Wednesday, February 25, 2015

Is There An Alternative To Traditional Insurance Marketing & Distribution Strategies?

Traditional marketing strategies for both Insurance Companies - the manufacturers of Plans, Programs and Services - and the Broker/Agents - the distribution channels - have changed little since the days of Ben Franklin (See Info. on Ben Franklin & Insurance)!

It's time to leverage the power of the internet, search engines, social/business media, SEO and a reasonably new distribution channel - Affiliate Marketing!
See - Affiliate Marketing Terms Below!
Is affiliate marketing for you?

Note - Yes I know!  Some sectors of the Insurance Industry are already ahead of the curve in utilizing Affiliate Marketing, e.g. auto, health & life quotes, pet, and legal plans.

The Problem - Distribution channels traditionally utilized by Insurance Companies - as well Broker/Agents - for reaching targeted markets have experienced disruptive changes over the past several years. The cost, efficiency, and effects of regulation (like MLRs) on traditional distribution channels have created a demand for new more effective and cost-effective strategies!

Affiliate Marketing is an opportunity that should be explored!

Tips for being a successful affiliate marketer
Advantages for Insurance Companies & Brokers:
> Gain a wider market to sell Plans, Programs and Services, resulting in more leads, customers, sales, and revenues. 
Gain more qualified prospects and clients without spending valuable time in cold calling and searching for them.  
> Contain and/or reduce marketing costs. 
> It does not require a sizeable investment of time and money to get a program started (See two options below!) 
> Affiliates do not need to be licensed if the program is properly structured.
> A larger and more diverse set of distribution channels can be established without the need for training. 
Advantages for Affiliates:
> Do not need to be licensed if program is properly structured. 
> Do not have to worry about direct selling, book keeping, and e-commerce related headaches since the advertiser - or their service provider - handles it all. The affiliate can focus on promoting the Plans, Programs, Services and generating income.
> Enjoy the luxury of being their own boss and work on their own time.
> Only requirements are a laptop and an internet connection. Anyone can work almost anywhere.
> Tremendous income opportunities and the ability to affiliate with branded Plans, Programs and Services.

Disadvantages for Insurance Companies & Brokers:
> Affiliates may use false and misleading advertising in order to get sales commissions. 
> It may be necessary to add a staff member to manage the Affiliate program.
Disadvantages for Affiliates:
> Unscrupulous and dishonest Advertisers may arbitrarily close down programs without informing the affiliates and without paying commissions. 
> Affiliates will need to familiarize themselves with the advertisers targeted markets to design an effective business plan.

The bottom line!
"No matter the disadvantages, affiliate marketing still remains as one of the best ways to make money online." Marketers [both the advertiser and affiliate] simply have to understand that by doing their homework and research before hand and by implementing simple security measures, they can easily negate all these disadvantages in order to enjoy the advantages of the affiliate marketing program." (

How to get started and maintain an Affiliate Marketing Campaign? You have two basis choices!

1) Build the Program In-House -- Manage campaigns and to track affiliate referrals and sales utilizing proven professional software. Two examples of this type of opportunity include: 
     a) QualityUnit     b) Affiliatwize/AdComplete
2) An online advertising and internet marketing company - that specializes in affiliate, media and tracking services. These include: 
     a) ShareASale    b) CJ     c) FlexOffers     d) LinkShare     e) LinkConnection 

