aa health and life quotes HEALTH INSURANCE Affordable rates. $20 copay for Symptomatic Doctor Visits, Prescriptions, and Physicals(CoPays Only) Choice of Deductibles for Major Items. Optional: Dental. CALL: 1-865-675-7240 Basic Health Insurance, Guaranteed Issue as long as you are able to perform the duties of your occupation. BHI - Markel Basic Health Insurance DENTAL INSURANCE This is a new plan that combines dental insurance with a discount network. You can use any dentist for services, if you use network dentists you get discount plus insurance reimbursement. Low premiums. Here is the link for all the information on this new program, available in Tennessee, Virginia and Kentucky. Select Dental Plan New and FreeDrug Card America My name is Jack Guyett and I am licensed in Tennessee, Virginia, and Kentucky for Life and Health Insurance Agent. Total experience in the insurance industry is 14 years. In 1983 received a BSBA from the State University of New York, REDP, Albany, NY. I have been working as an insurance agent in Tenn. for 8 years and have 6 more years experience as an agent in New York and New Jersey. This is the first attempt at a WebPage, so please read this page with a bit of forgiveness. My specialtys are Life Insurance, Health Insurance, Retirement Annuities, and Disability Income. At the end of the page are some definitions, had I realized at the begining that so many would be needed, they would have been alphabetized, rather then helter skelter. NOTES ABOUT INSURANCE RATES: Let me take a moment and clarify insurance rates for you. Insurance rates are set by the home office of an insurance company, then submitted for approval to a states insurance department. If the insurance department approves the rates, and the product then as an agent you are allowed to sell the product in that state. There are no secrets and no discounts. A good example is the advertisements you see on TV for Z Direct and other similar companies, you get the impression from the ads that by calling and talking to a Customer Service Rep over a toll free number you will get a better rate. WRONG!!!!! I am also licensed with this firm, and the rates are exactly the same, whether you deal with the under-educated CSR, or a charming witty well educated individual such as myself (also modest). You can conclude from this that if you are dealing with someone that is promising you a discount or lower price you are being mislead. Rates within a state for a particular company are the same for all agents and agencies. A sharp agent or agencies may be able to mix things up so that it appears you are getting a lower premium, this is usually not the case, you are usually getting less coverage. HERE IS A SECURE LINK TO BLUE CROSS BLUE SHIELD OF TENNESSEE. SORRY FOLKS, TENN. RESIDENTS ONLY. THIS WILL GET YOU RATES AND SECURE ONLINE APPLICATION FOR THE PERSONAL HEALTH PLAN COVERAGE. FOR INFORMATION ON THE TWO NEW LOW COST PLANS, DROP ME AN EMAIL AND I WILL SUPPLY YOU WITH THE INFORMATION. BlueCross BlueShield of Tennessee Individual Products Search the Web HEALTH INSURANCE is a major concern to everyone these days, with many different options open to individuals, families, small businesses and the self-employed. Premium quotes are available from six major health insurance companies, with 16 different plans of health insurance. Since one size does not fit all, I offer potential clients a choice from among these companies that best suits the clients situation. Quotes are free and there is no obligation. Plans range from covering every little detail of your health care to high deductible plans that only cover large scale acute or on going cronic problems. The rates will vary with the type of coverage your desire. You may contact me by phone at 1-865 675-7240 or e-mail your request to me at jguyett2@worldnet.att.net. NEW You can get a premium quote, on four different health insurance plans, from a carrier(insurance company) modify the quote to fit your budget, check for providers on Preferred Provider Plans, and apply on-line directly to the carrier, not the broker. To do this go to HEALTH LINK Qualified individuals and families may get approval in as little as 24-48 hours. LIFE INSURANCE both term(temporary) and Whole Life quotes are free and there is no obligation. If you have seen the advertisments on TV of many of the national brokers, they would have you believe that they are the only source for low cost Term Insurance. This is not the case, you can get the lowest premium for which you qualify, and still have an agent. By the way, the key word is qualify. When you listen to the low premium on TV, they forget to tell you that less than 2% of the population can qualify for the "Super Preferred Ratings" that are advertised on TV Since each companies rates are based on the companys underwriting experience, and their expenses rates do vary a great deal from company to company. DENTAL PLANS There are two types of plans available. One, the discount plan, this offers discounts of up to 40% from regular fees at participating dentists. The plans also offers discounts on prescritptions, glasses, and examinations. This is not insurance and is available in most states. Two, this is an insurance plan with which you can use any licensed dentist. After the deductible is met it will pay for dental services up to the yearly maximum. It is available to individuals, families and groups. This is insurance. RETIREMENT PLANS are also in the inventory. For those of you who would like a better return than is availavble from your local bank, but are not interested in any risk taking, I have just the