Our Business Model

HIG does what most insurance companies don’t. Our clientele isn’t the “Healthy and Wealthy” – It’s the lower income, and doesn’t matter of the health condition. Why?

First – it’s a numbers game. If everyone is going after the top 15-20% of people, there’s a lot less volume to compete with. With our model, we’re going for the majority 80+% – giving us way more volume to sell. How?

This is all thanks to the Affordable Care Act or ACA – also known as Obama Care. The Affordable Care Act has allowed the opportunity for everyone to get affordable health insurance at the governments expense. On top of that – there’s no underwriting based on medical conditions – so virtually anyone can be approved.

So with low to no cost insurance – paired with guaranteed approval, it’s an easy sell for anyone needing coverage.

On the next video – I will touch base more on what puts someone in place to qualify for ACA.