Health Insurance

JLBG is the largest provider of health insurance and employee benefit plans, and because the company is fully aware that health insurance is a complex subject, it offers free advice, quotes, and news from a licensed professional for individuals, employees, and students. The company was founded in 1972 by Jeffrey L. Barnes, who is a top provider for Time Insurance Company (Assurant Health). Mr. Barnes qualified for the highly contested and coveted Ring of Honor more than any other agent in the Time Insurance Company’s one 116 year old history.

Currently, JLBG is a pioneer in the burgeoning, consumer-driven health care marketplace through its industry leadership and in its offering of customized and affordable Assurant Health solutions. JLBG is the largest premium volume MGA for Assurant Health, and is most certainly on the rise with other health insurance carriers. The Assurant Health plan company is exclusively endorsed by the National Federation of Independent Business with over 600 thousand small business members. JLBG currently serves over three million association members, 150 thousand individual members, and 1,300 brokers nationwide. JLBG has been specializing in Assurant Health plans for more than thirty years and is licensed in forty-six states and recognized nationally as a leader in the health insurance marketplace.

The Assurant Health plan company of JLBG pioneered the FPP™ (the Fortis Protector Program) in 1993, by offering personalized individual health insurance benefit plans to the staffing industry. The Fortis Protector Program platform has evolved into a full-scale health insurance delivery model with extensive brokerage community backed by an internal call center, back-office support, and high-end proprietary software platforms able to serve a multitude of health insurance solutions to all facilities in the marketplace.

Individuals, such as those who are self-employed, students, and retired persons, need Assurant Health insurance policies in place to have peace of mind in the knowledge that in unforeseen circumstances they can seek and receive medical treatment at any time. An Assurant Health insurance plan should be a major element of any financial plan. JLBG advises clients that unexpected medical expenses for those who are not covered by a plan leaves them vulnerable to financial risk, and in some cases, even financial ruin. One of the biggest causes of bankruptcy is the unexpected medical expenses incurred by illness or accidents.

JLBG can offer a range of individual Assurant Health policies to suit lifestyles, needs, and budgets. Individual Assurant Health policies offer greater flexibility than group policies because only those specific benefits required for the client and/or wife and family are purchased. A group policy may require an employee to pay for maternity benefits when these are never going to be used. Individual Assurant Health plan clients are able to keep their policies when they change jobs or retire for as long as they choose to keep paying their premiums. An additional benefit is that self-employed individuals or students are permitted to deduct 100 percent of their health insurance premiums from their taxes.

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