Author: Michael Todd Oldfield
Part 3 – Here are my plans for the future; ok, let’s say it…. for the rest of my life
Part 2 – My Focus These Days… And Why
In part 1 of this little literary gem I shared my background and where I have been over the last thirty seven years. If you have not read it, please, really… the first 400 pages really moves fast. Hahahahaha. I crack myself up.
Let’s talk about the present now and on what I my focus my professional career; and how that I might be able to help you you. I guess if you really wanted to boil down my work; I do two things really well.
- I help people save as much money as possible. Whether that is by cutting healthcare expenses,
I am an independent, licensed and appointed, health and life insurance broker.
What does this mean? I know it’s a mouthful. Let’s break it apart. First, it means I am independent. I am not captive to one particular company, presenting their products. I can remain objective. I represent many, many companies. This is the great thing about being an independent broker. I can remain on YOUR side and not one particular company’s side. It also means that I have no boss. I have no one putting “sales quotas” on my back; no one pressuring me to sell, sell, sell. I hate that crap. I am not much of a sales person I presume.
I just hate feeling like I have any kind of agenda that is not directly tied to what someone has told me they need, or that solves a problem I know they have. Even though some times people do not know when they have a problem, and it is staring them right in the face.
So, I spend a lot of time reading, learning, and educating myself. I am always looking for ideas that will benefit the 100’s of clients I serve. Sometimes, I will find small solutions. Sometimes I find something HUGE! I love those days. LOL
Second, I am a licensed and appointed. I am licensed by the state of Kentucky’s Department of Insurance (Lic#814418) to be a health and life agent. This means I am continually being tested and I maintain professional insurance, bonding, and educational requirements for both the life and health insurance industries.
I am appointed; meaning that within the scope of those industries, companies have investigated me and have contracted with me to represent them. MOST importantly, these are companies that I chose. These are the companies I believe are the best in the industry at what they do. I stand always committed to these companies and each year, I go through a series of certifications and recertifications for nearly all of them.
Health Insurance Appointments for 2018
- Humana
- Anthem Blue Cross/Blue Shield
- Mutual of Omaha
- Cigna
- Guarantee Trust Life (GTL)
- Aetna
- Gateway
- SilverScripts
- UnitedHealthOne
- Golden Rule
- Delta Dental
- Bright Idea!
Life Insurance Appointments for 2018
- Humana
- Anthem Blue Cross / Blue Shield
- Ameritas
- Protective Life
- Security Life Insurance
- Transamerica
- Phoenix
- PHL Variable Insurance Company
- and several others in process
This means that I help people with all sorts of healthcare insurance relation’d needs, as well as, I help them plan and save for and spend their retirement dollars. I love financial planning as a whole. The people I still see from the 80’s when I was with Dean Witter Reynolds still like to tell me what a service I performed by having them invest in Phillip Morris, Occidental Petroleum, McDonald’s Corporation, zero-coupon treasury bonds, and a variety of 7% triple-tax-free bonds. Boy, those days are long gone, and those bonds have long-matured.
I did so enjoy the investing world; when it was suitable. I just don’t think the stock market is safe any longer; not for people my age and above. It’s just too manipulated against the small time investor. I think I prefer to stick with a little more conservative investments.
And so, this is where I am now. I returned to this business some six years ago as mentioned in part 1… because I could see that with the “baby boomers” coming of age, they were going to need a lot of help. The boomers need solid advisers to help them with healthcare and retirement planning in this uncertain age.
So, that’s what I do. I do it for myself and I do it for all the people around me since they are all my age and above. I help people “figure it out”. I help them save. I help them shelter. I help them avoid unnecessary taxation. I help them avoid unnecessary healthcare expense. I do what I can. A lot of times it is just too late for me to do much.
When I meet with a “turning 65” year old and they look worried about a $32/month Medicare plan because they are not sure if they can afford the premiums, well I know I have someone that is going to have even a much harder time down the road if they should become sick, and have $1,000’s of dollars in healthcare expenses that the plans do not pay for. Oh yah. That happens every day.
Or when I get the call from a client asking me what the cost is for $10,000 in “final expense” insurance. Well, this is someone that has struggled probably all their life. They were not even able to plan for their last expenses until the very end, when it was the most financially difficult? I see it all the time.
It’s very hard on me. Here is a rule of thumb for you to consider; and I pray that you listen to me on this, and learn from the lesson.
