If others are depending on you, then you understand the need for life insurance. Our AVMA GHLIT Family Group Term Life Plan offers you the opportunity to purchase valuable coverage at competitive group rates. For a limited time, we are also making it available on a guaranteed issue basis. That means there is no medical underwriting.

In celebration of a 20 year partnership between New York Life Insurance Company and the AVMA GHLIT, the AVMA GHLIT will guarantee issue to eligible members $50,000 of coverage. The guarantee issue can be especially important for members with medical issues that might make it difficult to otherwise obtain coverage.

There’s never been a better time to purchase life insurance, or add to coverage you already have. But don’t delay. This special offer is valid for a limited time only and your application must be received by the Trust Office no later than June 30, 2012.

DOWNLOAD BROCHURE>>  |  DOWNLOAD APPLICATION>>

Who is eligible for this special offer?

If you are an AVMA member under age 55 residing in the United States working full-time (at least 20 hours per week) and have never been declined for GHLIT coverage, you are eligible for the Special Guaranteed Issue Offer of Family Group Term Life Coverage to celebrate the 20th Anniversary of the partnership.

How much coverage is available through this special offer?

You may apply for member coverage of $50,000* if you are under the age of 55.

(See above brochure for full details)

Come visit our booth at the 2012 VVMA Conference, February 23-25, at the Hotel Roanoke (Get Directions)

• Download the 2012 VVMA BROCHURE
  
• Visit the VVMA Site for all Details

Start Time/Date: 6:00 PM Thursday, February 23, 2012
End Time/Date:  5:00 PM Saturday, February 25, 2012
ADDRESS:  The Hotel Roanoke & Conference Center
110 Shenandoah Avenue - Roanoke, VA 24016

Be sure to visit our website for your insurance needs at www.DVM-Insurance.com
We look forward to seeing you!

Michael O’Brien

For years, Michael O’Brien has been helping people find the right health coverage – and get the most for their healthcare dollars. If you’re ready to view popular plans online, get your free quotes now. If you’d like to talk about your options, please contact us. Our service is free, and it doesn’t stop once you purchase a plan. You’ll get our expert advice and help through every step of owning a health coverage policy.

Visit our Anthem BlueCross BlueShield website to compare quotes online, FREE and at no obligation at all. Try it now! >> www.anthem.obfs.net  

Start your quote right now or drop us a line at michael@obfs.net or 703-654-6050

O’Brien Benefits & Financial Services, Inc.

DVM-Insurance.com ~ Web site dedicated to Insurance for Veterinarians!

P.O. Box 2636, Purcellville, VA 20134 | P: 703-654-6050 | F: 703-654-6051

Students of Veterinarian Medicine!
Are you turning 26?
Are you about to come off your parents plan?
Are you looking for better health care coverage?

Take advantage of the benefits you have earned, and deserve, exclusively for Students of Veterinary Medicine!

DOWNLOAD THE “Student PPO Program / Life & Disability” Handbook FREE. Click Here>>

The PPO Medical Plan Exclusively For SAVMA Members
Quality health insurance is one of the most important purchases anyone can make. Without it, even less severe illness or injury can devastate a family’s financial security. That is why this Student PPO Plan has been designed to be truly affordable for student members and their families, thanks to the group purchasing power of AVMA members across the country. Our Student PPO Plan is the ONLY plan that was designed by veterinarians for veterinarians!

It is truly affordable, and is tailor‐made for veterinary students’ needs:

Health Insurance – The UnitedHealthcare Options PPO Network
Lowest available GHLIT in‐network deductible ‐ $250

• $20 co‐pay for in‐network doctor office visits, annual mammograms and gynecological exams
• $10 co‐pay for eligible generic drugs with tiered co‐pay plan
• $2,000 of eligible prescription expenses covered in a calendar year
• Maternity benefits
• Coverage for rabies titer

Hospital Indemnity Plan – Our Hospital Indemnity Plan can provide extra cash when you need it most – during covered hospitalizations. If you’re hospitalized, the plan pays a daily benefit you can use however you choose:

• to cover the cost of your health plan’s deductible -or-
• co-insurance, pay for a private room

Life and Disability Plan Insurance – Quick Processing & No Medical Underwriting

• $500-A-Month Disability Income Protection
• $100,000 of Group Term Life Insurance
• Up to $2,000 Special Semester Benefit

SCAVMA members can take advantage of the following rates (valid starting May 1, 2011):

• Student Plan……………………..……..$174.00
• Spouse Coverage………………….…..$174.00
• Child(ren)………………..……………….$161.00

COMPLETE A FREE, NO OBLIGATION QUOTE REQUEST NOW! Click Here>>

For more details about this program and more, visit www.DVM-Insurance.com TODAY!

