Village News - RSS Feed

Insure Your Love Month

Fri, 06 Feb 2026 01:30:45 GMT

Insuring Love: Why Planning Matters More Than Hope

February is Insure Your Love Month, a reminder that protecting the people we care about takes more than good intentions—it takes planning. In this article, I share my family’s personal story, including how a missed beneficiary update changed everything after my stepfather passed away while I was on active duty in the Navy.

I also explain why life insurance isn’t just about premiums—it’s about insurability—and how age, health, and lifestyle factors can impact your ability to qualify. As a veteran, I see firsthand how service-related medical conditions prevent many of my fellow veterans from accessing coverage, often because they weren’t aware of programs like SGLI and VGLI or the importance of acting within specific timeframes.

Life insurance today offers much more than protection after a loss. It can include living benefits, disability protection, critical illness coverage, and options to help address long-term care needs. It’s a tool used to protect individuals, families, and businesses through many of life’s challenges.

The lottery isn’t a retirement plan, and crowdfunding isn’t life insurance. Real protection starts with a plan—and that plan begins with a conversation.

If you’ve been putting it off, now is the time to talk.

To view the article published in the Village News and Valley News, click here

A special thank you to the staff at the Village News and Valley News for allowing me to be featured as a community resource. For more information, visit www.villagenews.com

How Covered California Affects You in 2026

Fri, 23 Jan 2026 17:25:07 GMT

Covered California and Health Insurance Changes in 2026

As 2026 begins, individuals and families enrolled in Covered California are navigating a changing and increasingly complex health insurance landscape. The expiration of enhanced federal subsidies, the introduction of limited state-funded tax credits, rising deductibles and out-of-pocket costs, and shifting provider networks have already begun to impact how consumers evaluate their health coverage.

While California has allocated state funding to help offset some of the loss of federal Advanced Premium Tax Credits, many consumers are experiencing higher premiums and increased cost-sharing compared to prior years. In addition, doctor networks and plan availability can change from year to year, making it essential to confirm provider participation before enrolling or making plan changes.

This article explains what consumers should expect throughout 2026, why reviewing more than just the monthly premium is critical, and how working with a qualified, licensed insurance agent can help avoid costly surprises. In today’s evolving marketplace, thoughtful planning and professional guidance remain essential to ensuring health coverage aligns with both medical needs and financial goals.

To view the article published in the Village News and Valley News, click here . Please be advised an online subscription may be required to view the article in its entirety. Contact Marc to discuss possible alternatives available to you.

A special thank you to the staff at the Village News and Valley News for allowing me to be featured as a community resource. For more information, visit www.villagenews.com

Medicare Reviews are Essential

Fri, 16 Jan 2026 17:55:02 GMT

Medicare Isn’t “Set It and Forget It”

Medicare coverage can change from year to year, and staying informed is essential to avoiding unexpected costs or disruptions in care. In this article, I draw on over a decade of experience in the Medicare industry—and a genuine passion for helping people navigate complex decisions—to explain why education and regular policy reviews matter.

Working closely with clients facing challenges unique to Medicare, I address common areas of confusion such as underwriting and preexisting conditions, Special Enrollment Periods, Medicare Advantage plan changes, and what happens when plans are discontinued. He also explains why beneficiaries are not always locked into a plan for the entire year and outlines options available during the Medicare Advantage Open Enrollment Period.

The article includes a special focus on Medicare-eligible veterans, highlighting how newer Medicare Advantage plans can coordinate with VA benefits, TRICARE for Life, and CHAMPVA, while also offering access to dental, vision, hearing, and other supplemental benefits.

Whether you’re new to Medicare or have been enrolled for years, this article emphasizes informed decision-making, personalized guidance, and the value of working with someone who understands the real-world challenges Medicare beneficiaries face.

To view the article published in the Village News and Valley News, click here

A special thank you to the staff at the Village News and Valley News for allowing me to be featured as a community resource. For more information, visit www.villagenews.com

Covered California Phishing Scam

Tue, 12 Aug 2025 19:14:44 GMT

URGENT: Phishing Attempts Requesting Personal Information From Non-Verified Sources

Recently, Covered California shared a warning about scam emails (known as phishing) pretending to be from their office. These emails may ask you to click a “secure link” to update or verify your personal information. These messages are NOT real.

What You Need to Know:

Do not click on any links in suspicious emails.
Official Covered California emails will always end with @covered.ca.gov .
Scammers often use names you may recognize, but with fake email addresses. Always check the sender’s full email address before opening or responding.

What is Phishing?
Phishing is a scam where someone tries to steal your personal information (like Social Security numbers, passwords, or account details) by pretending to be a trusted organization.

If You’re Not Sure About an Email:

Forward it to InformationSecurity@covered.ca.gov or PrivacyOfficer@covered.ca.gov for verification.
You can also contact me directly before clicking or replying—I’m here to help keep your information safe.

Your privacy and security are a top priority for me and Covered California. Stay alert and stay safe.

—
Marc Sigmon Insurance Agency
#TakingtheNextStepsTogether

I can also make a branded graphic to post on your social media and include in emails so clients recognize it instantly. That would boost visibility of the warning.