Glossary of Affiliate Marketing Terms (Thanks to and
  • Affiliate MarketingAny type of revenue-sharing program in which a publisher receives a commission for generating online actions (such as leads or sales) for an advertiser; also called performance-based marketing, partner marketing, CPA, associate program, or pay-for-performance program. (CJ)
  • Affiliate Individuals or business that, for a commission rate, generates sales, leads or clicks from a website by promoting products or services for a merchant using an affiliate program. Affiliate uses e.g. banner ads or text links to refer website traffic to merchant landing page. (Affiliatetips)
  • Affiliate ProgramA program through which a merchant pays a commission to an affiliate for generating clicks, leads, or sales. Also known as an associate, partner, referral, or revenue sharing program. (Affiliatetips)
  • Advertiser - A company that sells a product or service, accepts payments, and fulfills orders online. Advertisers partner with publishers to help promote their products and services. Publishers place an advertiser’s ad, text links, or product links on their website or include them in email campaigns and search listings in exchange for commissions on leads or sales. Also known in affiliate marketing as a “merchant.” (CJ)
  • Banner AdA banner is a clickable (hyperlinked) advertising graphic, and is the most common type of web advertisement. Banners are graphics of all shapes and sizes. (CJ)
  • Publisher - The owner of a website that chooses to display or promote an advertiser's products or services. Publishers agree to place ads on their websites or promote an advertiser's offers via search or other means authorized by the advertiser. In return, publishers can earn commissions, which vary by advertiser, on click-throughs, leads, or purchases made through the links on their websites. (CJ)
  • PPA -- Pay-Per-Action - Merchant payment method of commission to affiliate based on referred traffic taking the desired action of the merchant, e.g. signing up for newsletter or purchasing a product. (Affiliatetips)
  • PPC -- Pay-Per-Click - Advertising service offered by search engines enabling merchants to advertise on the search engine result page. Ad position is managed by a bidding system and merchant pays every time a visitor click on the ad. (Affiliatetips)
  • PPA -- Pay-Per-Lead - Offering visitors a consumer based website, evaluating products and services affiliates can generate leads to evaluated merchants websites and get a commission in return. (Affiliatetips)
  • PPS -- Pay-Per-Sale - Affiliates receive a commission on every sale merchants make to a referred customer. Normally a certain percentage is withdrawn from the product or service price. (Affiliatetips)
  • Text LinkWord, phrase, sentence or complete text used for linking to internal or external webpage. Tools: Applications, software, plug-ins, strategies, add-ons, services, products or person... (Affiliatetips)
  • TrackingTo ensure affiliates receive proper commission for all referrals tracking is used to keep track of the origin of landing page visitors. Tracking Method: Different ways for affiliates to track their referrals. Most common is a tracking assigned link in
    the ad or tracking of visitors cookies. (Affiliatetips)    
The Thing to Remember! In the new world of affiliate marketing, an advertiser - Insurance 
Company or Broker/Agent - can sell Plans, Programs and/or Services if they are ready to
Leveraging the internet and affiliate marketing for success!
pay other people to help sell and promote their business in a slightly different way! 

See an example of how we are using Affiliate Marketing!!  

Please Comment or For More Information -- Email -
                Let's connect on Linkedin

Thursday, February 5, 2015

Toxic Cookware - Is It Killing You and Your Family? Here's a Healthy Option!

There's Such a Thing as “Toxic-Free” Cookware? Absolutely!!

So, for the past 40 plus years I have been engaged in finding the best way to feed my family, which included four children who are all now grown and doing well on their own, thank goodness. In the process of growing up, they each, in their own way, thought I was a bit “touched in the head,” so to speak. Why?

Is your cookware damaging your health?
Because, beginning way back in the 1970's (and going forward!), I made my own yogurt (with organic milk, yet—not so easy to find, back then!); only bought whole grain, organic flours which I kept in the freezer to keep them fresh; purchased peanut butter made with salt and nothing else—the kind that requires stirring in the oil at the top when first opened; and kept my cold-pressed olive, safflower, and canola oils in the fridge to make sure that they wouldn't become rancid and destroy all the fat-soluble vitamins in our bodies. (Note: Open a fresh bottle of olive oil, for example—it should smell a bit like olives! Now open a bottle that has spent months and months in a hot cabinet and take a whiff—that smell is awful because it is spoiled—rancid--and it is awful for your body, too!)

When it came to cookware, I was equally careful. Or so I thought. A wedding gift of aluminum cookware was the hot, new thing and my parents were so excited to make sure that I had a full set! That all seemed like a really good idea, until I realized that aluminum is a heavy metal that leaches into the food in which it is cooked and is very toxic to human-beings. I ditched the set; I mean I threw it in the garbage; I wouldn't give it to somebody else to make them sick, would I? Later on, when my Mom had a pre-cancerous lesion removed, I did some research and found that the ubiquitous ingredient of aluminum in deodorants was carcinogenic and I started using and recommending aluminum-free deodorant to friends, family, and acquaintances! And finally, there's “tin foil,” which is really aluminum foil. Use it in contact with your food, and it leaches aluminum into that food; so now when I heat or store food, I use a sheet of parchment paper over the food, and then the aluminum foil over the parchment, so aluminum never touches the food...