———-

We specialize in Insurance for Veterinarians! We can help!

O’Brien Benefits & Financial Services, Inc.

DVM-Insurance.com ~ Web site dedicated to Insurance for Veterinarians!

P.O. Box 2636, Purcellville, VA 20134 | P: 703-654-6050 | F: 703-654-6051

Quick Links:  Veterinarian Insurance | Health Insurance | Life Insurance | Disability Insurance | HSA’s | Group Insurance

Make sure you can afford the payments

Make sure you can afford the payments or your policy could be cancelled. Consider the cost and your future potential to make the payments to avoid a lapse in coverage.

Lifestyle Impacts Cost

You will pay a higher premium if you engage in a risky lifestyle. Smokers often pay more than non-smokers. This is because smoking is considered a high risk due to the possibilities of lung cancer and early death.

Age will effect your policy cost

Growing older effects your policy cost. You may not receive the same low rate you were eligible for when you were younger.

You Should Reassess Your Plan Frequently

As your life changes, review your plan. Make sure it is large enough to help your family with your current debt and living situation.

The Death Benefit Can Be Used for Anything

Mortgage, rent payments, funeral costs and many other things can be payed with the money from the death benefit.

You Must Divulge Previous Medical Conditions to Your Insurance Company

Lieing on your application to reduce your rate can come back to bite you. Be honest when applying to avoid policy cancellation.

A Career Change May Require a Plan Change

When changing careers, consider having your plan re-evaluated. The risk of your job may demand a different type of policy.

There Are Policies of Various Sizes

Policies come in a multitude of sizes. Some policies can pay up to 1 million or more.

Your Death Benefit Will Go to Specified Beneficiaries

Make sure you indicate a beneficiary. This is important, to make sure the funds are dispersed to the correct person.

The Benefit Can Be Paid Out in Various Ways

Consider the best way to have your policy pay the money out. Lump sum and multiple payments over time are all ways your beneficiary can receive the pay out.

Call us today to find out how you can get a free, no obligation evaluation of your existing policy to see if you could be saving money on your insurance plans.

Thanks!

Michael O’Brien

 Michael P O’Brien, CBC

 www.obfs.net - For Online Quotes – Health Insurance

www.DVM-Insurance.com  – Insurance for Veterinarians

PruTerm WorkLife 65

Life insurance protection for your working years – all the way to age 65

The years when you are working and raising your family are the years when mortgage and education expenses are greatest—and you have the most to protect. PruTerm WorkLife 65, from Pruco Life Insurance Company, provides affordable coverage designed to last through this critical time—with a combination of special benefits you won’t find from any other leading insurance company. Find out more >>

 A smart solution for today’s economic reality,

PruTerm WorkLife 65 offers you:

• Life insurance protection until age 65—no matter when you buy the policy.
• Forty years of coverage, if you purchase the policy at age 25.
• Affordable premiums that stay the same to age 65—guaranteed. For example, a 40-year-old male who qualifies for Preferred Best underwriting could own a $250,000 policy for less than $35 a month for the next 25 years.
• Built-in premium payment protection if you lose your job or become disabled. See conditions and limitations below.
• Guaranteed conversion to a permanent life insurance policy, without a medical exam.
• Coverage from a trusted name that offers Rock Solid^® financial solutions.

Find out all the details on this great product! Click Here >>

Thanks!

Michael O’Brien

 Michael P O’Brien, CBC

 www.obfs.net - For Online Quotes – Health Insurance

www.DVM-Insurance.com  – Insurance for Veterinarians

Individual and Family Health Insurance

Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, as opposed to employer groups or organizations.

Given the option, most people would prefer to have their employer provide group health insurance coverage. But if this is not an option for you, it is still important for you to seek coverage. You may be pleasantly surprised with the variety and affordability of the individual and family health insurance options available. Visit www.OBFS.net or call us at 703-654-6050 to find out which plans are right for you.

Types of Plans

Individual and family health insurance plans are usually described as either “indemnity” or “managed-care” plans. Put broadly, the major differences concern choice of healthcare providers, out-of-pocket costs, and how bills are paid.

For an instant online health insurance quote for you or your family, please use our Request a Quote form, or you can go directly to the links below for quotes from individual companies.

Thanks!

Michael O’Brien

 Michael P O’Brien, CBC

 www.obfs.net - For Online Quotes – Health Insurance

www.DVM-Insurance.com  – Insurance for Veterinarians

 NEW WEBSITES – Up and Running  – Check them out !!!!

We want to be your Broker of Record for your AVMA/GHLIT Benefits! This comes with many benefits, as you now have an expert, FREE OF CHARGE, to help you pick the best insurance options for you & your families needs.