The harder the sell by your insurance adviser; probably the better the product is; whatever it is… for you.
For instance, let me tell you some of the products that are the hardest to convince people they need.
Critical Care Insurance – This is very specialized coverage that ALL of us need to protect us in the event we come down with one of the big three (Do you know them? Heart attack. Stroke. Cancer.) Did you know that these three combined are the cause of death for about 70% of seniors that do not die from some type of accident?
So, what did I just tell you? Basically, IF you live to be 65 years old, that more than likely (70%) when you die it might be because of heart attack, stroke, or some form of cancer.
The big 3.
There are these truly wonderful policies that will pay you money if you are ever diagnosed with one of these three. You do not have to die from it… just be diagnosed. And yet, people do not want to spend the money for these policies. It’s just not relevant. Well, not until they feel a breast lump; or a man finds blood in his urine. Then they start wondering and asking questions. Too late. You have to get insurance before you get the illness! People always seem to forget this fact.
Lord help me, if you have one of these in your family tree somewhere, you need one of these policies. Watch a short video by Dr. Marius Barnard, the South African physician that invented the industry more than twenty years ago. It’s excellent.
Imagine finding out that you have Cancer; calling your insurer and they send you a check for $50,000 to put in the bank, pay yourself, while you fight the illness. How glorious.
Imagine having a heart attack and they actually SAVE you. It happens all the time these days; largely due to the fact we are so connected real time through cell phones and the internet, and there are such really good drugs that the paramedics and administer now… raise your heart rate, slow your heart rate. They can nearly make you even do flips if they want. So, good news… they can save your life. And after the hospital sends you a bill for $50,000 for doing so (even if you have decent insurance), you can throw that on the pile you have received from everyone else, because you cannot go back to work right away. Right?
See? That’s the problem. Even if you have insurance, you still have healthcare expenses at the same time that, guess what, you CANNOT WORK. So, you can’t kill it at the J-O-B cause “it” nearly killed you, and at the same time, the bills are mounting.
Is it any wonder that medical expenses are the largest contributor to bankruptcy cases these days?
Don’t even get me started on the need for quality Long-Term Care coverage. Very, very expensive. I just priced a policy for my girl friend and myself. Are are both around 55 years old and for a really good policy, the cost is around $650 a month for the two of us. That’s a lot of money.
Kentucky Health News: Many health-related bills have passed and two have been vetoed; many still wait on the governor; here’s a roundup
Part 1 – A Little More Than a Biography
by Michael Todd Oldfield, April 9, 2018
MY EARLY YEARS IN FINANCIAL SERVICES
It occurs to me that some people would like to know more about me than a canned “bio”. And being that I love to write, I thought I would take some time to tell you about my ongoing career in financial services and a little bit about what I do for my clients.
Today I am 55 years old. Almost 56 actually. I look in the mirror and wonder; whose the old fart? It’s funny. They say that 65 is the new 50… and 50 is the new 40. I don’t know. I am happy to be 55 although sometimes I feel 65. I just want to know who the old fart is. Is that wrong?
Oh. Born and raised in Lexington, Kentucky. I proudly serve families and individuals all over the beautiful state of Kentucky.
I began my career in financial services in roughly 1981; more than 37 years ago. I was a licensed, life agent only at that point, representing a company called Security Financial, which I think was a subsidiary of PennCorp Financial. Security Financial had a very odd product called Driver’s Security; a life insurance policy that paid off only in the event the policy holder died in a car, bus, or truck accident. If desired, a policy owner could add additional riders that would cause the policy to pay off in the event they were killed in a bus accident or on a tractor. The policies only paid off in five, ten, or fifteen thousand dollar amounts. The most you could sign up for was a measly fifteen thousand dollars. Obviously the policies were very affordable. They only cost $59-$159 per year in premium depending on whether you wanted five or fifteen thousand in coverage. There was no health underwriting. Very simple to sign people up for. They definitely fit a niche market in Kentucky; being that we have a LOT of poor farmers on tractors here.
It was a fun job. I was only 18 years. EIGHTEEN! Within three months I was a manager building my own group of agents. However, being that I was so young and immature, I did not remain in the industry long however. I was only eighteen; again. I just was not ready to build a sales career as a financial adviser at that young age. I am not sure I even made it a year. But, I knew I liked the work. I liked helping people make financial decisions. I am honest and I think that comes through when I talk to people.