Moving on in the cookware journey, I turned to stainless steel. Little did I know that, even though it is a much better alternative to aluminum, it is still toxic. Stainless steel cookware is made from a metal alloy consisting of mostly ferric iron (which is not the ferrous kind our
Aluminum and stainless steel cookware is not healthy - it is toxic!
bodies need to make our blood red and which comes from food), and chromium along with differing percentages of molybdenum, nickel, titanium, copper and vanadium—not exactly a combination offering healthful elements for human beings. The leaching elements of heavy metal ferric iron, chromium, and nickel all can have negative health effects on our bodies due to their toxicity.

So what to do? Look to pots that are as new as tomorrow and as old as time itself: Clay Cookware which is made in Massachusetts from 100% pure and natural clay, harvested from non-industrialized and secluded places in the United States and tested in an independent state laboratory to ensure purity. In fact, this clay is edible! And each pot is artistically made by a professional potter, while giving you the safest, purest way to cook...

Miriam's Eathenware is non-toxic and healthy!
And where can you get such products? From Miriam's Earthen Cookware! The clay contains important nutrients: phosphorous, potassium, calcium, and magnesium. It also contains micro-nutrients: boron, manganese, zinc, copper, and iron. And these elements of nature are bound together into a stone-like entity and are non-reactive and inert! They do not leach into your food; instead this cookware evenly distributes heat, locks-in steam, and prevents food nutrients from leaching out! There is nothing toxic added and they’re not glazed. They’re Guaranteed to be 100% FREE of Lead, Chemicals, Enamel (paint) and Cadmium. They have NO Heavy Metals, Glaze or Toxins.

Here's what else you should know about Miriam's pots: 1. Steam-Locking Lids Create Energy Savings: Your pot lids are double-locked to retain steam from your food so you won't lose water-soluble nutrients, you don't need extra oils, fat, and/or cooking liquids, and you will use ½ the energy of conventional cooking by only using medium (not high) heat. 
2. Cooking Occurs via Superior Far-Infrared Heat Cooking: Your food cooks slowly, evenly and penetrates your food thoroughly without damaging nutritional cells—that means that you and your family are maximizing the nutrition in all the foods you cook in a Miriam's pot. 3. Pots Can Be Used on Both Your Stove-Top and in the Oven: You will use a heat diffuser to cook on any electric stove-top (available on the site for less than $20) and it is recommended that you use one for gas stove-tops as well. In addition, Miriam's pots can withstand oven temperatures of 450°. 4. Multi-Cooking means Multi-Heat Sources and Multi-Functional: You will also use your new Miriam's pot  on wood-fired stoves, inside slow-cookers, solar ovens and for outdoor cooking, too. And your new pot(s) function as a Dutch oven, a slow cooker, a rice pot, a pressure cooker, and even a yogurt-maker! 5. And There's More! Easy to Clean, Burn-Free Handles (!), and Exceptional Customer Care: There are so many benefits to Miriam's Earthenware Cookware!

Special  - 25% off on Miriam's Earthen Cookware!
The best part is that the Company is offering a 25% discount if you purchase a set of 2 or 3 pots from their “Alternate Line.” And should you find an American-made, unglazed pot like Miriam's Earthen Cookware selling for less, contact the Company and they will beat the price by 10%!

So, now that you know that you are probably harboring toxic-laden cookware in your kitchen cabinets that you believed would support your health and the health of your family as you prepare well-chosen, healthy dishes, just do this one thing: Click here to visit Miriam's Earthen Cookware site and shop for a way-better alternative to conventional cookware. Remember: knowledge is a very powerful's your chance to use it to make your WHOLE life, and that of your family, MUCH healthier day-by-day, now and into the future! Happy, Healthy Cooking!