Ask ChatGPT

You said:

make a branded graphic

ChatGPT said:

Stopped creating image

Marc Sigmon attends 2024 NAIFA Congressional Conference

Thu, 20 Jun 2024 01:23:00 GMT

National Association of Insurance and Financial Advisors (NAIFA)'s Signature Grassroots Advocacy Event

Marc Sigmon, agent and CEO of Marc Sigmon Insurance Agency LLC and the NAIFA-California, San Diego Affiliate Leader, joined around 500 other professional insurance and financial advisers, agents, brokers and employee benefits specialists from across California and the United States to attend the NAIFA Congressional Conference, an annual political advocacy event held by the National Association of Insurance and Financial Advisors. Sigmon, a dedicated NAIFA member since 2020, attended his fourth Congressional Conference, May 20-21. His active participation in advocacy training and comprehensive briefings on issues crucial to his business and the consumers he serves underscores his commitment to staying informed and prepared. Sigmon also met with key policymakers, including U.S. Rep. Darrell Issa, CA-49, and Christopher Mika, legislative assistant for Issa; Alison Feinswog, legislative director for U.S. Rep. Mike Levin, CA-48; Dillon Cook, senior legislative assistant for Rep. Scott Peters, CA-50; Michael Rivas, legislative assistant for Rep. Juan Vargas, CA-52, in the U.S. House of Representatives. Sigmon's role in leading meetings with other California constituents with both Andrew Baratta, legislative correspondent for U.S. Sen. Alex Padilla, and Matthew Greer-Gentis, staff assistant for U.S. Sen. Laphonza Butler, was a significant milestone in his advocacy journey.
"In years past, I attended our Senate meetings listening to other NAIFA members discussing critical issues. This year was my turn," Sigmon said. "Each meeting had over 10 agents and advisers who are passionate about our industry and the work we do every day to protect our business clients, our families, our veterans, our seniors and our own family members. "I listened to stories from other advisors across our state which emphasized the key role we serve. I was honored to facilitate these opportunities while in Washington," he said. This experience further solidified Sigmon's position as a respected advocate for the industry. "Advocacy is an important part of being a good NAIFA citizen and working in the best interests of our clients," NAIFA President Tom Cothron, LUTCF, FSCP, said. "I commend Marc Sigmon for participating in NAIFA's Congressional Conference and being an engaged member of the most influential membership association for insurance and financial services professionals."

Navy Veteran Marc Sigmon celebrates Military Appreciation Month, helping fellow service members

Wed, 01 May 2024 16:14:00 GMT

Marc Sigmon continues to serve community and fellow service members as a certified life and health insurance agent

This May, we celebrate Military Appreciation Month. It’s a month dedicated to those who are are in and out of the military. Congress designated May as National Military Appreciation Month in 1999 to ensure the nation was given the chance to publicly show their appreciation for troops past and present.
Military appreciation means different things to different people. To some, it may mean thanking military members for their service. To others, it might mean providing military families as they look to life beyond the military. Still, others may see military appreciation as a way to show support for the troops both here and abroad. No matter what it means to you, military appreciation is an important part of our society and culture. Both the service member and their families deserve our respect for their duty and sacrifice to our county.

At Marc Sigmon Insurance Agency , military appreciation is an issue that is very personal and hits close to home. Marc served in the Navy during his 20-year career for more than a decade and now continues to serve his community as a licensed insurance agent. His relationships with professionals in the community can guide individuals during the period of their transition to civilian life and beyond.

Taking the time to discuss important decisions and the timeframe is a critical step in the process. Using his experience, Marc Sigmon provides a unique education-first approach to assist his clients determine the best options for their specific situation.
Some of these points include:

Survival Benefit Plan (SPB): Leaving a legacy behind is a common concern for anyone. This unique program designed for military spouses does not address every situation equally. As with most retirement or estate concerns, ensuring the benefits can pass to secondary beneficiaries should be part of the process.
Thrift Savings Plan (TSP) : What are some of your options once you leave the military? Can you continue to contribute or look into other financial vehicles to achieve your goals? What are some of the benefits of leaving your funds alone?
Servicemembers Group Life Insurance / Veterans Group Life Insurance (SGLI/VGLI): Your insurability determines which options may be available to you. Some commercial insurance carriers allow transferring your benefits without medical underwriting. After someone puts all of their conditions and diagnoses into their medical record, what affect does that have on getting approved for life insurance? Which carriers and type of product should I consider for my situation?

These are just a few ways Marc Sigmon Insurance Agency assists current and transitioning military members and their families in Taking the Next Steps Together. Veterans also have options to consider based on their situation. Make an appointment today with Marc Sigmon Insurance Agency.
If you have questions about what your insurance options after leaving the military, contact Marc Sigmon Insurance Agency today!

San Diego County Board of Supervisors recognizes Life Insurance Awareness Month

Tue, 06 Sep 2022 19:05:00 GMT

Marc Sigmon recognized at Fallbrook Chamber of Commerce during Life Insurance Awareness Month

We are proud to announce that the San Diego County Board of Supervisors issued a proclamation commending NAIFA-California and our important work of helping families seek a secure future for their loved ones. September 2022 is officially Life Insurance Awareness Month throughout San Diego County.
Thank you to the wonderful staff at the Fallbrook Chamber of Commerce for hosting the photo shoot and your hospitality.
Our work improves our agents, which affects our clients, who are the constituents of our elected officials. Thank you to Adrienne Cisneros-Selekman with Supervisor Jim Desmond 's office.

