Susan & Co. Insurance Services
Specializing in Individual & Group Life, Health, Disability and Long Term Care Protection
Susan Pack, Owner
Insuring What Matters Most
LIFE INSURANCE
DISABILITY INSURANCE
Unlike health Insurance which covers medical procedures and recovery, a disability policy is a necessary supplement to pay for your everyday bills and living expenses. If you become sick or injured and cannot work, disability insurance provides a monthly benefit to safeguard you against the risk of missing payments on your mortgage, utilities, car and other bills. Around 1 in 4 people will become disabled before they retire. Your ability to earn an income is typically your largest asset. Disability income protection is “paycheck protection” and protects your day-to-day expenses if you can’t work for an extended period of time. Let’s talk!
LONG-TERM CARE INSURANCE
HEALTH INSURANCE
Navigating through the vast array of health insurance options can be very confusing and at times stressful. Don’t continue living without insurance or with a policy that doesn’t fit your needs. We are here to do all the groundwork and take the mystery out of obtaining health insurance by providing solutions for individuals and businesses. Lean on us. We take what may seem like a daunting task and turn it into a favorable experience through thorough fact-finding, research, and education as it relates to healthcare options. We realize that not everyone’s health insurance needs are the same and offer a wide range of benefits and carriers to help individuals, families and small business owners meet their objectives. Let’s talk!
Let Susan Ease Your Fears
Susan will take away the common fear of not understanding insurance. She meets you wherever you are at when it comes to your level of understanding.
Susan will provide the gift of knowledge in offering insurance options that will provide you with immediate peace of mind so that you won’t experience the devastating side of doing nothing or taking no action.
Do not let fear stand in the way of getting the protection you need for you, your family and/or key business partners/colleagues.
Susan will help take away your fear of the unknown as it relates to insurance.
She is an educator not a salesperson and will offer as much assistance as you need her to bring to the table.
Susan prides herself on swift response times.
Life can come at us fast, so the key is to get the protection before you need it and while you are insurable.
Susan offers pleasant, knowledgeable interactions while being respectful and mindful of your specific timeline in which to accomplish your objectives.
Chose from multiple offerings that are available from a variety of carriers.
She helps clients eliminate their fears of running out of money, especially when they need it the most.
Susan is here to help in any way she can regarding your insurance needs!
Why work with Susan?
Choice
Susan is an experienced, licensed insurance broker which means that she represents almost all “A” rated life, health, disability and long-term care insurance companies for your individual, family, and business needs. Susan is not a captive agent representing just one insurance provider. What this means to you? Susan has absolutely no loyalty to any one carrier!
Transparency
Susan believes in transparency, education and paying attention to the bottom line. She is here as a resource, to lighten your load, and navigate you through the complicated world of insurance with a knowledgeable, stress-free experience.
Loyalty
Susan’s loyalty will always remain with her clients first and foremost, in turn, doing whatever it is that is in her client’s best interest.
Susan will take care of doing all the legwork for you so that you do not have to. She goes the extra mile and will ensure that every option will be considered.
She is with you every step of the way, especially as your needs evolve and shift.
There is absolutely no cost to utilize Susan’s services. Should she place any business with an insurance provider on your behalf, the insurance provider will in turn compensate her.
Finding the right insurance solutions to meet your needs and bringing you peace of mind is her sole goal.
Welcome to Susan & Co. Insurance Services!
About Susan
Susan Pack is an Insurance Professional with over 20 years of experience in the insurance industry specializing in individual & group health, life, disability, and long-term care protection. Her offices are in Scottsdale, Arizona. However, she has clients statewide and will happily meet you via teleconferencing or in person. Susan enjoys spending time with her two children, family, and friends. Susan also enjoys live music, photography, cooking, fashion, sporting events, beaches, travel, self-care, and focusing on ways to make this world a better place. Her goal is to always make a positive impact in at least one person’s life each and every day.
Live so that when your children think of fairness, caring, and integrity, they think of you.
– H. Jackson Brown, Jr.
FAQs
What makes you different from other Insurance Professionals?
Susan does not work for one insurance provider alike many insurance professionals, she is a broker which means she represents almost all insurance providers. This allows her to comparison shop and do all the legwork on her client’s behalf. She researches all viable options and provides the most appropriate product recommendations to meet her client’s specific goals while always being cognizant of the bottom line.
