I specialize in providing expertise advice in the mature health insurance market. In addition to being a Certified NYSOH Broker in the Individual and Small Business Marketplace, I assist seniors making the transition from traditional health insurance into the world of Medicare. I am a seasoned Life and Health Insurance professional with over 10 years of experience, I'm well versed in understanding and navigating the concerns that keeps many seniors up at night. These primary concerns includes Running out of Money, Premature Death, Costs of Nursing Home and Home Confinement and Hospital and Doctor bills. I proudly work with many carriers with proven track records to help members choose products and services that are best for them and are designed to meet their health insurance needs. So with compassion and empathy my goal in this field has and always will be to make seniors feel confident and assured they are in good hands when working with me, and to provide the same level of professionalism and guidance to Individuals and Small Business Owners looking to secure the best health insurance coverage for themselves and/or their employees on the Health Insurance Exchange. Stay Positive, Test Negative!

WeTheBest Senior Marketplace Advisors, specialize in assisting individuals and employees with health insurance benefits in the state of New York and the surrounding regions. WeTheBest offers an in-depth analysis and expert advice to clients and prospects about their options in the senior marketplace like Medicare and state-funded programs like MSP aka Medicare Savings Program and EPIC, aka Elderly Pharmaceutical Insurance Program to help lower payments related to their Medicare insurance coverage.

Selling and promoting voluntary health benefits small to medium-sized businesses. Combined Worksite Solutions has a wide array of products that employers can provide to their employees at no cost to their bottom-line and doesn't change their current benefit program. Our plans include, accident Champion, sickness Champion, short-term disability, Universal Life, and Critical Illness. We are also proud to be a division of Chubb, our parent company. In a nutshell, we help employers with employee engagement. In addition to businesses, we work with individuals on direct basis. For more info, please reach out to me @ patrick.stamand@combined.com

Selling and promoting supplemental voluntary health benefits to private and governmental-run agencies. Aflac has a range of products that can fit most budgets. Our plans includes, accident, sickness, short-term disability, life (whole or term), vision, dental and our most popular plan is our cancer program. We also proud to support the Aflac Cancer Center in the fight against pediatric cancer. In a nutshell, we sell two things that are hard to come by these days; cash benefits & peace of mind. Paying policyholders cash fast when they hurt or sick. Its that simple. It's insurance for daily living. Not your typical health insurance program where you get nothing in return but higher co-payments and premiums. Check us out for your company. It's worth it!

Selling and promoting wireless products and services to businesses. Activities included, but not limited to cold-calling, canvassing, presentations, and corporate drops.

Assisting home buyers and sellers in the sometimes intricate process of real estate transactions. As a broker/owner my responsibilities includes but not limited to training new license agents, conducting presentations/meetings, cold-calling, mailings, & farming (real estate term for door-knocking). Last but not least, brokering deals...procuring the meeting of the minds between a seller and a buyer.