If you have questions about a life insurance policy, contact Marc Sigmon Insurance Agency today! Click here to schedule your next appointment.

Marc Sigmon meets with congressional offices in Washington

Wed, 01 Jun 2022 17:27:00 GMT

Marc Sigmon, far right, visits the legislative office of Congressman Mike Levin (CA-49) with, from left, Mike Wilbanks, a NY Life agent; Alison Feinswog, Levin's legislative assistant; and Lauren Crumbaker, another NY Life agent. (courtesy Village News) Marc Sigmon, agent/CEO of Marc Sigmon Insurance Agency, spent three days in Washington, D.C., as part of the National Association of Insurance and Financial Advisors Congressional Conference. The congressional conference, held May 23-24, was to build or establish relationships with local advisors and agents within each district to address critical issues now and into the future.

Navy Veteran Marc Sigmon celebrates Military Appreciation Month, helping fellow service members

Fri, 06 May 2022 18:06:00 GMT

Marc Sigmon continues to serve community and fellow service members as a certified health insurance agent

Survival Benefit Plan (SPB): Leaving a legacy behind is a common concern for anyone. This unique program designed for military spouses does not address every situation equally. As with most retirement or estate concerns, ensuring the benefits can pass to secondary beneficiaries should be part of the process.
Thrift Savings Plan (TSP) : What are some of your options once you leave the military? Can you continue to contribute or look into other financial vehicles to achieve your goals? What are some of the benefits of leaving your funds alone?
Servicemembers Group Life Insurance / Veterans Group Life Insurance (SGLI/VGLI): Your insurability determines which options may be available to you. Some commercial insurance carriers allow transferring your benefits without medical underwriting. After someone puts all of their conditions and diagnoses into their medical record, what affect does that have on getting approved for life insurance? Which carriers and type of product should I consider for my situation?

The value of financial literacy when choosing life insurance

Fri, 08 Apr 2022 20:42:00 GMT

Considering permanent cash value life insurance with Marc Sigmon Insurance Agency

In an effort to bring more awareness to the need for more financial education in schools and for adults, April is Financial Literacy Month. During the pandemic, Americans saved more money and were spending less time on recreational activities. According to the Washington Post , a recent study showed household savings actually increased over the last two years. On average families have $1,300 more in their bank accounts than before the pandemic. Now is an excellent time to examine better ways to save our hard-earned money and look for better ways to invest. Consider the cash value life insurance option at Marc Sigmon Insurance Agency . Cash value life insurance is a type of life insurance that can be a valuable tool for building financial security over the long term. The cash value can be used as a source of funds in case of an emergency, or it can be withdrawn to help pay for major expenses such as education or retirement. It can help you build wealth over the long term in a different way rather than simply saving it an account. Let Marc Sigmon Insurance Agency help you consider the features and benefits of cash value life insurance as well as the costs and risks involved.

Make an appointment today to discuss the advantages of permanent cash value life insurance with Marc Sigmon Insurance Agency.

Special Needs Trust: Why it is crucial for your loved ones and the necessary steps to plan ahead

Mon, 28 Feb 2022 20:17:00 GMT

Planning ahead with Marc Sigmon Insurance Agency and other partners

As we look ahead for the year 2022, it’s crucial that we remember those with special needs while planning ahead. After all, March is special needs awareness month. Consider the relationships Marc Sigmon Insurance Agency has with professionals that can establish a special needs trust or other important documents for your financial future. A special needs trust is a legal document that has many benefits for the disabled individual and his or her family. It allows you to manage financial affairs while still preserving your child's eligibility for public assistance programs like Medicaid (called Medi-Cal in California). A trust can be established by an attorney or licensed financial advisor. They are designed to protect a person with supplement benefits should their financial circumstances change in the future. If you're a parent or guardian of a special needs child, contact Marc Sigmon Insurance Agency today to find out more. As a licensed insurance agent, he can work with your family to connect you with the right individuals to ensure your financial future is secure. It’s time to remember to protect children with special needs for life with the right tools.

If you're a parent or guardian of a special needs child, contact Marc Sigmon Insurance Agency today to find out more. It’s time to remember to protect children with special needs for life with the right tools.

The importance of protecting your financial interest with proper estate planning

Mon, 17 Jan 2022 20:01:00 GMT

How Life Insurance Works with Estate Planning through Marc Sigmon Insurance Agency

