Custom Insurance

Personal & Business Insurance in Southern California


The Value of Facebook, Twitter, Instagram, and LinkedIn

Social Media

Hi readers, this week we are introducing something that we would like to have every month: A guest blogger. Albert Medina is a Computer Technician located in the South Bay and he has helped me and my business stay up to date on website technology and social media websites. Today he will be writing about the Value of Social Media sites such as Facebook, Twitter, Instagram, and LinkedIn.

Hi, my name is Albert Medina, I am 30 years old from the Los Angeles area, now living in the South Bay. I own Southbay Computer Services in Hawthorne, California and I have over 15 years of experience in the computer and internet world. Now that you know who I am, I want to talk about what the value can be behind having a social media page. Keep in mind that you should be responsible when using public forums such as these, and I recommend that parents spend time with their kids on the computer to teach them.

Facebook is known as the place for friends and family. This is a great place to get news that your friends and family share. I think of this as a more intimate place to explore relationships. Find out about local events, businesses, and even ways to save money. Use privacy options to share only what you feel comfortable sharing about yourself. Facebook makes it easy to share photos with your friends and has a great app for smart phones. Recently it has become essential to have a Facebook account if you are involved in any groups as they are moving away from using email to notify members.

Twitter is a great place to meet new people and share ideas with them. Think of this as a wall to broadcast your ideas. I want to share a great example of someone I was interested in following on Twitter recently. @HiddenCash was spreading money around the L.A. and beach areas. I found out about it on the news. I was able to subscribe and get live updates about new locations to find free money. This works great as long as you have something very interesting to share with your audience. You will get people tweeting about you and following your updates. Very useful.

Instagram is the place to be mobile and share photos in a true sense of the idea. This is all about the images and the stories they tell. You know what they say, a picture is worth 1000 words. Instagram popularity is through the roof with celebrities sharing great stuff and companies are getting on board trying to tune into the lifestyle of it’s customers. The concept is simple. Follow people that you like and they will share their photos with you. You often find great comments and conversations about the photos too, and it’s easy to know how popular a photo is by looking at how many people ‘Like’ the pic.

Lastly I want to talk about the most professional social media on the web: LinkedIn. Linked In is fast growing and for good reason now that they have redesigned their website with tons of features. Would you be surprised to learn that people are getting jobs by posting their resume on LinkedIn? That’s the reality of job hunting in 2014. If you are a business-oriented person then look no further than this social site. People can vouch for your job skills and you can communicate easily with new and existing professional individuals. Here you can have a living resume and portfolio that you can keep building and growing upon as you grow.

Here at Custom Insurance we want to bring you information that will be helpful in your everyday life. We hope this article on the Value of Social Networks was helpful to you. We look forward to have more guests, once a month, who will bring their insight, knowledge, and expertise to the Custom Insurance Blog. That’s all we have this week, please like, comment, and subscribe. We will have a great post ready for you next week!


A Third Of Americans Are Retiring With Less Than $1000 Saved

Americans Retiring With Less Than 1000

Would you be shocked to know that more than a third of Americans are retiring with next to nothing in their savings accounts? Research indicates that people aren’t even thinking about their life savings. Over 35 percent of survey responses indicated that they have less than $1,000 saved in the bank. That includes personal savings and investments. 60 percent of people reported less than $25,000. This is nowhere near enough to be comfortable after retirement.  Only 1 in 2 people actually calculated how much they would need to retire on to live a comfortable life, how they are used to living.

Retirement experts agree that workers need to save at least 10 times the salary they earn in their last year of work in order to retire with enough money to be comfortable. The truth is that more than half of people expect to or will have to continue to work after retirement age. There is a trend in companies to offer an unsure and high fee IRA (Individual Retirement investment Account). Today, if a company even offers any form of retirement plans to workers, they tend to be in the form of an IRA.

Often called a 401K, an IRA does not require companies to contribute anything at all to their employee’s retirement plan. Let’s say that again because it is so important. Companies are not required to contribute anything to a worker’s retirement when they have an IRA. What companies would rather do is set aside part of the worker’s salary. Sometimes an employer will match the payments of a retirement plan, but they do not have to. We are facing a difficult situation with people so far in debt they can not recover, and nothing saved for emergency or retirement.

What can you do to protect yourself? Work with an expert to grow your savings and investments. Explore retirement options with your employer. Focus on debt reduction before it gets out of control. Educate yourself on why it is important to secure your future.


Custom Insurance on Yelp!

Custom Insurance on Yelp

We would like to take a moment and feature one of our fantastic 5-star reviews as seen on Yelp!

Loren is one of the best independent health care insurance agents we have ever met! She is so caring and knowledgeable you always get the very best quote possible. She is able to assist with dental and vision as well. It is time to get a quote!
Jamie via Yelp

For those of you that are not following us, please take a moment to check us out on Yelp!