Saturday, January 31, 2015

Valentine's Day Is For Friends, Family & Lovers - You Can Make A Difference!!!

Valentine's Day is Almost Here!! What to Do?? What to Do??

Celebrate Valentine's Day with a Flora2000 gift!
Here it comes...the one day in the year when you can celebrate the people in your life whom you love--and not just your girlfriend/boyfriend, significant other, partner, or spouse! Really, there are probably several more really special people in your life. For a quick and easy way to reach out, link to Flora2000 and choose just the right gift for your loved ones. But I am getting ahead of myself...

The way I see it, I'd love to start with my Folks to celebrate all that they have done and sacrificed for me in my life. In my case, both my parents are on the other side and I will light 2 candles in their honor to remember them and to commemorate my love for them. If you are lucky, you can celebrate your parents and all the heart they provided you while they are still on this side! It will mean so much to them...

Then, for many of us, there are Siblings to remember. With all the challenges most of us experience in growing up in a household with a brother or a sister or more than one of each (!), we couldn't have learned how to become the people that we are without the interpersonal dynamics of spending our most formative years together. Hopefully, we continue to refine the person that we are by getting better at following the Golden Rule (which may have been a bit challenging when we were kids), but the basic stuff of ourselves was hammered out when we were young as we interacted with our brother(s) and/or our sister(s). My brother and I are really close, especially now that we are, respectively, the matriarch (I'm 2 years older) and the patriarch of our families. And even if you are not so close, when was the last time you made Valentine's Day special for any of the siblings you may have? Trust me. Reach out and forget about how good it will make your sibling feel; just be amazed at how good it will make YOU feel!

Celebrate Valentine's Day with the family you love!
And how about the extraordinary extended Family Members and Friends in your life: the Grandparents, the Aunts and Uncles and Cousins; the Lifetime Friends, the Mentors, the people who regularly make you smile and are there for you when the going gets tough? Valentine's Day is a loving way to acknowledge those who contribute so much to the quality of our lives. Here's a question for you, “Is it too much to ask of my time and effort to reach out to these really special people and give them a really special reason to smile and be appreciated?"

Next come the stereotypical objects of our Valentine's Day Gifting, if we have been lucky enough to have found Our Special Someone: our Significant Others; Life Partners; Girlfriends or Boyfriends; Husbands or Wives, etc. It feels wonderful to celebrate the romance that started your relationship. “Romance is the glamour that turns the dust of everyday life into a golden haze. Love is that condition in which the happiness of another person is essential to your own. If these are the sentiments you harbor within for the one who rules your heart then express your feelings in the most special way this Valentine’s Day...”

And last, but not least, if you have come to that stage in life (!), there are your Children, your Nieces and Nephews, and perhaps even your Grandchildren to celebrate. When my children were growing up, they excitedly anticipated the Valentine's Day cards and candy that always arrived from their Grandparents who lived several states away. Like other holidays, Valentine's Day offers each of us an opportunity to create traditions that are lovingly anticipated from year-to-year: baking heart cookies or cakes; hiding surprise heart candy in lunch boxes and/or under dinner plates; a backwards dinner where the Valentine's treats are the first course with the Valentine's Day dinner to follow; wearing an article of clothing that is red on February 14th, etc. No doubt you have some stellar traditions and/or ideas of your own that you could share! If you don't, consider making this Valentine's the one where you start your very own special tradition.  :-)