Often times as I meet with clients, the subject of legacy or estate planning arises. What would happen if? Having these difficult conversations now prevents financial struggles combined with the emotional loss of a loved one. At Marc Sigmon Insurance Agency, we do not create or draft estate plans. We work with estate attorneys as part of a team concept to help our clients ensure their wishes are honored by those left behind. Whether we work with your existing attorney or one in our professional network, your interests will be protected.
One of our colleagues is Tara Cheever, an estate attorney located in Southern California . Tara recently published in her newsletter how life insurance works with an estate plan. Life insurance, retirement accounts, homes, and other assets make up the estate of an individual, family, or company. Lif e insurance plays a vital part in the process primarily because the death benefit is immune from probate. The owner of the policy dictates which beneficiary receives the proceeds of the policy and what percentage to each party. Usually, these benefits are income tax-free to the beneficiaries.
Tara writes in her recent n ewsletter there are common misconception people have about life insurance. Some people believe they only need to designate their spouse, child, or loved one as the policy’s beneficiary to ensure that the life insurance benefits will be available to the beneficiary when they die. Life insurance is a significant financial and estate planning tool. Still, there is no guarantee that your beneficiary will receive or keep the benefit from your insurance without certain protections in place.
Example 1 David identified his wife, Betsy, as the beneficiary of his life insurance policy. At David’s death, Betsy does receive the death benefit from the insurance policy. Still, when Betsy remarries, she adds her new husband’s name as a joint owner of the bank account where she deposited the death benefit. In so doing, she inadvertently leaves the entire death benefit from David’s life insurance to her new husband instead of to the children she and David shared, as they had discussed before his death and as indicated in her will.
Example 2 Dawn, a single mother, named her ten-year-old son Mark as a beneficiary of her life insurance. She passes away when he is twelve. The court designates a relative as a guardian (sometimes referred to as a conservator) for Mark until he is legally an adult. By the time Mark reaches his eighteenth birthday, his inheritance has been partially spent on court costs, attorney’s fees, and guardian’s fees. In addition, its value has not kept pace with inflation because of the limited investment options available to guardians. Dawn had hoped that the life insurance proceeds would be open to pay for Mark’s college expenses, but there is less money available to Mark because of the costs and lack of investment flexibility. Mark receives the remaining funds, spends them frivolously, and has nothing left within a year or two.
Name a Trust as the Beneficiary of Your Life Insurance A common method for leaving money and property to loved ones in an estate plan is by titling assets, so they are owned by the trust or making the trust the beneficiary of the account or property, with a spouse or child as the trust’s beneficiaries. The same approach may also be used for life insurance policy proceeds. Two popular ways to achieve this result are naming a revocable living trust as a beneficiary and setting up an irrevocable life insurance trust.
Revocable Living Trust For individuals with accounts and property valued below the current lifetime estate tax exemption amount or who have already set up a trust, naming a revocable living trust as the beneficiary of a life insurance policy can be a helpful option. Doing so simply adds the death benefit from the life insurance policy to what you already have in trust, payable only to the trust’s beneficiaries according to the instructions already in the trust agreement. The benefit of this approach is that it instantly coordinates your life insurance proceeds with the rest of your estate plan.
Irrevocable Life Insurance Trust An irrevocable life insurance trust is an added layer of protection because it can own the life insurance policy and be named the beneficiary. You can create an irrevocable life insurance trust by transferring ownership of an existing policy into the trust or purchasing a new policy. You make cash gifts to the trust to pay the insurance premiums using your annual gift tax exclusion. Upon your death, the trust receives the death benefit, and the trustee distributes the money according to the instructions in the trust document. This strategy also allows you to remove the value of the life insurance policy and the death benefit from your taxable estate.
Despite the estate tax exemption currently being at a historic high, the exemption amount will likely change under the current administration or sunset in 2026 at the latest. Therefore, if you have purchased life insurance, consider taking the extra step to ensure that your loved ones’ financial futures are secure.
An important point of focus at our agency is to thoroughly discuss the scenario if someone passes away. We work with our clients to make sure their plan addresses important and often overlooked concepts. Providing a thorough and holistic approach to your estate plan is one of the reasons our clients choose to work with our agency.
Make your appointment today to discover how we help our clients in Taking the Next Steps Together.

Sources
https://estateplanninglawyersandiego.com/life-insurance-and-estate-planning-protecting-your-beneficiaries-interests/

Medicare beneficiaries can enroll in a Blue Shield of California Medicare Supplement plan without underwriting approval

Tue, 07 Dec 2021 22:52:00 GMT

Limited Time Underwriting Holiday promotion for Blue Shield of California Medicare Supplement plan

We’re celebrating the season at Marc Sigmon Insurance Agency with an important celebration that will ring in the New Year! We are pleased to announce that our clients may be eligible for a special Underwriting Holiday through the Blue Shield of California Medicare Supplement plan. The offer allows clients to enroll without answering any health questions or obtaining underwriting approval. The promotion runs through December 1, 2021, and ends February 28, 2022
“This is an excellent opportunity for our prospective and current clients,” says license insurance agent Marc Sigmon. “Applications received for enrollment in one of Blue Shield of California’s marketed Medicare Supplement plans will be accepted without underwriting review or approval. Also, Medicare beneficiaries who qualify for the underwriting holiday are not required to complete any of the statement of health or tobacco usage sections in the application.”

Eligibility Requirements Include: -Must be a California resident to apply -Medicare Supplement plans of effective January 1, February 1, and March 1, 2022, are eligible for the Underwriting Holiday. -Applications must be submitted through through February 28, 2022

What is an underwriting holiday?
An underwriting holiday is a term used to describe when insurance companies suspend their medical questions and approved health questions. This means that if you are eligible for Blue Shield of California's Medicare Supplement plans, you can enroll in any available plan without answering medical questions or obtaining approval. You may need to pay your initial monthly premium to activate coverage.