In October, 1987 I re-entered the industry in a big way. I was hired by Dean Witter Reynolds (now they are Morgan Stanley) to enter their broker training program. Now this was a big job. It was estimated that Dean Witter invested more than $40,000 in each trainee to teach them the business. Looking back I still cannot imagine that they chose me. Although, I definitely showed talent for the work.
My first day was October 26, 1987 which was settlement day for “Black Monday”; the biggest one day stock market crash in history. Now, while you might think this was a terrible time to begin a career with such a prestigious organization. But, it turned out to be just the opposite. It was a perfect time to begin this career. The financial world was in shambles. Investors were lost, bewildered. Their fortunes were 1/2 gone almost; and their current broker or brokers were not returning their calls. They were scared and alone.
Their current investment advisers were hiding from all their calls. Wouldn’t you if you had been the adviser? Imagine for a moment, unexpectedly, in the matter of a few hours, all your clients; people that trusted you had seen a bunch of their net-worth evaporate. there was nothing you could do. If you had 1,000 clients you just could not make time to speak to them all in time. I am kind of glad that I began a week after that crash.
For a young guy with a lot of ambition, it was a perfect time to join the industry. Once I completed the in-depth four month training to get my securities license, including a month in New York City working in the World Trade Center II; All I had to do was create a list of people to call, and start calling them. I must have called 50-200 per day; easy. And signing them up as clients was not difficult. I am an honest, fun, intelligent guy trained by an excellent, leading company in the industry with excellent, conservative growth and fixed-income ideas. They loved me.
I offered great investment ideas and I helped a lot of people. My clients cooked dinner for me. They took me to antique auctions. Lunches. Racquetball matches. Horse races. I was having a blast. I learned so much. I lived the life fully and read everything I could on economics and investing. I could show seniors how to create tax-free retirement incomes above 7%. In fact, during the late-80s and early-90s it was not uncommon for seniors to be able to live on their retirement interest entirely. Boy, those day are gone forever it seems.
I held so many licenses and certifications. I was series 6, 7, 63 licensed of course. Those are the most common securities licenses. I also had my Series 23 and 24; and my life license because I loved writing Annuities. I was licensed as a commodities principal, a registered options principle, and later on licensed to be a manager of others in the industry. I was really credentialed well.
On the anniversary of my first three years in the business, out of the one hundred and six agents that begin in my initial training class in 1987, I was ranked 3rd; quite a nice recognition. I was really good at the work. I found excellent ways for my clients to make money; safely. This was very important to me. Most my clients were seniors; many were very old. They really relied on me to help them find safe vessels for their dollars. I had to help them earn the most money possible with the least amount of risk. I took my fiduciary responsibility very serious. I still do; even more so these days.
CURRENTLY…
Today, I do the same thing, but from a different angle. I am a licensed health and life agent in the state of Kentucky; and an independent broker. I don’t advise people on securities any more; only various insurance products. i have thought from time to time about re-licensing myself as a securities broker again, but the reality is; I am at a different place in my life. I am now an old guy; servicing seniors. I understand their concerns as they were my own. I am very, very conservative and risk-adverse personally.
I have no confidence in the stock markets. I am not confident in our ability to make money safely in those markets. I just think the whole thing is so manipulated these days. It’s just not real I feel. There is no way that I could begin to place my own money in the markets; and risk 1/2 of it in the process; which is always the case I think. I cannot do risk for myself. I just do not have the time. I have about ten peak earning years left in me. Then it will be time to coast on into the finish line. This is my last sprint. My clients are mostly fifty to eighty years old. They cannot take risks that I cannot take. Many are much older than I am. The older we get, the less risk we can afford to take in life. We cannot shoot for big gains which require big risk. We need to know for sure what we re going to have when we retire… or else we will end up greeting better prepared seniors who are shopping our local Wal-marts. Right?
We have to be prepared. We have to plan our finances wisely so as to have the most stable retirement income possible.
And it’s getting harder and harder; what with healthcare costs shooting up, care costs being outrageous, interest rates being next to nothing; and Medicare and Social Security being one step from the chopping block. Can any of us even believe in the viability of Social Security any longer? I have said for my entire life that when it was my turn; it would be gone.
THE TAKE AWAY
At this point, I just wanted to share with you a little bit about my background and where I am today. All told, at this writing, I guess I have really about thirteen years experience in our business and have tackled it from every aspect. I love the industry. I love helping the people. My own age and personal investment strategies have been largely tied to my age at the time I was in the business. When I was younger, I did more aggressive investing tied to growing piles of money with the highest returns; sometimes taking the highest risks. But it always seemed to work out.
