The purpose of insurance is to protect against an unexpected financial loss.

 When most people think of a benefits package their main focus is often on deductibles and co-pays for items like doctor visits, emergency rooms, and prescriptions. In reality, they are asking insurance companies to pay for the expenses that they could indeed afford if they had to (over insured).

Remember: Insurance companies are in business to make money.They only remain profitable if your premiums exceed your benefits. Most of us never visit the doctor frequently enough to justify the extra premium cost associated with co-pays.

Equate health coverage with auto insurance: You protect your car against major loss and potential liability for other people’s property. You wouldn’t think of covering such things as oil changes or routine maintenance, your premiums would skyrocket! Then why would you consider a $25 co-pay for a $75 doctor visit, when that $50 “benefit may add over $1000 your annual cost? Save money by increasing your deductible and paying the smaller costs that you can afford out-of-pocket.



Fact: The number one cause of small business failure in America today is a major medical event (illness, or injury) of the business owner. Surprisingly, the majority of these people had health insurance. They were actually over insured, yet under protected!

Would your current medical plan replace lost income due to an unforeseen health situation? If not, how long would it be before your family and business were in financial jeopardy? It makes more sense to take the same money you are already spending for minor expenses, and use it instead to insure against cost that would devastate you. You will then avoid bankruptcy and be covered in case of catastrophic loss.
(See Supplemental Plans)
Golden Gates Agency has established partnerships with insurance companies who are among the most highly rated in their respective fields, to protect your financial security. All of which have been chosen for their financial integrity and stellar claims paying records. We provide a personalized analysis of your exposure to risk due to illness, injury or death, and develop a comprehensive, well-balanced plan to address those risks. At the same time we save you money by eliminating coverage for items that pose little or no threat to your financial security.