What do supplement plans from Blue Shield of California do?
Blue Shield of California Medicare supplement plans help you pay for some or all of your health care costs that Medicare doesn't cover (like copayments and coinsurance). All Medicare supplement plans in our medicare options — except for HMO Medicare supplement plans — give you coverage in case you have a hospital stay that is longer than anticipated.

How do I sign up for a supplemental plan? You can enroll during an underwriting holiday if your medicare card has a medicare symbol and the words "fee for service" on it. You cannot enroll in Blue Shield of California Medicare supplement plans if you have a medicare advantage, medicare part C, or a medicare supplement plan from another insurance company. Competing health plan members are welcome to enroll.

What type of discounts will be eligible for a supplemental plan? If you qualify some of saving programs you may take advantage of include the household saving program, welcome to Medicare Rate Savings, dental savings plan, and autopay savings plan through electronic payments.

Contact us today! Contact Marc Sigmon Insurance Agency today! For more information click here or contac t Marc Sigmon Insurance Agency with questions today to learn more about your options and how to enroll.

Marc Sigmon featured on Veterans Radio Show showcasing his dedication to community and country through service

Tue, 07 Dec 2021 20:53:00 GMT

Sigmon's community involvement and military service recognized on Veterans Radio Show

Recently insurance agent Marc Sigmon spoke about his time in the military and why he chose to venture out on his own, starting his agency. Sigmon detailed his focus in business and life by sharing his personal story. He continues to remain committed to helping his clients navigate the ins and outs of the life and health insurance industry.

Marc Sigmon answers questions about Covered California Open Enrollment on Fox 5 Morning News

Tue, 09 Nov 2021 20:02:00 GMT

Covered California Open Enrollment discussed during Fox 5 interview segment, questions answered about insurance options

Who is eligible? Are you covered through your workplace or do you qualify for a subsidy? How many subsidies am I eligible for under my income? How much can I afford? Was there a life changing event (like a termination from your job or you moved) recently? These are all questions Marc Sigmon discussed during his interview on the Fox 5 morning segment .
As a certified health insurance agent, Marc Sigmon can help you determine the best option for your healthcare needs. Choosing the right plan can be intimidating and overwhelming . Health insurance is important to stay healthy and remain debt-free while maintaining wellness.
Until Jan. 31, 2022, California residents can opt into a Covered California plan for the upcoming year. During this period, they can apply without a qualifying life event .

Don't wait to contact Marc Sigmon Insurance Agency to enroll today . For more information about Covered California click here. Agents are also available to answers questions.

Preparing for open enrollment with Covered California: Weigh your options with professional advice from Marc Sigmon Insurance

Fri, 22 Oct 2021 19:42:00 GMT

Find out what plan is right for you and what is available in your area

As COVID-19 continues and with the flu season rapidly approaching, it is important to make sure you and your family are covered with health insurance.
From Nov. 1, 2021, to Jan. 31, 2022, California residents can purchase health insurance for the upcoming year. During this period only, you can apply without a qualifying life event — a list of criteria that people typically have to meet. This is also the only place where a California resident can apply to see if he or she qualifies for the government to help pay for medical insurance through a tax credit or subsidy.
There are a variety of reasons why health insurance is so important including staying debt-free, disease prevention, and lower medical bills.
Choosing the right health plan can be overwhelming. There are several choices to consider including differences between premiums, co-payments, doctor networks, and specialist referrals.
However, when you work with the Marc Sigmon Insurance Agency, our certified health agents can help you determine which options best fit your needs.

Contact us today to determine which plan is right for you. We will sit down with you and help you carefully weigh your options.
For more information about health insurance and picking the right plan for you, click here .

Medicare season: what you need to know for open enrollment

Wed, 06 Oct 2021 18:52:00 GMT

Medicare enrollment starts Oct. 15th, offering coverage for those turning 65 and providing easy solutions and answers during a confusing time

Medicare season is quickly approaching. It’s time to start thinking about your current coverage and other options. You may be able to save money or be available for extra benefits. If you are turning 65, you can sign up during your initial enrollment period. Let us help you determine which plan is right for you.
You can enroll in the Medicare health and drug plans from October 15 through December 7. It’s important to know that every year you can join, switch or drop a plan.
For many, this can be an overwhelming time with several choices. It’s important to weigh all of your options with a licensed insurance professional. Which plan is right for you and is it time to switch? Should you choose the Medicare Advantage plan or a standalone plan? Let Marc Sigmon Insurance Agency help your family make educated choices.

Coverage begins on January 1st.
For more information about the different parts of Medicare click here. Any changes made will be effective the first of the year. Get started by contacting us today.

Working to Keep Your Personal Identifiable Information (PII) Safe and Secure

Fri, 10 Sep 2021 18:13:00 GMT

How Do We Protect Your Information?

Studies show a primary reason consumers choose one insurance agent over another is the protection of their personal information. At Marc Sigmon Insurance Agency, we take extra steps to ensure our client information is not exposed to unneccessary or unauthorized sources. One of our resources is Jesse Sims with Netvolutions. Jesse is a proud Navy veteran who provides robust IT solutions to small businesses. You can read his blog addressing the unique concerns of our industry using the link below: https://netvolutions.net/it-advice-for-small-businesses/cyber-attacks-against-insurance-agencies/
We use individual mobile hotspots instead of shared wifi at every location we meet with our clients. Sensitive information is transmitted using encrpted emails. Confidential files are kept locked at our location until an agent requires the information. Additonal measures are in place to protect our clients, our agents, and our agency.
Just one more reason to allow us to serve as your agency in
Taking the Next Steps Together.