One of the most traditional ways to reach out to those we love is to arrange a special
delivery of flowers, fruit baskets, cakes, stuffed animals, fragrances, chocolates/candies, and/or cookies. Fortunately, this is the easy part of reaching out! Take a look at Flora2000 as a wonderful way to celebrate the people on your Valentine's Day List.
Here's what you should know about Flora2000:                   
  1. You can schedule a delivery to one of 190 countries; Flora2000 has served a worldwide market for 15 years with a 100% Satisfaction Guaranteed—No quibbles—either a Refund or Replacement.
  2. You can search the site for a particular type of gift combination—try “teddy bears” and 3 different, beautiful floral arrangements pop up, each with a teddy bear; one arrangement even has a small box of chocolates to go with it!
  3. You can get feedback/testimonials from reviewers on most all of the items offered before you decide on the perfect gift you want to send.
  4. Many items you choose can be delivered the same day; most on the next day. The delivery price (mostly $14.99) and total cost is clearly available on the description of each gift offered. And transactions are secure.
  5. Flora 2000 also offers its customers a 3-Tiered Loyalty Program (Silver, Gold, and Platinum) which extends unique and exciting benefits and exclusive privileges.
NOTE -- To see your choices of gifts - including 50% off Valentine's Day Specials - CLICK HERE and then go to"SHOP NOW"! (Check-out the "Love Medley" that includes Rufescent the Bear, Flowers, and a Box of Chocolate!) 
Flora2000 gifts warm the hearts of those you love!

And here's the best part! Flora2000 offers you a whole section of Super Saver Offers, a Toll-Free number, and a Chat capacity available 24/7 for live support so you can get the help you need at any time of the day or night! So whether you reach out to the people you love on Birthdays, Weddings, Anniversaries, Births, other Momentous Occasions, Life Cycle Events or on Valentine's Day, I have a request: Link to the Flora2000 site and choose just the right gift...

Then, just revel in how great you feel to be making someone you love take a deep breath of surprise and then smile with delight all the day through because they received your amazing gift delivery!  

Thursday, January 29, 2015

Do You Know If Your Workout Is Working For You?

Ready. Get Set. Get Fit. Go Fitbit!

There's no denying it. It's already the end of January and our New Year's Resolution to amp up our

health and fitness is waning by the day. And Springtime is getting closer and closer as the days get longer and longer. Is there anything we can do to take the first meaningful, regular steps to get in sync with our objectives?
Make it happen - track your workouts and lifestyle!
Of course there is! It's called Fitbit! Over the course of the last 7 years, Fitbit has developed and evolved simple, easy, accurate, affordable Activity Tracking Solutions in several formats—wristbands, a clip-on, and even chic fashion accessories by Tory Burch—a premier American fashion designer!

But don't be fooled...

Whether you look at the entry level “Zip” which tracks steps, distance, and calories...

or the highest level “Surge” which adds tracking for stairs, sleep quality with gently vibrating alarm, watch, caller ID, heart rate, GPS, multi-sport records, notifications from your phone, as well as music from your playlist... 

or one of the models in-between... 
Fitbit comes in various affordable prices for all!prices

You will be getting a tracker with the latest, greatest technology. In addition, Fitbit syncs with your smartphone and computer, so you always know how your activities are working toward your better health or if you need to re-assess and add more to your efforts to reach your goals.

But is wearable wellness a fad or here to stay? Can it really help you reach your health and fitness goals? Will it really motivate you to perform at ever-increasing levels to help you become the lean, mean health-machine you are striving for?

Consider this: 1. The data is automatic, verifiable, and accurate. 2. The technology is connected to your phone and computer so your stats are always at your fingertips for you and your Doctor. 3. You can plug into a social network to compete and/or get support. 4. You can choose a designer, lifestyle model for pizzaz. 5. Just like you, people everywhere are choosing to be more active and they want to make sure their efforts can be measured and are paying off. 6. You can even get a Premium Fitbit Membership for $49/year which includes a personal trainer, nutritionist, and sleep consultant—all of which will create motiviation for your efforts!

You are ready to change your life. Walking, running, cross-training, cardio—whatever works for you. Fitbit will jump-start your journey. Your heart will thank you. Your muscles will thank you. You will sleep better and awaken refreshed. Your Doctor will congratulate you. You will have more energy than you ever remembered.
We all procrastinate, even when we know that we can enhance our well-being. So, let's make this easy. Say to yourself: “If I just click on any of the “Fitbit” links in this Blog, I can be on my way to taking charge of my health and well-being doing any activity I choose—
even just walking my way to a healthier me and making every step count.” Then click.

And smile. You just did something really wonderful for yourself! - It's Fifbit!

Tuesday, January 27, 2015

A Wellness Component and Opportunity - 30 Min 3 Days a Week!

Healthy and Fit in 30 Minutes—3 Times a Week? Really??

