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Site of Joe Clark Author of

"Common Sense Retirement" 

This book will save you money and prevent financial headaches!

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Option 1 $25.00

See my blog
www.insuranceauthor.wordpress.com

  
Joe Clark is a licensed Life and health insurance agent/broker in CO, AZ, GA, NE, NM, OK, SC, TX. I offer free consultation on any of your Medicare Supplement, Medicare Advantage or Medicare PDP (Rx) options or life insurance or burial insurance.

An agent does not cost you anything. In fact, it is my intention to have a positive impact on your finances just as you should expect from any financial assistant. When I get paid it is by an insurance company. Since I represent many insurance companies my interest is in finding the best fit for you.

Keep in mind that many expenses incurred when you are ill are not covered by health insurance. These are the expenses of daily living like rent, utilities, eating, etc. I suggest affordable insurance to cover this.

You can phone me at 877-388-3272 or 303-886-2229. If I am in an appointment I will call you back.

What drives me

Like many of you I am retired except that I have a passion for helping other seniors avoid being taken advantage of.

Retirement income is often not enough. With fuel prices wildly fluctuating and the stock market going crazy, not to mention the government, we need to conserve our resources. My book puts forth a few ideas for increasing your income.

Insurance is a place I might be able to save you some money and help you make better informed choices.

People

There are no other people.This website is just me. If you are not in Colorado or a state I am licensed in, I will help you understand your choices wherever you are. I just want to help. All those licenses permit me to help in those states.

Company

I am an independent broker, representing most of the insurance companies, and am affiliated with Health Choice One and Medicare Benefit Advisers. I owe no special loyalty to any one company. My loyalty is to getting my client (you) the best protection for the least premium.

Agent vs Broker

An agent can be an employee of an insurance company, an employee of an insurance agency, or an independent agent affiliated with one insurance agency. Any captive agent is dedicated to a limited line of insurance products. Is this what you want to buy?

In many cases the agent represents only a narrow range of products, usually from one company.

An independent broker represents several insurance companies and is often affiliated with a brokerage that provides logistical support.

My being a broker means that I represent all the significant insurance companies that are contracted with Medicare.

Personal

I spent my first 53 years in Texas.

After serving 4 years in the USAF I was a State Trooper and progressed from that to owning a Private Investigation Company for 15 years. I do know how to figure out the better from the good or ordinary.

When I sold out and retired the first time we traveled via Motorhome. That was fun but got old after a while.

Then I moved to Denver and did various things (including making a lot of sawdust) until I was led to getting an insurance license.

For a while I sold traditional health insurance but found that not very fulfilling. When I was led to the Senior market it was love at first sight. Now I feel like I can do some good.

Now I have written a book on the subject and it is my hope I will reach a larger audience and therefore help a lot more people. No salesman will call.

The weather here is wonderful and I have gotten involved in camping, hiking, and generally loving the outdoors. In the past I enjoyed dancing but have not found places here to dance that are not honky tonks catering to a crowd far to young for me.