January 1, 2010

Q:  I have had a policy with Time Insurance but the rates have gone up astronomically.  We are all in good health, live in CT, and have had no claims on the policy.  What do you recommend as an alternative?

A: The best alternative is Celtic Insurance.  This is a top quality insurance with comparable policy types, including high deductible Health Savings Account plans and "Celtic Basic" plans in most states. The initial rates are lower than Time Insurance in some areas but, more importantly, the renewal rates tend to be more controlled than your current policy. Pricing and application are available directly online but you must be in very good health and provide a have a copy of your medical records in your possession to provide to the underwriter on request.


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