plans for you. Qualified, non-qualified, lump sum, roll overs, or accumulation. Make contact at 1-865 675-7240 or by e-mail at jguyett2@worldnet.att.net JACK GUYETT Quotations of premiums for health insurance, life insurance and disability income to residents of Tennessee, Kentucky, Virginia, and Pennsylvania.. insurance. If you would like a quotation call, e-mail, or click the mailform and submit the information on the form. TERM LIFE INSURANCE and SENIOR LIFE INSURANCE If you wish, you may apply on-line right now by clicking on the link below. Low Cost Term Life Insurance and Senior Life Insurance Here is a new link for Celtic Life Insurance Company, even though it says life insurance all they only have health insurance. By using the below link you go directly to their site, where you can receive premium quotes, check providers and apply on line. Nothing could be simpler. CELTICARE WEBLINK Do you need short term health insurance to tide you over for a few months, here is the link for that product Celtic Short-Term Medical Insurance URL HERE IS A SECURE LINK TO BLUE CROSS BLUE SHIELD OF TENNESSEE. SORRY FOLKS, TENN. RESIDENTS ONLY. THIS WILL GET YOU RATES AND SECURE ONLINE APPLICATION FOR THE PERSONAL HEALTH PLAN COVERAGE. FOR INFORMATION ON THE TWO NEW LOW COST PLANS, DROP ME AN EMAIL AND I WILL SUPPLY YOU WITH THE INFORMATION. BlueCross BlueShield of Tennessee Individual Products Telephone: 1-865 675-7240. Be advised that this automatically rolls to a voice mail on 4th ring. Mail: aa health quotes c/o J. Guyett 205 Chaho Rd Knoxville, TN 37922 E-mail:jguyett2@att.net Send Us an Email -------------------------------------------------------------------------------- This material and information is intended to provide general information and an overview. None of the materials and information included in the website are intended to be an offer to sell, nor an invitation to purchase any of the products described. Rates are individually calculated and are based upon: Age, Sex, Tobacco Use, Health History, and in the case of Health Insurance the area or zip code in which you reside. All rate quotations are based upon the information you supply, and are subject to acceptance, modification or rejection by the insurance carriers proposed. In some cases a medical examination may be required.

PREFERRED PROVIDER ORGANIZATION(PPO): This is a network of doctors, hospitals, and other medical providers that have agreed to accept less than their usual fee for their services. Insurance companies contract with PPO organizations, pay a monthly fee for each insured that they place in the network. The know fee arrangement lets in the insurance company pass along the savings to the consumer in the form of lower premiums for policies with this option. This varies from carrier to carrier, but in general, an insured is not forbidden to use doctors, and hospitals outside the network, the rate of reimbursement is lower than it would be network services..
SHORT TERM MEDICAL: A Temporary health insurance plan (from one to six months) designed for people who are between permanent health plans.
SMALL GROUP INSURANCE: An insurance policy designed to provide medical insurance, disability income, dental, and life insurance for small businesses. This is available to employer groups of 2-50 employees.
DENTAL INSURANCE: Specified expense coverage that provides benefits for routine dental examinations, preventive dental work and dental procedures needed to treat tooth decay and diseases of the teeth and jaw. This usually requires an elimation period of 6-12 months for other than routine procedures. We now have available a modified DMO style plan, with no waiting period, for individuals, families, and groups, contact us for more information.
TERM LIFE INSURANCE: A life insurance policy that provides a death benefit if the insured dies during a specified period. The correct name for this type of life insurance is Temporary. Apply On line Now with a major company as seen on TV
DISABILITY INCOME COVERAGE: Coverage that provides an income if the insured becomes totally disabled. Policies are available as lump sum payments or monthly payments. Disability Insurance can also be obtained as a rider on certain life insurance policies.
LONG TERM CARE: In the past this was referred to as "Nursing Home Insurance". This is a wide range of health and personal care coverages, ranging from simple at-home assistance to intensive nursing home care for the elderly and insureds who are disabled.
UNIVERSAL LIFE INSURANCE: A type of life insurance that blends cash values and pure death protection together in an infinite variety of ways. It is a type of whole life or permanent insurance. IRS provisions must be met in order for any life insurance policy to be taxed as such.
WHOLE LIFE INSURANCE: A plan of life insurance offering protection the whole of life, proceeds being payable upon death of the insured. Premiums are payable for life or by increasing the premiums for shorter periods of time: i.e. 10yr, 20yr or 30yr.
ANNUITY: An insurance company product that guarantees you a regular income as long as you live or for a certain period of time. While the annuity is building values, taxes on the growth are deferred. An immediate annuity begins paying you within a year. A deferred annuity pays you after a longer waiting period. Fixed annuities are now offering "index accounts", without market risk. Do fixed annuities make sense? Yes, for two reasons: They protect you against dumb, or unlucky investment decisions you might make. And they protect you against living so long that you use up all of your assets.