Life Insurance Awareness month serves as important reminder of need for coverage despite misconceptions

Fri, 27 Aug 2021 18:58:00 GMT

Marc Sigmon Insurance Agency partners with Life Happens campaign to promote importance of life insurance

Every year, September is Life Insurance Awareness Month. It’s an awareness month sponsored by the nonprofit organization Life Happens to help educate consumers on the importance of having adequate life insurance coverage.
According to the nonprofit nearly half of Americans do not own life insurance. Studies show that even more Americans recognize a need for life insurance and overestimate the cost. There’s a disconnect between how people feel about life insurance and actual life insurance coverage.
There are several misconceptions about life insurance. Some folks believe life insurance is costly, they won’t qualify, or they are provided insurance through work. Fortunately, there are several coverage options available that will provide for you and your family.
Marc Sigmon Insurance Agency offers advice from the perspective of a licensed insurance agency while building a portfolio that fits your specific needs. There are several different types of life insurance yet only an experience agent can help you identify which plan fits you best.

Contact Marc Sigmon Insurance Agenc y today to receive insurance assistance. Whatever you need, we’re here to help keep you, your family, or your business educated and protected.

Marc Sigmon Builds on His Career Success as a NAIFA Volunteer Leader

Wed, 18 Aug 2021 13:30:00 GMT

Marc Sigmon, NAIFA member and CEO of Marc Sigmon Insurance Agency , is the Leader of NAIFA-CA's San Diego affiliate. Sigmon joined NAIFA California in 2020 and was inspired to take on a bigger role after he attended NAIFA’s annual Congressional Conference .

"The Congressional Conference was an amazing experience," said Sigmon. "It made me want to get more involved at the state level and I am honored to have the opportunity to represent NAIFA-California as Leader Affiliate, San Diego."

Special Needs Trust: What is it and why is it important?

Wed, 28 Jul 2021 21:43:00 GMT

Schools are back in session and it's time to remember to protect children with special needs year-round and for life.

Before you know it the bell will ring and schools will be back in session. It’s the time of year when we start thinking about our children.
But have you created a plan to protect your child with special needs year-round??

If you are the parents of a child with special needs or thinking of leaving an inheritance to someone with special needs, we encourage you to carefully craft a special needs trust as part of their estate plan.
A special needs trust in California is a legal arrangement that allows a person with a physical or mental impairment to still receive funding designated by state assistance programs without losing their eligibility.
Trusts are designed to protect a person with supplement benefits should their financial circumstances change in the future.
Let us work with you to answer all of your questions about the terms of the trust and why it’s important.
Trusts must be established before a beneficiary turns 65.
These trusts, if properly written, can benefit the recipient while preserving their eligibility for social security and Medicaid.
Make an appointment today and see how we can help you -- Taking the Next Steps Together.

The Marc Sigmon difference: experience insurance advisement the way it should be

Tue, 01 Jun 2021 17:25:00 GMT

A message from Marc himself about his philosophy on helping clients.

Hello, my name is Marc Sigmon , Agent and CEO with Marc Sigmon Insurance Agency , After serving my country for 20 years, I became an insurance agent after losing my stepfather unexpectedly and helping my mother determine her options concerning Medicare. After working for other agencies for over four years, I ventured out on my own. I started my agency to simplify the process, provide a client-centered approach, and customize options for our clients. We realize these conversations are challenging and emotional. My family was affected by the areas of protection. We have learned those tough conversations now eliminate more complex discussions during unexpected and unplanned events in life. We all faced obstacles and challenges our nation had not experienced in over a century during our pandemic. We learned our clients get overwhelmed with information and often do not know where to turn—determining which options apply to them and which do not can be stressful. Our clients work with our agency for three reasons:

We focus on their wants, needs, desires, and dreams
We work with the top-rated carriers
We keep things simple and customize solutions for each client.

Whether we work with individuals, families, business owners, or our beloved military and veterans, we use the old-fashioned approach of trusted advisors. A handshake made a contract, and our word is our bond. Make an appointment today and see how we can help you Taking the Next Steps Together.

CEO Marc Sigmon Appears with InsurancePros to Tell His Story

Mon, 08 Feb 2021 20:02:00 GMT

Tune in to learn what Marc has been doing to build his successful agency!

Goals for 2021

Fri, 08 Jan 2021 17:53:00 GMT

Our focus is to be known for how we can help you.

