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Certify As An Agent/Broker On The Health Insurance Marketplace

With the Insurance Exchanges opening on October 1, if you have not done so, you should certify so that you can assist your clients and submit business on the individual exchange and on SHOP for small business. 

Before going to the site, you should look up your NIPR number (It is required) by going to the National Insurance Producer Registry.  You can access their site via AMG under "Non-Resident Licensing" on our Helpful Links page.

We have also added a link to create an account and take the required certification course at the bottom of our main webpage for those of you who have to sign up.


Contact Heather Matias Ainesworth for group quotes and other information relating to health care reform.




Memorial Herman Health Insurance Company

Affiliated Marketing is pleased to announce that we will be adding the Memorial Herman Health Insurance Company to our portfolio of Group Health Carriers.
Formerly known as MHealth, Memorial Herman offers a wide range of qualified plans for the Houston and surrounding area.  Their rates are very competitive and if you have a group that has no more than 20% located outside their service area, it is well worth quoting.

Contact Heather Matias Ainesworth for quotes and other information relating to Memorial Herman.




Final Rules On Penalties For Not Obtaining Health Insurance

The Internal Revenue Service has finalized penalties for individuals who do not obtain health insurance under healthcare reform.

Under the final rules, the shared responsibility payment for not maintaining essential coverage under the Patient Protection and Affordable Care Act is based on the greater of either a flat dollar amount or a percentage of household income over the taxpayer's applicable filing threshold.

The penalty for not obtaining coverage is $95 per person or 1 percent of household income in 2014 and jumps to $325 or 2 percent of income in 2015. In 2016, the IRS will fine nonexempt individuals without coverage either $695 or 2.5 percent of household income. After 2016, the penalty will be determined by a cost-of-living formula.

The Congressional Budget Office estimates less than 2 percent of Americans will forgo coverage and owe a shared responsibility payment, according to an IRS fact sheet released Wednesday.

Individuals have minimum essential coverage for a calendar month if they're enrolled in or covered by a health plan for at least one day during that month, according to the final rules. The IRS noted the one-day rule will ease administrative burdens for both taxpayers and the agency.

The IRS final rules do make some exceptions to the individual mandate. Those who will not have to make a shared responsibility payment include:

Individuals who cannot afford coverage;

Taxpayers with income below the filing threshold;

Members of Indian tribes;

Individuals who suffer hardship;

Individuals who experience short coverage gaps;

Members of religious sects or divisions;

Members of a healthcare sharing ministry;

Incarcerated individuals; and

Individuals who are not lawfully present.

"These rules will ease implementation and help ensure that the payment applies only to the limited group of taxpayers who choose to spend a substantial period of time without coverage despite having ready access to affordable coverage," the agency said in the fact sheet.


Contact Heather Matias Ainesworth for group quotes and other information relating to health care reform.




Genworth Reduces Term Rates

Effective September 3rd, Genworth will decrease rates for Colony Term 10, 15 and 20 by an average of 12% across all cells.

You can access a product fact sheet here.

Contact Steve Gresso for quotes and additional information




John Hancock Offers Needs Analysis Program

As part of Life Insurance Awareness month, John Hancock has released a new needs analysis program which is available to AMG partners on our Policy Assessment Page 

Unlike other investment products, permanent life insurance is rarely reviewed to evaluate its performance. Declines in interest rates, changing insurance costs, and market conditions significantly affect your client's policy. Yet the impact of these changes is seldom explored or understood. These factors can cause significant increases in the cost of an insurance policy or, even worse, cause coverage to expire during the lifetime of the insured.

Expired life insurance is not a rare occurrence---it is a significant problem. If you don't review your client's policies as their trusted advisor, who will? Reviewing your client's policies may protect you from liability under the Uniform Prudent Investor Act or your state's fiduciary standards.

What is a Policy Assessment?

The Policy Assessment report is an objective third-party review of your client's existing life insurance coverage. This review is completed at no cost to your client.

Provide Your Clients with Peace of Mind

Our Policy Assessment is always in your client's best financial   interest and may conclude that no changes are necessary. If improvements are suggested, the Policy Assessment clearly explains how and why your client will benefit financially from   taking advantage of the recommendations.  Regardless of the outcome, providing a Policy Assessment assures your client that you have their best interests in mind.

Contact Steve Gresso for quotes and additional information


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Phone 713.977.0611


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EZ Life Sales

Our proprietary web based one page application that is the same for all carriers.

You can quote and submit our one page application in less than 15 minutes.

It is the easiest system available for writing  life insurance and best of all, you retain control of your case, have 24/7 status updates available and there is no reduction in commissions.



BlueCross BlueShield of Texas Active In Individual Market

For health coverage sold directly to consumers -- the kind that will be offered on the exchanges — Blues have the most members in a large majority of states.

 Protecting that business is why Blues have little choice but to offer plans in the online marketplaces, analysts said. If they abstain, they risk losing those members. Once in the game, they need to recruit as many customers as possible to avoid signing a disproportionate share of the sick.

“In campaign terms, it’s a get-out-the-vote type of approach,” said Michelle Riddell, vice president of community investment for BlueCross BlueShield of Texas.

Like the Louisiana Blues, the Texas Blues are educating and recruiting exchange customers with little cooperation from the state. Texas and Louisiana are among 33 states leaving exchange implementation to the federal government amid questions about whether it has the resources to educate a broadly ignorant public.

The Texas insurer’s Be Covered Texas team includes Habitat for Humanity, diabetes groups, churches, social services nonprofits, the NAACP and community clinics — all putting out the Obamacare word in the state with the highest percentage of uninsured people in the country.

The campaign includes a Web site, a texting campaign and community events planned through the rest of the year. A Blues official recently spoke to the Houston congregation of Windsor Village United Methodist Church, which has more than 16,000 members. Food bank grocery bags bear printed information about health insurance. Barber shops are seen as health information hubs.

Be Covered Texas doesn’t mention Blue Cross, presenting itself as a grass-roots program. Health Care Services Corp., the parent of the Texas Blues, hasn’t disclosed how much it is spending on the Texas effort and similar outreach by its Blues plans in New Mexico, Illinois and Oklahoma, a spokesman said.

“I view this as a three-year project,” said Bert Marshall, president of BlueCross BlueShield of Texas. “I think the education piece is going to last well beyond this enrollment and well beyond the next.”

With his company holding more than half of the Texas individual insurance market, Marshall believes an early and extended campaign is a good investment.



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