Our Agency

Service

As your Agent

Facts show that medical costs/rates have increased at an alarming rate of 12% annual average.

At Financial Planning Concepts, Inc. our negotiating skills result from years of experience and study of insurance companies price/rate trends, cycles, and insurance underwriter behavior patterns. As your agent, we will use our knowledge and experience to reduce your rates in most cases by quoting all plans that you are eligible for and negotiating with your existing plan carrier. We will analyze your plan design, receive all the eligible quotes, prepare analysis and negotiate with your existing plan carrier to reduce rate increases.

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We also assist you with DOL and the SPD (Summary Plan Description) and the Summary Annual Report required by the Affordable Care Act.

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We start our work 4 months prior to your plans renewal. We do not charge fees for our services, we are paid by the insurance carriers.

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Clients

Who we Accommodate

Our agency provides services for all types of industries. We primarily work with employers of 25 to 1000 enrolled employees and have the capacity to work with larger groups including Self Funding Arrangements.

Jay Blakley  Founder

CLU, Rate Negotiation, DOL/IRS Compliance, Plan Design

Stephanie Norton

Plan Design

Insurance Carrier: Consultation, Quoting, and Employee Claims Negotiation

DOL/IRS Compliance, Analysis Reports

Diana Blakley

Marketing, Plan Administration, Customer Service

Analysis Reports