Happy New Year and here is to a bright and successful 2021.
Our goal for this year is to be known for exactly how we can help and the role we play as we assist our clients. Whether we get asked to help with auto and home insurance or if our clients state, "I didn't know you could help with that", we learned in 2020 our efforts of building our brand in our community did not achieve the expected results. We hope to clarify some of that confusion here.
Our agents are licensed professionals in the areas of life and health insurance. Each type of insurance we offer is commonly known as a line in our industry. We help with the following lines of insurance: - Life Insurance: both temporary and permanent to protect you and your love ones, save for retirement, or provide for final expenses - Long Term Care: not just for nursing homes or the end of our life, assisting with any two of the six activities of daily living - Disability: to replace your income if you become sick or injured and cannot work - Retirement Income: helping provide guaranteed monthly income - Medicare: a simplified approach to options available to those eligible for Medicare coverage - Health Insurance: either through the marketplace (healthcare.gov or Covered California) or directly from our carriers - Vision and Dental Insurance: affordable options to keep coverage within your budget - Ambulance and Emergency Transportation: prepaid options to cover all air and ground emergency transportation
We also work with our business owners by providing affordable and efficient group benefits for their employees by the top rated providers in the industry. Our agents assist with health, dental, vision, and life insurance at a controlled cost to the employer. Our service with these products is industry leading. You can read our reviews on LinkedIn, Google, and the Better Business Bureau.
Our simplified, education-first approach allows our clients to learn how each of these coverages work. Discussions often lead to more questions. At the end of each of our meetings, we review what we talked about and explore the next steps. Each of our recommendations is customized based on the needs of our clients. Our ethics and commitment to establishing and building trust are some of the reasons we have been accredited with organizations such as NAIFA, the Better Business Bureau, and 2-1-1 San Diego. We are proud members of both the San Diego Regional Chamber of Commerce as well as the Fallbrook Chamber of Commerce.
Clients with existing coverage can review how their situation may have changed since the policy was written. Often times, we find a beneficiary change or old address that needs updated. We pride ourselves on continuing to build our relationships with our clients. We also work with other industry professionals to build a team-based approach to plan for the future while protecting the present.
We realize our agency would not exist without our clients. We are licensed in 10 states and can expand based on the needs of our clients. Find out what it means to be a client of Marc Sigmon Insurance Agency and how we are Taking the Next Steps Together.

Marc Sigmon, Agent / CEO of Marc Sigmon Insurance Agency Joins NAIFA

Fri, 11 Dec 2020 19:59:00 GMT

Kamber Hensen published a welcome for Marc Sigmon, one of the newest members of NAIFA, the National Association of Insurance and Financial Advisors. Read the article here .
Source: https://at.naifa.org/naifa-welcomes-new-member-marc-sigmon

Marc Sigmon Discusses Covered California On Fox 5

Tue, 08 Dec 2020 18:41:00 GMT

2021 Premiums for HealthCare.gov Plans Are Lower for Third Consecutive Year

Wed, 21 Oct 2020 18:09:00 GMT

Today, the Centers for Medicare & Medicaid Services (CMS) released a report showing the trend of lower premiums and increased issuer participation for HealthCare.gov will continue for plan year 2021. The average premium for the second lowest cost silver plan (also called the benchmark plan) dropped by 2% for the 2021 coverage year and, when looking at states that are using HealthCare.gov in both 2020 and 2021, 22 more issuers will offer coverage in 2021, for a total of 181 issuers delivering more choice and competition for consumers. To view the full press release, go to: https://www.cms.gov/newsroom/press-releases/premiums-healthcaregov-plans-are-lower-third-consecutive-year

The Health Insurance Exchange 2021 Open Enrollment period is November 1, 2020 to December 15, 2020, with coverage beginning on January 1, 2021. Ahead of the Open Enrollment period, CMS is also releasing the HealthCare.gov scheduled maintenance windows for the upcoming Open Enrollment period. Every year, CMS establishes scheduled maintenance windows that provide periods of time when CMS and its partners can make updates or resolve issues, if needed. To view the Scheduled Maintenance Windows, visit: https://marketplace.cms.gov/technical-assistance-resources/2021-open-enrollment-healthcaregov-maintenance-windows.pdf

To view the 2021 Health Insurance Exchange Premium Landscape Issue Brief, visit: https://www.cms.gov/CCIIO/Resources/Data-Resources/Downloads/2021QHPPremiumsChoiceReport.pdf

To see the 2021 Issuer Participation County Map; visit:

https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/10-16-2020-County-Coverage-Map.pdf

To view the Trends in Subsidized and Unsubsidized Enrollment; visit: https://www.cms.gov/newsroom/press-releases/unsubsidized-enrollment-individual-market-dropped-45-percent-2016-2019-0

Insurance For Transitioning Military

Wed, 07 Oct 2020 22:28:00 GMT

As I began my journey into the civilian world after a 20 year career in the United States Navy, I often felt like I was drinking from a firehose. Most veterans and military who have served understand the massive amount of water that flows at one time from a firehose to combat fires onboard naval vessels. How in the world do we make the right decision when so much information is being thrown at us?

Throughout my time in service, I was usually asked three basic questions when it came to my financial situation.

First, did I update my page 2 in my service record. Page 2 held the next of kin and emergency contact information. If someone is listed on this page, they are the unfortunate loved ones who receive a visit from a well-dressed or uniformed member to inform them a military member is either missing or killed while serving their country.

Second, have I updated my SGLI? SGLI stands for Servicemembers Group Life Insurance. Similar to most group insurance plans, this policy is in effect only while serving our country. This policy is in effect for 120 days after retirement or the last day of the month the contract expires.

Third, was if we invested in TSP, or the Thrift Savings Plan. Group retirement accounts can be contributed while employed, but are frozen until retirement age once the employment ends. This one size fits all does not adequately prepare our military personnel for retirement.