Okay. New Resolution—2015: a New Year, a Healthier, More Fit You. Really.

But wait. Haven't you been here before? I have.

Most of us make resolutions to exercise and lose pounds
Those early morning- or after-work trips to the gym that eat up a couple of hours each time, what with the gym-bag packing, the travel, the clothes-changing, and the actual exercise routines. Then the shower, the clothes- changing and the travel again. Somehow, at the end of it all, I don't feel energized, I feel exhausted...And when it's time to repeat the process the following day to get the lean, healthy body I'm striving for, my motivation just seems to evaporate. Too much time, too much non-exercise-related effort, too interruptive to my day, and too costly.

What I really need is a way to get the best calorie-burning, toning results at home, to eliminate the wasted time of going to a gym, to enjoy the experience my way, and boost my confidence and energy. And get all that by working out for 30 Minutes—3 Times a Week, in my comfortable space, watching/listening to whatever media experience floats my boat at any given time, wearing what I want without embarrassment. Is such a thing possible? You better betcha!

Believe it or not, there is one piece of equipment that offers all those advantages and more. You use it in your home and you burn over 600 calories in 30 Minutes just by WALKING! It's called the BowFlexTreadclimber!
The BowFlex TC10 Best Seller

Imagine a piece of equipment that uses the best combined technology of a treadmill, stairclimber, and elliptical machine—ALL IN ONE—with non of the joint stress of running! The results? 30 Minutes of WALKING on the BowFlexTreadclimber burns almost 4 times as many calories as using a treadmill (165 calories for 30 minutes) and more that 3 times as many calories as on a stairclimber (191 calories for 30 minutes)...

And what are 8 other benefits to you besides burning off all those calories?
  1. You lose weight. 2. You look better. 3. You increase your energy. 4. You increase your bone density and strength so you are at less risk of a bone fracture. 5. You increase your good cholesterol—HDL's. 6. You decrease your risk of a heart attack. 7. You decrease any back pains. 8. You increase your metabolism which decreases body fat and your body becomes leaner.
Shelly lost 40 pounds in four months using the BowFlex Treadclimber
Who's going to argue with those results???

So what's the catch? The Cost. Because you're worth it, you need to make a financial commitment to obtain this important piece of equipment that will make you a happier, healthier you. A you who makes you smile when you look in the mirror; a you who actually enjoys shopping for smart clothes that you have only loved on other people, a you whose doctor congratulates you on your new-found health and energy!

Fortunately, you can save anywhere from $200 to $700 with the special offers available. And, if approved, you can obtain free financing for 18 months! And besides the equipment choice of 3 models of the BowFlexTreadclimber, you will receive access to the BowFlex Community, Training Tips, and Diet Advice, too!

What are you waiting for? You want a healthy and fit you ASAP...So, you need to take the first step: Check out the 3 BowFlex Treadmill choices, choose the model which most appeals to you and your pocketbook, and start WALKING to become a healthier, fit, and happier you! Enjoy the journey—the payoff is AMAZING!!

Check-out our new website offering "Exclusive Opportunities" -

Friday, January 23, 2015

Good Health Can Affordably Start With Your Mouth & Teeth!

A Healthy Mouth = A Healthier You!

That hole in our faces between our nose and our chin is an amazing anatomical part...yet we often take it for granted even though it is vital to our well-being in so many ways!

The importance of teeth and mouth care for ood health
What ways, you ask? My partner, Maxine, is a trained dental hygienist, and she gave me the quick and short list of the vital role of our mouths: Food Intake and Pre-digestion; Speech; Appearance (Healthy Smile); and General Circulatory System Health to prevent Bacterial and Viral-based Heart Disease, Blood Infections, and General Malaise.

So, hands down, it pays to take care of our mouths to promote our general health! Here's the next consideration—and it's personal: What have you done lately to maximize the health of YOUR mouth?