These days, I advise people in the most conservative manner and select the most conservative, safe investment options to represent. My goal is nearly always preservation of capital, with the highest guaranteed returns and the most flexibility for my clients.
As we age, we have to have a more flexible investment strategy. We just don’t know what our financial needs are going to be from year to year, or month to month even.
- Will we need hospital care?
- Will we need long-term care?
- Will we outlive our savings?
- Will we have an “income gap”?
- Will we need more or less income? What will we pay in taxes?
- What would happen to our income if we lost our partner?
- What would happen if our partner lost us?
- What will we leave for our kids?
These are all questions we have to not not only know the answer to; but we need to know how to plan for these eventualities. I guess the following pictures outline what I do these days.
Sleepless Nights for 40 Years?
“Bank on Yourself” Policy owned by Pamela Yellen
I help people find guaranteed returns, guaranteed income, with the least amount of risk and tax liability possible. In the next installment, we will talk about this focus and how I might be able to improve your sleeping habits.I don’t know. Which chart would allow you to sleep better?
Want to know more? Then read on and we can talk about the kinds of things I do for people now, and why I choose to do them; and my plans for the future.
PART 2 – Here’s What I focus on these days and why…
PART 3 – Here are my plans for the future; ok, let’s say it…. for the rest of my life.
I Help People Get Completely Out of Debt and Save More for Retirement
I have 100 tough questions to ask you. Just look at the list below. How many of these questions can you answer? This is what I do. I help people make plans to pay off debt, save for retirement, and guarantee some of their later years a little better than they can do on their own. Let’s face it. Nothing is for certain these days. BUT, you really do have to plan at the very least. There is so much uncertainty in the world.
As a Cool Family Banker, these are some of the hardest topics to discuss with people and probably some of the most important.
- What’s your situation currently? Are you living within your means?
- Are you adding debt each month?
- Are you doing well, planning for later in life? Or are you not doing so well?
- How do you feel about your retirement income? Are you 100% sure you are going to have a great retirement or do you have some doubt?
- How much do you have saved for retirement? What % is that of how much you will need when you do go to retire?
- Do you even know how much you will need saved when it comes time to retire?
- How much income will you current amount of savings generate for you?
- How much retirement income will you need when you do go to retire as compared to that?
- How much equity do you have in your life?
- How much do you save now? How often?
- Do you save at all?
- What % of your income are you saving?
- Are you saving or investing?
- Do you know the difference between saving and investing?
- Do you know what you are earning on your savings or investments or both?
- How much of your growth is guaranteed?
- How much of your retirement income is guaranteed?
- Are you paying off debt?
- How much debt do you have?
- How much interest are you paying per year?
- Do you have a plan on how to pay off debt?
- Do you know what your tax rate will be during retirement?
- Do you know what income you will need monthly during retirement?
- Do you know much much your current savings will generate during retirement?
- Do you know where interest rates will be during your retirement?
- Do you know where the stock market will be during retirement?
- How much of your savings can you afford to lose?
- How much of your savings could your children potentially need in an emergency?
- Will you be able to leave anything behind to your children? To your charity?
What If’s. Don’t be scared. It will Be Ok.
Whats your plan should your tax rates go up between now and retirement or during retirement (even worse)? It’s a distinct possibility. Our income tax rates are low now compared to past years… and government debt is through the roof. The money to pay that off has to come from somewhere to pay that off. More than likely it is going to come from us… their ONLY bank.
What’s your plan should you or your loved one become sick? Serious illness costs a LOT to treat. Care costs a fortune. Do you have $100K or $200K or more sitting around to pay for care, should you or your spouse become ill and need to live our their years in a facility.
What’s your plan should you lose your ability to earn between now and when you begin your retirement? Okay. So even if you know where you are today, and where you need to get to and have a solid plan on how to get there, what would happen if you suddenly lost your ability to finish out your plan? What if you could not earn any more, effective today?
What’s your plan should the stock market’s crash between now and when you retire? We have seen this over and over again. Sometimes the market’s do not behave real well, right when we need for them to.
Come see me. Let’s make some plans together.
Getting Out of Debt & Saving for Retirement
- Click HERE for Learn More About Your Family Bank – An Overview to “The Questions” & More About How I Can Help You With This Wonderful Company.
