General Questions
Does it cost more to use an agent?
No. You will pay the same rates whether you go direct to the insurance company or if you have an agent act as your ombudsman. As agents, we act as a liaison between you and the insurer, making the enrollment process and further service process more understandable, personal and successful.
What products do you offer?
Teague is a one-stop-shop insurance brokerage firm that writes policies for
- Employee Benefits
- Group Medical Plans / Group Health Insurance
- Whole Life
- Term Life
- Universal Life insurance
- Dental insurance
- Vision
- Disability
- Property & Casualty insurances (business liability, workers compensation)
through our sister company, Teague Insurance
Where are you licensed to do business?
Teague is licensed to sell insurance in the state of California
Where is your office located?
Our office is located on the 4th floor at 4700 Spring Street, La Mesa, CA 91941 (See Map). Located between Interstate 8 and Hwy 94 freeways in beautiful downtown La Mesa.
Why choose an independent agent?
An independent agent will shop most of the reputable carriers for you and help your application through medical underwriting. When your plan renews, the independent agent will review the terms of renewal and present other options without the bias of a captive (one carrier) agent.
Group Medical and Group Health Insurance
Will health insurance rates continue to go up?
Most likely, as we as a population continue to demand better/more health care, more costly treatments, and more costly prescriptions.
What can we do about it? As consumers, we can ask about the cost of treatments and their efficacy before starting the treatment; we can get additional opinions, even if it means paying a bit more out of our pocket, and we can follow AMA guidelines for maintaining optimal health.
Why are the additional costs for dependents so high? Wouldn't a separate individual plan be less expensive?
Dependents, when added to your group health insurance plan in a "timely fashion" are added regardless of health conditions. Often individual health insurance is less expensive if the dependents are quite healthy. Call Anjel at 619-668-5200 X208 for more information. She may be able to help with enrollment into a government-sponsored plan for eligible dependents.
