Frequently Asked Questions

What are the directions to get to your office?

ANSWER: Our office is located at 6340 Glenwood St.,

Overland Park (Shawnee Mission), KS 66202-4008.

What are your office hours?

ANSWER: 9:00 AM - 5:00 PM Monday through Friday except major holidays and by appointment.

Claims

What happens if I have a claim after business hours?
ANSWER: Some our companies have direct reporting. Normally these numbers should be used when you are unable to reach us at the office:

Safeco Claims:1-888-557-5010

Progressive:1-800-274-4499

Auto Insurance

What if I'm in an auto accident and sued for more money than my policy protection?

ANSWER: Planning ahead is the key here. Before a claim higher policy limits are generally available to purchase. Once a claim occurs you're probably out of luck. Some people purchase a Personal Umbrella policy which can provide for an additional $1,000,000 coverage that fits over the top of their Auto and Homeowners policies.

Auto Insurance

What happens if I'm in an auto accident and my car is in the shop, how do I get around?

ANSWER: Most of the companies we represent provide RENTAL REIMBURSEMENT as an option on their auto policies at a very modest price.

Homeowners Insurance

How can I make sure that my home is insured for an adequate limit of coverage?

ANSWER: We can provide an estimate of your home's value.

Life Insurance

How much life insurance should I get?

ANSWER: If you have a family, most experts agree that a policy worth 5 to 10 times your annual salary is a wise investment. However, many individuals choose to purchase a higher amount.

What you should know about HIPAA?

ANSWER: HIPAA is the Health Insurance Portability and Accountability Act of 1996. Passed by Congress in August of 1996; it was effective July 1, 1997. HIPAA provides certain Americans guaranteed access to health insurance coverage regardless of existing health conditions.

If all of the following statements apply to you, you are an Eligible Individual under HIPPA and you qualify for guaranteed access. As of the date on which you apply for coverage:

1. You have had prior creditable coverage for a period in the aggregate of 18 or more months and your most recent prior Creditable Coverage was under a group health plan, governmental plan, or church plan (or health insurance coverage offered in connection with any such plan);
2. You are not eligible for coverage under a group health plan, part A or part B of Medicare, or Medicaid (or any successor program) and do not have other health insurance coverage;
3. Your most recent coverage within the coverage period described in paragraph (1), above, was not terminated based on nonpayment of premiums or fraud;
4. You were offered the option of continuation coverage under a COBRA continuation provision or under a similar State program, and you elected such coverage and have exhausted such continuation coverage under such provision or program.

Creditable Coverage means, with respect to an individual, coverage of the individual under any of the following:

1. A group health plan.
2. Health insurance coverage.
3. Medicare
4. Medicaid
5. Health insurance plans for members of the U.S. Armed Forces and their dependents.
6. A medical care program of the Indian Health Service or of a tribal organization.
7. A State health benefits risk pool.
8. Health insurance plans for employees of the U.S. Government and their dependents.
9. A public health plan (as defined in regulations).
10. A health benefit plan under section 5(e) of the Peace Corps Act (22-2504(e)).

A period of Creditable Coverage shall not be counted if there was more than a 62-day period during all of which the individual was not covered under any Creditable Coverage.

Eligible Individuals are the only people who have guaranteed access to health insurance under HIPAA. HIPAA requires health insurance carriers to allow guaranteed access to certain plans, at the carrier's election (Federal Fallback), unless a state adopts an Alternative Mechanism. Under HIPAA, Alternative Mechanisms include high risk pools, guaranteed issue requirements for one or more plans and other methods to assure the access requirements of HIPAA are followed.

Generally states have created risk pools or adopted Federal Fallback positions. In states which have adopted risk pools as an Eligible Individual you have 62 days (Eligibility Period) from the date your last employer-sponsored coverage terminated to obtain coverage through the pool. IF YOU FAIL TO MAKE APPLICATION TO THE POOL IN THE REQUIRED TIME PERIOD, THE POOL DOES NOT HAVE TO PROVIDE COVERAGE.

Courtesy of the American National Family of Companies.

If you have more questions? Call us at 913-362-9300.

Here are some links with valuable information.

Insurance Information Institute
     Non-profit organization which provides a wide variety of information about insurance products.
Life and Health Insurance Foundation for Education
     Non-profit organization with plenty of information about life and health insurance.
Insurance Institute for Highway Safety Highway Loss Data Institute
     This non-profit organization has information about automobile crashworthiness and car safety.
HCFA Agency
     The homepage for the Health Care Financing Administration, the federal agency responsible for Medicare and Medicaid.
Standard & Poor's
     Standard & Poor's insurance ratings service analyzes the financial strength of thousands of insurance companies.
Flood Insurance
     The National Flood Insurance Program homepage has information about flood insurance coverage.
American Lung Association
     Non-profit organization which provides valuable information regarding air quality including allergy information, local air quality ratings, and data/statistics related to air quality and other health issues.
NADA Guides
     New and User auto values by year and make
Johson County KANSAS GOVERNMENT
NHTSA--National Highway Traffic Safety Administration
     Vehicle and equipment safety information as well as traffic safety, recalls, and child safety issues.
Safe America
     "Cyber Safety Network" educates parents and youth to the ways of safely navigating the internet.
Emergency Preparedness Information Center (Epicenter)
     The Emergency Preparedness Information Center website.
Federal Emergency Management Agency (FEMA)
     The Federal Emergency Management Agency -- FEMA -- is an independent agency of the federal government that works to reduce risks, strengthen support systems and help people and their communities prepare for and cope with disasters regardless of the cause.

Serving Kansas and Missouri cities for over 80 years.
Basehor, Bonner Springs, Countryside, De Soto, Edgerton, Edwardsville, Fairway, Gardner, Kansas City, Lake Quivira, Lansing, Lansing, Leavenworth, Leawood, Lenexa, Linwood, Merriam, Mission Hills, Mission Woods, Mission, Olathe, Ottawa, Overland Park, Prairie Village, Roeland Park, Shawnee, Spring Hill, Tonganoxie, Westwood Hills, Westwood, vondale, Belton, Birmingham, Blue Springs, Buckner, Claycomo, Excelsior Springs, Gladstone, Glenaire, Grain Valley, Grandview, Greenwood, Harrisonville, Houston Lake, Independence, Kansas City, Kearney, Lake Lotawana, Lake apawingo, Lake Waukomis, Lake Winnebago, Lee's Summit, Levasy, Liberty, Lone Jack, Missouri City, North Kansas City, Northmoor, Oak Grove, Oaks, Oakview, Oakwood Park, Oakwood, Odessa, Parkville, Peculiar, Platte City, Platte Woods, Pleasant Hill, Pleasant Valley, Randolph, Raymore, Raytown, River Bend, Riverside, Sibley, Smithville, Sugar Creek, Unity Village, Weatherby Lake, ...