Keith Ouellette, ChFC, CLU, CLTC, a specialist in the impaired risk life and health markets, has formed a new insurance agency, Web Insurance Market Strategies, to provide an interactive educational online guide to health insurance planning for consumers and agents alike. Keith will continue to specialize in providing disability income insurance solutions for the impaired risk. His secondary objective is to educate individuals about insurance regulation and ratings of insurance companies, agent/agency licensing awareness and changes in governmental health programs (Medicare/Medicaid, SSDI) in order to assist consumers in making the right choices for their health insurance planning needs. Insurance products offered will range from HDHPs/HSAs, disability income (DI), business overhead expense (BOE), critical illness (CI) and long term care (LTC).

The WebINS.com site is intended to provide interactive health insurance solutions online for individuals on a completely confidential basis to conform with privacy laws. Specific case questions may be posed on WebINS.com anonymously in order to assist these individuals in finding insurance solutions for their specific medical impairment, or hard-to-insure situation.

Mr. Ouellette was formerly General Manager of Risk Insurance and Reinsurance Solutions’ Florida operation and was in charge of marketing and administering Fidelity Security Life Insurance Company’s line of impaired risk DI products for eleven (11) years. Keith also worked as an insurance regulator for the Florida and North Carolina Departments of Insurance assisting financially troubled insurance companies in formulating Work-Out Plans before a decision was made to place them into public rehabilitation proceedings. The experience gained as a regulator gives him valuable insight about consumer protection issues and laws assisting State DOIs to maintain insurance company solvency and agents’ continuing education. Keith strongly believes that consumers should be aware of the protections that state insurance regulation provides them, as well as to the industry as a whole, so that they are armed with this knowledge to make the right choices about the products, companies and agents they select to meet their insurance needs.

Keith Ouellette is licensed to sell life and health products in 31 states and is an active member of the Society of Financial Service Professionals and The International DI Society. Web Insurance Market Strategies is a Delaware corporation operating in Florida and is licensed as an insurance agency in both states. Keith would welcome the opportunity to review what people may believe to be uninsurable situations. You may contact him by visiting his Web Site at http://www.webins.com, by email or by fax at (954) 697-2709.