• Get Expert advice for FREE
• Review before you Renew. This could put money back in your pocket! FREE
• Find the best options for you and your family FREE
• Have a team of experts watching over your insurance needs FREE

..and much much more! Visit DVM-Insurance.com today. The one-stop-shop for all your AVMA/GHLIT Veterinarian Insurance needs.

To get these FREE benefits, click on the link, print the document, sign, date and include your email, then fax or email it back to us. Its that simple! Click Here >>

A Full-Range of Products

O’Brien Benefits and Financial Services offers a full-range product portfolio of Veterinarians insurance. These products provide the benefits you need at every point in your career – from the beginning needs of a student to the full-range requirements of a practice owner and finally, the plans for a fulfilling retirement.

Plans Designed for Veterinarians

Our insurance plans are designed specifically for the unique needs – the overhead costs and occupational health risks – of doctors, so you’re ready for whatever life may bring. We are able to offer our veterinarian customers flexible plans at competitive rates because our plans are underwritten by New York Life Insurance Company, and offered through AVMA/GHLIT. This means your plan is supported by one of the industry’s most respected companies and is backed by the group purchasing power of thousands of other veterinarians across the nation.

Michael O’Brien

 Michael P O’Brien, CBC

 www.obfs.net - For Online Quotes – Health Insurance

www.DVM-Insurance.com  – Insurance for Veterinarians

 NEW WEBSITES – Up and Running  – Check them out !!!!

Your most important asset is not your home, your car, your jewelry or other possessions. It’s your ability to earn a living.

Think about it. All of your plans for the future – from buying a home to putting your kids through college to building a retirement nest egg – are based on the assumption you will continue to earn a paycheck until you retire. But what would happen if those paychecks stopped? That’s where disability insurance comes in. It provides an income to you and your family if you are unable to work because of illness or injury. Click here to get a Free, No Obligation, Disability Insurance Quote >>

Download these 2 FREE flyers that can help you determine if you have enough Disability Insurance for the future! Call us with any questions you have. 703-654-6050

The Numbers Speak for Themselves

The financial consequences of a lengthy disability could literally cost you millions. A 25-year-old worker who makes $50,000 a year and suffers a permanent disability could lose $3.8 million in future earnings. You don’t hesitate to insure your home, car and other valuable possessions, so why wouldn’t you insure something that is much more valuable than all those things?

The possibility of a disabling illness or injury may seem remote, but statistics paint a different picture. Nearly one in three women can expect to suffer a disability that keeps them out of work for 90 days or longer at some point during their working years. For men, the odds are about one in four. And one worker in seven can expect to be disabled for five or more years before retirement. Simply put, if you have a job, you most likely need disability insurance.

To find out more information, fill out our no obligation disability quote form, and we’ll contact you right away. Click here to get a Free, No Obligation, Disability Insurance Quote >>

Michael O’Brien

 Michael P O’Brien, CBC

 www.obfs.net - For Online Quotes – Health Insurance

www.DVM-Insurance.com  – Insurance for Veterinarians

 NEW WEBSITES – Up and Running  – Check them out !!!!

Mike currently works with several Paid and Volunteer LCFR members, and has helped them with there specific Health & Life insurance needs.

Working with an agent just makes good sense. Working with one that is “Fire/Rescue friendly” is even better!

CALL TODAY to schedule your FREE consultation or visit www.OBFS.net for more details. You might be amazed how much you can potentially save on your Life, Health and Disability Insurance plans!

Download our Loudoun County Fire & Rescue Health & Life Insurance Flyer: Click Here>>

You can make a difference. We are actively recruiting volunteers for all fire and rescue stations throughout Loudoun County, Virginia. We provide all necessary training at no cost to you and have volunteer opportunities for everyone from emergency medical services and fire fighting to administrative duties helping behind or at the scenes. Contact us today – join and Answer the Call! Click Here>>

 You can make a difference. We are actively recruiting volunteers for all fire and rescue stations throughout Loudoun County, Virginia. We provide all necessary training at no cost to you and have volunteer opportunities for everyone from emergency medical services and fire fighting to administrative duties helping behind or at the scenes. Contact us today – join and Answer the Call! Click Here>>

Considering a career in Fire & Rescue? Fire and rescue services in Loudoun County are provided through a combination system that includes nearly 500 career and more than 1,500 volunteer personnel. Find out more about LCFR: Click Here>>

 Michael P O’Brien, CBC

 www.obfs.net - For Online Quotes – Health Insurance

www.DVM-Insurance.com  – Insurance for Veterinarians

 NEW WEBSITES – Up and Running  – Check them out !!!!