Does it cost anything to utilize your services?
No. There is never a cost to utilize Susan’s services. Should she place any business with an insurance provider on her client’s behalf, the insurance provider will in turn compensate her.
How much does a disability income protection policy cost?
Generally, an individual long term disability policy costs about 1% to 3% of your annual salary. The amount you can expect to pay will depend on several factors such as waiting period, benefit period and the monthly benefit amount you purchase. The amount you can purchase will depend on your earnings.
How long will it take for me to get approved for a life, disability income or long-term care protection policy?
The underwriting process can take anywhere from 2 weeks to 5 months depending on the amount of information that the underwriter needs to gather and how quickly they receive the information from outside sources. On average, the process usually takes about 2 months start to finish.
How do I know how much life insurance I need?
The short answer is generally 10 times your annual income. The long answer requires answering some questions such as:
- Does anyone depend on you financially?
- How much annual income would you need to replace if something were to happen to you?
- How many years would your family need to replace your income and the services you provide if you died suddenly?
- How much debt do you have?
- How much money do you want to provide for your children’s education?
Can I enroll my family in an Affordable Care Act (ACA) plan via the Marketplace anytime of the year?
No. The annual Open Enrollment Period for individuals and families begins November 1st through December 15th for a January 1st effective date each plan year. There are no medical questions, and all pre-existing conditions are covered. If you miss this window of opportunity you will need to wait until the following year’s Open Enrollment period unless you have a Qualifying Event (ie. life events including losing your group health coverage; moving, getting married, having a baby, adopting a child, divorce or if your household income is below a certain amount). A QE will be the only exception to garner ACA coverage outside of the Open Enrollment period.
What is involved to see if I qualify for life, disability income or long-term care protection policy?
As a general rule of thumb, a driver’s license is needed to confirm eligibility during the application process. In addition, the insurance company may ask an independent examining company, at no cost to you, to schedule a convenient time to complete your medical history as well as take your vitals (height; weight; pulse; blood pressure). Depending on the type and amount of coverage a urine sample, blood draw and resting EKG may be required. Sometimes a phone interview is all that is needed.
How many employees do I need to qualify for a small group health insurance policy through my business?
A business needs at least one qualified full-time W-2 employee, besides the business owner, to qualify for a group health insurance plan. Unlike the ACA individual/family plans that are only available from November 1st until December 15th for a January 1st effective date, small business owners can enroll in a group health plan anytime of the year with no pre-existing conditions for any participants.
What Susan’s Clients are saying
“I have worked with Susan & Co. Insurance Services for many years. Susan Pack is the most helpful and professional agent you can imagine and is very responsive to our needs. From health insurance for our trucking business to personal insurance needs, I can count on her advice for the best coverage and rates. I truly feel she is there for us. It is a pleasure to work with her!”
– Terry P.
“Susan is truly the best. A few years ago, I needed health insurance. I was a single 60-year-old man with substantial pre-existing conditions. An individual plan was cost prohibitive. I owned a small business with 3 employees, each having a family. After extensive research, Susan solved my problem by finding a tremendous low-deductible group plan with a reputable provider that cost less than an individual plan. I could not believe it, it was a no-brainer. I gave my employees free health insurance, but I was the one who also reaped the benefits due to now having all my pre-existing health concerns covered. I was ecstatic…and of course my employees were too!”
– Mark H.
“Susan has been my agent for over 2 decades. She listens closely as I discuss my specific needs and has consistently recommended products that always represent my best interests. While we are not related in any way, she treats you like family!“
– Teri K.
“I engaged Susan to help me with long-term care protection. It was my first time going thru the process and Susan was great! She was professional, knowledgeable, communicative, and also very warm and caring. I always felt she had my best interests in mind. I wouldn’t hesitate to recommend her to anyone interested in her services!”
– Valerie T.
“Susan has been my insurance agent for Life and Disability Insurance for about 25 years. It is very clear she is most concerned about her clients and what is in their best interests. She will give you the best advise and goes above and beyond to meet your goals in a timely fashion. I have been so happy to have had Susan in my corner for all these years to make sure I had the protection that I needed. She always is so quick to respond to any questions that I have as well and continues to bring me peace of mind.”
– Yvette T.
– Dr. & Mrs. M.
– Andrea M.
