
• You must qualify
• Low premiums = higher liability
• Understand the underwriting process
• Health Savings Accounts
  • Compatible high deductible
• Small Business
  • Group coverage for 2 or more
  • Must show Employer/Employee relationship
  • Guarantee issue in both CA & NV
  • Hundreds of plans; options within options
  • Interview will determine plans closest to your needs and budget
  • Questions regarding COBRA/HIPPA answered
• Dental
  • Individual or group
  • NEW--Non-insurance discount packages

Life Insurance

• Term Life
  • Term with quoted options of 5, 10, 15, 20 or 30 years
  • Provide quotes and comparisons
  • Discuss options
    • Preferred, standard, rated
    • Nicotine use increases costs
  • Review pre-qualification questionnaire
  • Analyze benefit amount & length of coverage
• Also: Whole life, permanent, or universal
  • Higher costs vs. cash values

Senior Focus

• Medicare Supplements
  • Eligible age 65
  • Begin review at age 64 1/2
• Long Term Care Insurance
  • Begin considering in 50's or 60's
  • Senior disability
    • Convalescence or home care
  • Consider individual's assets & health