Check us out on Yelp!


Health Care Reform: What you need to know.

California Health Care Reform

Welcome back to the Custom Insurance blog. This week we are talking about California Health Care Reform: What you need to know!

Who are California’s Uninsured Population?
(By Ethnicity)
Who Are California's Uninsured Population?

2015 Annual Open Enrollment Period

  • Under CA law, the 2015 annual open enrollment period is October 15th– December 7th, 2014.
  • Under Federal law, the 2015 annual open enrollment is defined as November 15th, 2014 – February 15th, 2015.
  • CA legislation is pending to make the CA open enrollment dates consistent with Federal.

Important information about Open Enrollment: One can only get health insurance during the open enrollment dates. After the open enrollment period you must meet these qualifying events to get coverage before the next open enrollment period.

  • Loss of Essential Health Coverage: If you lose, or have one of your dependents lose health coverage that meets minimum government standards. Voluntarily quitting other health coverage or being terminated for not paying your premiums is not considered loss of coverage.
  • Change of Family Structure: If you gain a dependent or become a dependent because of a marriage, death in the family, birth or adoption of a child.
  • Change Citizenship Status: If you become a U.S. citizen, national, or gain lawful status in the U.S.
  • Experience Government Error: If you lose, change or enroll in coverage because of an error committed by an officer, employee or agent of the Exchange or the Department of Health and Human Services as determined by the Exchange.
  • Change Subsidy Eligibility: If you are determined newly eligible or newly ineligible for subsidies (advance payments of the premium tax credit or cost sharing reductions). Call coveredca.com for details.
  • Move to a New Coverage Area: If you permanently move to a new area and gain access to new qualified health plans.

2014 Federal Poverty Guidelines

This chart will let you know if you can qualify for Medi-cal or Subsidy under the ACA.

Federally facilitated marketplaces will use the 2014 guidelines to determine
eligibility for Medicaid and CHIP (this is effective February 10, 2014).

2014 Federal Poverty Guidelines

I want to help you understand these important Health Care Reform details. If you have any questions, please ask in the comments by click on the title of the post and scrolling to the comment section below. Until next week!

Custom Insurance Blog


Custom Insurance Blog Introduction

 

Hi Reader!

Welcome to the Custom Insurance Blog! I want to tell you three things: Who I am, What my company is about, and What we are we going to cover in this blog in the coming weeks. Please take a quick read below:

My name is Loren Levy. I have 28 years of experience in the Insurance industry serving the South Bay (Los Angeles, California). I am a broker and I represent all of the best insurance companies in the area. I am a graduate from Pepperdine University  I will be offering expert advice in the areas of Life Health Insurance, Disability Insurance, Annuity’s (Insurance Payments), and Auto and Home Insurance. I love to help people, and my goal is to help every family that I can.

My company is Custom Insurance. I’ve been helping individuals and families find insurance solutions since 1986. Custom Insurance is not owned by any insurance company, therefore we provide objective information directly to you. Custom Insurance transferred from my head to my heart when I delivered my first death insurance claim to a family that lost their little girl at age 6. When I walked in the door I realized nothing would bring back this little girl, and as the mother hugged me and I handed her the $10,000 death claim,  I realized this was my calling. That is why my philosophy is no family left behind.

Now I am sure you are interested in finding out some of the topics we will be covering in this blog. There are too many to list, but I will start by saying this blog is here to explain the complex world of Insurance. We will use easy to understand words and provide the definitions for insurance industry terms. We will cover what to look for in an insurance company, hard-to-place insurance including per-existing conditions, the pitfalls of a wrong insurance plan, and we will also cover how to cut up your credit cards and manage debt. Our goal is to inspire our readers, and to help them navigate through any insurance hurdles they may have. So if you have a question, leave it in the comments and we will do our best to answer your questions.

Please subscribe to us for a wealth of free information. We will be releasing a NEW blog post every Monday!

Loren K. Levy
Custom Insurance Blog


Welcome to Custom Insurance, Rancho Palos Verdes

Custom Insurance in South Bay

Custom Insurance in the South Bay

Custom Insurance is a business-to-consumer insurance agency that delivers Web-based, insurance information to individuals, families and small businesses who are in need of insurance information. We help clients successfully navigate through the seas of choices without confusion in personal and business insurance. We work hard to partner with insurance companies that best reflect the values we have developed since 1986: the best choices, the best service, and the best in reliability.

We are committed to staying informed about changes in insurance offerings and legislation so that the interests of our clients are always served. We want our clients to know that when they work with us, they are taken care of – and we really mean it! Custom Insurance looks forward to our continuing relationships with satisfied clients, and to continue serving the South Bay community.

Please call us at (310) 547-9552 with questions or for help with your insurance.

Visit us at http://www.custominsurance.org for more information!