One often overlooked factor in retirement planning is insurability. Benefits of serving include a good diet, regular exercise, and physical requirements to continue military service. Aches and pains, chronic conditions, and other medical conditions are documented to be presented to the Department of Veterans Affairs for financial compensation as a result of military service. Arduous duty or combat injuries contribute to a disability rating for a monthly income for the rest of the servicemember’s life. Especially during the final six to nine months of their career, most individuals are instructed to get every condition documented in their medical record.

I again emphasize that most military personnel are insurable. When I meet with both active duty and transitioning military, I often ask them this question... “What do you think the underwriters base their decision on?”

A look of realization comes across their face. I hear responses that center around the fact of speaking with me first prior to visiting the doctor on several occasions for approval from the VA. I could not agree more.

Our health and age purchase life insurance products. Whether we realize it or not, we are all faced with our mortality at one point in our lives. For some of us, this realization comes too late. We get a diagnosis from our doctor that slaps us into the reality that we all will eventually pass away. We lose a loved one or hear of an untimely passing of someone we know. Then what happens? We see an emotional social media post with an attached request to raise money for the surviving family members.

It doesn’t have to be this way.

I have spent the last five years discussing challenges with our military members. I hear their stories and listen to the confusion of not knowing where to turn. I look at the faces of the loved ones in the room as they see their beloved hero uncertain of the future. Again, I say….

It doesn’t have to be this way.

Many organizations exist to assist our military and veterans, especially where I reside in southern California. One of these organizations serves the entire community. 2-1-1 San Diego exists to provide information on a variety of subjects for education, emergency updates, resources, and community information. We are proud to be listed as the only insurance agency as an approved resource on 211sandiego.org.

We earned that designation by providing our education-first approach to everyone in our community. We focus on assisting our veterans and military with time-proven strategies from the top-rated carriers in the nation. We can provide options and suggestions to our clients as they navigate their options as they take the next steps into the future. Allow us to work for you to take the next steps together for your future.

Make an appointment today

Village News - RSS Feed

Insure Your Love Month

Insuring Love: Why Planning Matters More Than Hope

How Covered California Affects You in 2026

Covered California and Health Insurance Changes in 2026

﻿

Medicare Reviews are Essential

Medicare Isn’t “Set It and Forget It”

Covered California Phishing Scam

URGENT: Phishing Attempts Requesting Personal Information From Non-Verified Sources

Marc Sigmon attends 2024 NAIFA Congressional Conference

National Association of Insurance and Financial Advisors (NAIFA)'s Signature Grassroots Advocacy Event

Navy Veteran Marc Sigmon celebrates Military Appreciation Month, helping fellow service members

Marc Sigmon continues to serve community and fellow service members as a certified life and health insurance agent

San Diego County Board of Supervisors recognizes Life Insurance Awareness Month

Marc Sigmon recognized at Fallbrook Chamber of Commerce during Life Insurance Awareness Month

Marc Sigmon meets with congressional offices in Washington

Navy Veteran Marc Sigmon celebrates Military Appreciation Month, helping fellow service members

Marc Sigmon continues to serve community and fellow service members as a certified health insurance agent

The value of financial literacy when choosing life insurance

Considering permanent cash value life insurance with Marc Sigmon Insurance Agency

Special Needs Trust: Why it is crucial for your loved ones and the necessary steps to plan ahead

Planning ahead with Marc Sigmon Insurance Agency and other partners

The importance of protecting your financial interest with proper estate planning

How Life Insurance Works with Estate Planning through Marc Sigmon Insurance Agency

Medicare beneficiaries can enroll in a Blue Shield of California Medicare Supplement plan without underwriting approval

Marc Sigmon featured on Veterans Radio Show showcasing his dedication to community and country through service

Sigmon's community involvement and military service recognized on Veterans Radio Show

Marc Sigmon answers questions about Covered California Open Enrollment on Fox 5 Morning News

Covered California Open Enrollment discussed during Fox 5 interview segment, questions answered about insurance options

Preparing for open enrollment with Covered California: Weigh your options with professional advice from Marc Sigmon Insurance

Find out what plan is right for you and what is available in your area

Medicare season: what you need to know for open enrollment

Medicare enrollment starts Oct. 15th, offering coverage for those turning 65 and providing easy solutions and answers during a confusing time

Working to Keep Your Personal Identifiable Information (PII) Safe and Secure

How Do We Protect Your Information?

Life Insurance Awareness month serves as important reminder of need for coverage despite misconceptions

Marc Sigmon Insurance Agency partners with Life Happens campaign to promote importance of life insurance

Marc Sigmon Builds on His Career Success as a NAIFA Volunteer Leader

Special Needs Trust: What is it and why is it important?

Schools are back in session and it's time to remember to protect children with special needs year-round and for life.

The Marc Sigmon difference: experience insurance advisement the way it should be

A message from Marc himself about his philosophy on helping clients.

CEO Marc Sigmon Appears with InsurancePros to Tell His Story

Tune in to learn what Marc has been doing to build his successful agency!

Goals for 2021

Our focus is to be known for how we can help you.

Marc Sigmon, Agent / CEO of Marc Sigmon Insurance Agency Joins NAIFA

Marc Sigmon Discusses Covered California On Fox 5

2021 Premiums for HealthCare.gov Plans Are Lower for Third Consecutive Year

Insurance For Transitioning Military