- Click HERE for a List of What Information We Need You to Bring to an Appointment – Here is a handy, dandy list of what you need to bring with you when you come to see me. Not everyone has every item. If you do have these kinds of items, bring the most recent documentation that you have on them. The more accurate our numbers are going in, the more accurate they will be coming out.
I Help People Plan For & Manage Their Retirement Income
Coming Soon
I Help People Create & Protect Their Legacy
Life insurance has been around in some form or another for between 250-400 years. And yet, most of us really do not understand it’s full purpose. All we know is that when we die, our families get a check.
That does not even begin to scratch the surface of everything that life insurance can do. This section of the site addresses the topic of life insurance planning, critical care, and various kinds of LTC, STC, and HHC products.
LIFE INSURANCE
- Life Insurance Products – this page is a nice insurance 101 with a video and basic explanation of the three types of basic life insurance.
- How Much Life Insurance Do You Need – There are many ways to investigate and analyze how much life insurance a family or individual needs in their life. This answer largely depends on why you think you need it and what your goals are.
- Grab a Term Quote – Grab a basic quote on a term plan if you are looking for simple coverage that will cover you for a specific “term” of time.
- Grab a Final Expense Quote – Final expense is generally a long term plan, that offers guaranteed rates with no increases. The policies are usually smaller (like $10,000-$25,000) and the benefits mostly are used to pay for funerals and last minute debts upon passing.
CRITICAL CARE
- Critical Care Insurance Products – Some of the most important coverage out there today. Did you know we are living longer? Did you know that we are surviving heart attacks, strokes, and cancer more often? Did you know that medical expense is the number one reason for bankruptcy in America. Did you know that there is a 70% chance of having one of their problems cause you are world of financial hurt, if you survive?
- GTL’s New Cancer, Heart Attack, and Stroke Insurance Products – GTL has a wonderful new program to protect you against these health issues.
LONG-TERM, SHORT-TERM, HOME HEALTH CARE
- Genworth’s Care Survey – LTC is probably as important as any type of coverage out there. And, no one has their policies? Why? Two reasons; 1 – they are not cheap (although the younger you are, the cheaper they are.) and 2 – because you have to get them while you are still young, you have to pay into them for many years (20-30 years) before you will ever use them. Having said that, there is still a very important place for this coverage in your life. It can save your home one day.
I Educate, Enroll & Support Medicare Beneficiaries
I love educating seniors and those turning sixty-five on how Medicare works and functions. So many have told me over the years that I really helped them understand the Medicare system and how to save money.
Each year during the annual “open enrollment” season I meet with more than four hundred Medicare beneficiaries. I work seven days per week and drive more than 5,000 miles per month. I have a blast seeing everyone and helping them SAVE, SAVE, SAVE!
The Medicare pages above may help you a lot.
MEDICARE SECTION MENU
- Medicare – This section has some good general content on how Medicare works and about the “Medicare & You” handbook. It talks a little bit about some of the things I can do for you.
- Are Your Turning 65 Soon? – Basic information about Medicare if you are just now turning 65 years old. It has a listing of the companies I represent which is important for you to know about. I represent nearly all the companies in the industry, which means I have no ax to grind when we speak. I remain objective and impartial. I am only here to help you save the most amount of money possible.
- The 5 Things You Need to Know About Medicare – This is a postcard series that I sent out to those about to turn 65 years old. Over a period of 8 weeks, these lucky few receive these cards with many tips and suggestions about Medicare outlining the steps they need to take to make the Medicare transition a smooth one.
- The Medicare Supplement Comparison Chart – Right out of the “Medicare & You” handbook, this chart outlines all the major workings of the Medicare Supplement Plans.
- GTL: The Supplement to Your MedicareAdvantage Plan -This is such a wonderful tool when used hand in hand with MedicareAdvantage plans. It literally takes some of the co-pays off the table.
- Medicare.gov Annual Reviews – I love the annual reviews. This is my chance to meet with more than 400 clients, review their cases, and double check their needs to make sure that they have the right Medicare plans to serve their needs. At the reviews, we use Medicare.gov itself to check and double check their expected annual healthcare costs.
- Enrollment Assistance FAQs by the “Medicare NINJA!” – Many of the same questions come up time and time again. So, here are the answers to some of the more common questions you may have.
