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 At
Ramsgate Consulting we are dedicated
to providing our clients with the most
personalized level of service that can
be found anywhere. We have specialized
in group health insurance plans in California
since 1990. We also provide individual
health insurance plans and family health
insurance plans. We are a California
based company working for Californians.
We offer group vision insurance plans
for businesses with five or more employees
and dental insurance plans for businesses
with two or more employees. For businesses
with less than two employees and for
individuals and families, dental insurance
is available on an individual basis.
Additionally, since 1985, we have been
assisting our clients in selecting term
and/or cash value whole life insurance
for their individual and family needs
as well as for business needs such as
buy-sell insurance, key-man insurance
and deferred compensation funding.
Our mission statement includes treating
each client individually as though he/she
were the most important client to our
company. We start by ascertaining your
unique insurance needs and then search
through the leading insurance carriers
for the policy that will best fulfill
those needs. It is not enough to provide
you with a brief sketch of 15 or 20
different insurance plans and leave
you to figure out which one would be
the best for you based on nothing more
than comparing a premium quote coupled
with deductible amounts and co-pay percentages.
There is so much more to selecting an
insurance plan and a carrier. How long
has the carrier been in business? What
is the carrier's record for the timely
payment of claims? How difficult is
the underwriting process? How strong
is the carrier financially and will
it be in business if and when you need
it to make good on the policy and pay
your provider's claims? The true cost
of an insurance policy is so much more
that merely the premium!
At Ramsgate Consulting our agents won't
bury you in quotes and options. We
will, based on your specific needs,
provide you with information on the
2 or 3 insurance plans we believe best
fill those needs and guide you through
the maze of establishing your plan.
That is, after all, what you need an
agent for. And, speaking of what you
should expect from your agent, there
are invariably problems that periodically
occur with all carriers in the payment
of claims, especially health insurance.
Our agents ---- no, your agent --- will
be available to help work with you and
the carrier to resolve any claims problems,
should they occur. Moreover, medical
insurance rate increases are aggravating
but an unfortunate fact of life. When
they are announced, we will review your
medical insurance plan, compare it to
competing plans of similar design and
contact you with our recommendations
to stay with your current plan, switch
to a different plan offered by the same
carrier or move to a different carrier
entirely. While you should always be
responsible for your personal well being,
we at Ramsgate Consulting believe that
it is our responsibility to stay in
touch with our clients and keep them
informed of their best options.
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We
invite you to browse the rest of our
site and, if you would like a real live
person to help you through the maze
of medical insurance, dental insurance,
vision insurance or life insurance,
please complete the short questionnaire
attached to the page of interest to
you. We will provide you with our recommendations
by e-mail, regular mail, fax or phone
at your choosing.
The
information on this site is intended
for the use of individuals, families
and groups domiciled in the state of
California only.
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