ABOUT VICTOR

Insurance Specialist Since 1987

I have been advising clients since 1987. I wanted to offer a one-stop-shopping experience where my clients could get ALL their insurance coverage needs with one phone call or visit, hence the name “Insurance Warehouse”.

I developed my practice and approach to assisting clients with their insurance needs by observing and listening to friends, relatives and acquaintances who complained about their insurance agents not contacting them with important information like rate increases, new products that might be better than what they currently had and overall service issues. I looked back on my own personal experiences, (because I have to purchase all my own insurance coverage too), and agreed that I wasn’t receiving top notch attention from my agents either. From this input, I decided that I could and would do better . I developed an approach that put client needs and desires before profitability. My philosophy is simple.

Why are these 2 items so critical? It’s because there are so many different insurance companies offering the same or similar coverages and not all of them operate the same way. It’s knowing how each one works and why it might or might not be the best choice for a client that makes all the difference in the world. Let’s face it, you only need insurance to work after something goes wrong. Not only do you have the physical and psychological trauma associated with the incident, the last thing you want is to have to jump through a bunch of hoops to get your insurance company to pay your claims.

In today’s day and age, keeping up with the latest government information and how it affects your coverage and premiums is paramount for success since the law sets policy and policy sets prices. Each year I travel to Washington and visit with various Senators and Congressmen on Capitol Hill to not only stay informed on what is happening in their world but let them know what needs to be changed, altered or fixed to improve both ACA and Medicare for the US population. I am also a member of the National Association of Health Underwriters that has been asked for its opinion on how to re-engineer Obamacare to make it more efficient, less costly, and user friendly. Many of our suggestions and recommendations have been the subject of numerous high-level conversations but whether Washington fully listens to and implements our suggestions, is unknown at this time. All these efforts allow me to be better informed and prepared to coach my clientele as to what serves their needs in the ever-changing situation than most other agents.

I make sure to know how various companies process claims, what they expect my clients to provide as documentation and then explain this information in understandable English. I also offer to help you go through your claim step by step for a successful outcome if needed. All of this extra attention comes at no charge to you…it’s just part of my service.