MEDICARE CLIENT TESTIMONIALS
This year was the second I've had the pleasure of working with Todd to figure out the best health care plan for me. Last year, he took my case very last minute and both years he searched all of the plans to find the best fit! Highly recommend! I can't recommend Todd Oldfield, my incredible Medicare Ninja, enough. With his extensive knowledge and personalized approach, he helped me to choose the best plan for my needs. If you're looking for someone who genuinely cares to guide you through Medicare, Mr. Oldfield is the guy you want on your side. Todd always on top of his game. I appreciate that he can quickly make light work of a very difficult line of products. And he always seems to have a great sense of humor when doing his work! Thank you Todd! Todd is great. Explains everything in detail & always very knowledgeable. He's very dependable. Since I first started working with Todd, he always compares & recommends the best for me & he's always right. Todd Oldfield is the very best! He is so very knowledgeable and friendly, and I never worry about what to do. He always knows the best for me and everything has always worked our great! It was a pleasure to deal with Todd. I know he provides me with all the necessary information needed to make the decisions on my new year's coverage. Thank you so much for the time you spend with me each year. You set me up with such a good plan that I didn't have to change anything. Sweet! Easy! Thanks! Really appreciate Todd’s efforts. Reviewing our Medicare supplement was quick and easy and Todd saved us a significant sum by changing our drug plan. Also updated us for a new birthday rule that may be useful in the future if our supplement must change Todd was great helping us during a move from Florida to KY. He was very patient helping us through my wife's signup and my transition to a different Medicare supplement plan utilizing KY's "Birthday Rule", new in 2024. If you have any Medicare insurance issues, call Todd! Todd Oldfield has been helping me for years to make the best decision for myself. He is very informative and professional. Highly recommend him for your insurance needs. I enjoyed our time together My Medicare Ninja is all that and a bag of chips! Todd is friendly, professional with a great sense of humor considering what he has to deal with every day....Medicare!!! Very pleased and satisfied with his help navigating the sea of insurance. Todd was great. Reviewed all my options to make sure I have the best plans for me. I would and have recommended him to friends and family. Todd is very knowledgeable and helped worked through all my issues. You did a great job! Todd is always so helpful and tries to find the best policy that meets my needs. Todd, I want to thank you for keeping my Medicare coverage the best it can be. Without you I would have spent allot more money for less coverage. Todd does a great job at finding the best insurance for my needs!! Todd does a great job at finding the best insurance for my needs!! I attended a meeting that Todd had and got everything I needed to prepare me for moving forward with my new benefits. I scheduled an appointment with him and he went through every plan with me to ensure that I was getting the best possible plan for my personal situation. You will consider yourself blessed to be a part of the enrollment process he prepares for you. I would highly recommend Todd as and knowledgeable detailed agent. He is a great insurance agent ! Love him always there for me! Recommend him highly ! Todd i have known for many years he helped me with insurance and has been a good friend. He called me from another country just to answer a clients question. thank you for all you do and will do to make life more simple. Help me greatly I had no idea what to do He got me all straightened out. I’m very happy with the results Todd helped me with my insurance and guided me in deciding on the best one for myself and my husband. Tod has been there for me and my husband with every question and advice I needed ! Wonderful kind and caring person ! My husband Passed Away November 15 2022 , he love tod and was there for him and since gone be there for me ! Wouldn’t have anyone but him for my insurance needs! Great Person!! Always there to help you in any way he can. He has really helped me to find the best insurance for my needs. What ever you need give him a try!! Glad I did!! Todd has been very helpful in my choices of health care. Especially what is best for my unique health condition. Todd has been an excellent agent and friend for many years. He has helped me so much and continues to check in with me. He's the best! Todd was highly recommend to me by a friend, as they spoke very highly of him. He has been very helpful and patient with me. I’m widowed and was unsure of where to start. I called Todd and he took very good care of me, and continues to do so. I would highly recommend him to anyone. Everything went well. Thank you so much for your service! I appreciate your help in finding Cindy and I what seems to be the best Medicare “fit” for our health care. It’s a complex decision that involves not only cost, but access to care that meets our needs. You communicate well, and have made yourself available when we had additional questions. I appreciate the time you spent with us and will continue to follow up with you yearly Todd is an amazing person. Not only does he really is experienced in his field he treats you like