The care and maintenance of your mouth breaks down into 2 simple categories:
  1. DENTAL SELF-CARE: Cleaning your teeth, gums, and tongue, 1-2 times per day.
  2. DENTAL PROFESSIONAL CARE: Getting a teeth and gum examination—often including x-rays (“radiographs”), teeth cleaning (“prophylaxis” is the clinical term), and treatment as necessary, 1-2 times per year.
Just know that the modern focus of dental care is on prevention and includes instruction for daily self-cleaning care as well as a professional exam, cleaning, and treatment with new techniques that are far more comfortable for patients than in days of old!

Often, though there are two obstacles for people who are stonewalled at getting the Professional Dental Care they need: FEAR and COST.

If FEAR of the dentist is keeping you from the care you need to stay a healthier you, know that you can shop around for THE dentist who offers the most comfortable, professional care. Call several offices and ask them to describe their prevention protocol for patients and request a couple of patient reviews! Seriously, you probably shop for the best quality and value for all the other services you need to purchase; do it for your mouth, too!

The other obstacle is COST. So where is the White Horse come to save the day??? Well, it's here and it's called Individual (and, often, Family) Dental Plans. These Plans are not traditional insurance plans offered by an employer group. Rather, they are discount plans for individuals and family members that can generate even greater cost-savings to you! We're going to look at one of the best, most affordable Plans in the marketplace: Careington Discount Dental Plan.

Here is what Careington offers: It has some of the best health care and lifestyle discount plans in the industry. Key features include:
  • Discounts available at the time of service
  • Unlimited plan usage, with no administrative forms or waiting
  • On most plans, membership can include family members
  • Existing medical conditions OK
  • Compatible with consumer-directed health plans such as HSAs/FSAs
  • Cancellation available within 30 days and receive a full refund, less your processing fee
  • Quality Providers
So, don't wait another minute to guarantee a more healthy mouth to support a more healthy you! Link to Careington Discount Dental Plans and take a look at the important, affordable dental coverage that is in sync with your dental AND general health! (We even encourage Brokers to offer it to their clients!) There's even more! The Careington Plan includes Vision and Pharmacy Discount Cards! So, sign up for the Plan to best meet your needs and welcome to the world of Happy Smiles!  

Thursday, January 22, 2015

Limiting Your Costs - Your Pets Deserve All Your Love!

As we begin the New Year, I decided it was important to look at some areas of interest outside of insurance and benefits. And what better way, but to introduce you to some amazing companies and products that will enrich your lifestyle and that of your family, friends, and pets? So I decided to start with pets. Here's why...

That intangible sense of well-being that comes from the unconditional love that most of our pets offer us makes coming home even better after a long day! My dog is a border collie/lab mix whose name is Derby—short for Dirtbike. My daughter, Sarah, and her then boyfriend, named him in honor of a hot band in Columbus, Ohio over 10 years ago when they got him as the runt of a litter that was in the local shelter. As time went forward, Sarah was unable to keep Derby in the apartment she had, so she bequeathed him to me! Derby's happy-dance when I walk in the door never gets old! But HE is getting older (not so sure about the wiser!) and it is important to offer him the best quality of life with carefully chosen food, toys, and meds to keep him physically, psychologically, and emotionally at his peak. No doubt you feel the same way about your pet(s)!

After checking the internet for a pet-supply vendor which offered a cost-effective, broad range of brand-name, quality pet products, I discovered Pet360/Pet Food Direct. Whether you share your home with a Dog, Cat, Small Pet, Reptile, Fish, or Bird (or multiples of any of these creatures!), Pet360/Pet Food Direct offers a lowest price guarantee on hundreds of premium brands and thousands of products in an easily searchable site. In addition, (and I always look for this), they also offer additional opportunities to save, including free shipping on orders over $49, so that your products are delivered to your door without any shipping costs! Our next post will discuss Pet Insurance and Pet Care Discount Plans.

Do yourself and your pet(s) a favor! Link to -: and Today through January 31st, receive free shipping on all orders of $49 or more and 10% off + free shipping on all orders of $79 or more! Choose some fabulous items to have shipped to your door, and create even more smiles for you AND your pets! 


BenefitPlace hopes you will use this forum to respond to posted comments and share your ideas, questions and expertise related to the overall Employee Benefits and Individual insurance marketplace. Thanks for joining us!