family. I look forward to using him again in 2024. I am incredibly grateful for the exceptional service provided by Michaed Todd Oldfield. Their professionalism, attention to detail, and dedication to finding the best coverage for my needs are always outstanding. I highly recommend Mr. Oldfield to anyone seeking reliable and trustworthy insurance services. Todd helped me choose between several health plans. He reviewed three of them and got the best of the three for 2024. Thank you. I was very satisfied, you really helped me to understand what I was getting! I appreciate you taking the time to explain everything to me! Thanks Todd Thanks Todd for keeping things easy for me. I appreciate you. Todd has been helping us find the best Medicare supplements for 7 years now! He’s the BEST! Trustworthy and Kind…always has our best interest in mind as he looks over what would be the best coverage. Thanks Todd for making it so easy in the annual “search”! Todd goes above and beyond to find the best for a client by successfully navigating a confusing insurance landscape. It isn’t a one size fits all, rather a detailed evaluation for each individual’s plan. You are the greatest! Great person! Doing a great job! Great job Todd always does great work. He explains what options I have and provides his opinion if he thinks it is better for me. I really appreciate his expertise. Postage isn't cheap Updating insurance Todd has driven many miles for over 10 years to personally ensure I have the best coverage to fit my needs. He is most dedicated agent you could have. Good job I have been with Mr Oldfield from the second year of eligibility, so a very long time. I don’t have to worry about anything. He always meets and exceeds all of my expectations. I have referred many family and friends to him. Once you go to the “Ninja” you never leave him. Being retired from the medical insurance business, you won’t find a more dedicated, knowledgeable and trusted individual in your corner. you are good Todd! Served me well over the years. Looking to see if better coverage than what i currently have. The photo is of me and my husband. However I am the only one interested in appt. Currently have a Medicare advantage plan Todd helped me a great deal. Pleasant and gave clear explanations for the uninitiated. Easy to reach for any problems or concerns. Was available when I needed him. Todd is very professional and explains all you will need. He is so easy to talk with and is very thorough in his search for the right plans you need. He will not waste your time and you will feel confident using his service! Love this man Todd been taking care of my Health insurance for the past 10+years He is the Best Todd helped me a great deal. Pleasant and gave clear explanations for the uninitiated. Easy to reach for any problems or concerns. Was available when I needed him. Made it as painless as possible for us to obtain Medicare supplements and drug plans that were in our best interests Thank you for Following up with me. Have enjoyed working with Todd for several years now, trust him completely. Todd is great! Knows his stiff and takes the time to explain any questions. Very belpful! I really like ninja he takes good care of me Thank you very much your friend Arville Simmons I am just starting Medicare this December. Todd has been so helpful. I don't know what I would have done without him. He is truly a blessing. Todd is a very knowledgeable —he KNOWS insurance. And has kept me on track for 3 years now. Todd has given me excellent service for 3 years. You have always been there for me. You explain y options so that I could understand. You have baan a friend to me and I appreciate you. Saved me money on my health insurance premium. Helped me file forms for GTL insurance. Go me connected! My husband and I started with Todd after we decided not to go back to Winchester to an agent. Todd has been wonderful with us. He cares and makes sure you get what is best for your needs. Would not have anyone else but Todd. Todd opened my eyes on opportunities for my retirement savings as well as my options for my healthcare. Plus, he's fun! Todd helped me by coming to the house due to my fall and I cannot walk. I attended a class. Todd helped me with my Medicare & savings! Todd has always been there for me no matter what I needed help with. He is a very updated and knowledgeable agent. He is very nice and helpful even if he has to drive a long ways to get to you. Thank you Todd Todd came to my house and I felt he and I had known each other for years. He showed me how I could save and believe me, I have saved! I love Todd! Even though I had years of medical insurance billing experience, Todd help me navigate the Medicare options that were the most financially beneficial for me and my current situation. I trust Todd and appreciate his knowledge and sensitivity to people on fixed income. Stephanie S He got me some relieve of prescriptions. Helped me with my Medicare and recommended additional supplement for future coverage. You cost me money. You at all my chili but you licked the bowl clean HO HO! Saved me money - I feel better knowing I have more coverage -
Mr. Todd is a good person - is willing to take time to help you in all your needs. Todd helped me to get an Anthem Advantage Part D Plan. It is working fine but I want to add eye and dental. I know Todd will help me with that too. I am very satisfied with Todd Oldfield, My out of pocked expenses have been minimal!
Todd has always been available any time I have questions. He has helped friends of mine with good coverage as well. Todd helped me with my Medicare. Todd helped me save money on my healthcare Todd did all the leg work to get the most for the least. For me, it saved me a tremendous amount of time and frustration. You saved me money on my insurance. You save me money on my healthcare now that I have had a pace maker. I had it put in February of this year. Todd has put up with me and I really appreciate it. Thank you, Todd! Todd is an excellent man & sure is intelligent person. God Bless him. ~Lillie Todd helped me navigate the crazy world of Medicare and I would be lost without his knowledge and expertise. Very well & God Bless You. I want to thank Todd for suggesting that I purchase a supplemental insurance ("GTL"). I had a bad fall and broke both shoulders. Without the insurance, I would have had more co-pays. Thank you, Todd. Todd helped me get an insurance plan that saved me almost $300. Also I can get OTC drugs. More coverage. Less money. I now have peace of mind. Todd is an awesome person that has taken care of me for the last few years. Love the personal detail and with a fine tooth not missing a beat with my Medicare needs. Has helped me one on one and he is very unique and one of a kind. Yes. Save money on my insurance by using a better plan. I have been so please with Todd. I have been working with him for 4 years. Always does a great job checking each year! Always asking all the questions to see if my needs have changed.! He is the real deal! TREMENDOUS HELP! HE SET ME UP WITH A LAN THAT PRESERVED MY SAVINGS THOUGH MULTIPLE HEALTH CRISIS, SOME OF THEM QUITE SEVERE. I trust Michael Oldfield. He's been my agent for years. He always makes time for me. Always makes time over the year to explain any changes. If I have any questions, I can call him. If he's not available, he calls me back soon as he can. I probably would have changed a long time ago if Mr. Oldfield wasn't my agent. He's like family.
...I want to hank you SO much for guiding me into a supplemental insurance policy. I have had a really rough year, health wise. In September last year, I got a fracture in my lower back. In December I got another one. I went through therapy, shots, etc. Long story short, I had surgery on July 10th. He put rods and screws in and I am doing better with that. Still in some pain, but considering the excruciating pain that I was in, I hate to even call it pain. I have had pain and weakness in my left leg since the surgery. He thinks I have a pinched nerve or a damaged nerve above where he put the rods in and he is still working on this problem. Again, thank you for all you have done for me. If it wasn't for the supplemental insurance, I could not have had any of this done. I have been to more doctors and have done more procedures done this past year than I have in my entire life combined. That includes going to my doctor every 3 months for my diabetes (which is doing great). I know my insurance premium will probably skyrocket, but I am so blessed to have had a way to get this done... Very sincerely. RF Todd helped me pick a plan that best covered my needs. Saved me money on not having to pay monthly premiums and on prescriptions (by receiving them in the mail.) Saved me more than $2,000.00 per year.
Todd saved me a specific amount of money. Todd increased my coverage. Todd gave me information for different plans & price & how to use them to my benefit. Thanks Todd He helped me find the proper health care coverage for me. Saves me money. Yes. You sure have saved me and Phyllis lots of money and hope to keep saving. Thanks. Yes, we feel you have helped us. Fortunately I have had no measure illness. Mr. Todd has been of great professional assistance for our Humana Medicare insurance. Saved on prescriptions. My cool agent Todd is an amazing, great thorough and knowledgeable man and has the personality to go with it. Todd was a great help to me this past year on a claim for me. Found out Medicare or Humana didn't pay for a chair lift for our home. He will answer any questions I have for him. Thanks Todd TODD DROVE TO MY PLACE TO HELP ME FILL PUT SOME PAPERS THAT I NEEDED. HE DROVE A LONG DISTANCE ON A RAINY DAY TO HELP ME. HOW MANY PEOPLE WOULD DO THAT? HE REALLY CARES ABOUT HIS PEOPLE, AND GOES ALL THE WAY TO HELP WITH WHATEVER HE CAN. I AM SO GLAD THAT I HAVE MEET THIS MEDICARE NINJA, AND I TELL ALL MY FRIENDS ABOUT HIM. HE IS SUCH AN ASSET TO HIS COMPANY. THANK YOU ~T. BRUNER Todd helped me with advice on a long-term care policy that I have had for years never used but it, was changed and the cost went up, and services afforded went down. I feel his advice was the best I could have found and was available. He is a special man devoted to his clients. He helped willingly and it meant nothing to him or his time. Todd explained things to me so I could understand it. He pointed out this policy that world be the one better to save me money. Todd helped me get my insurance cheaper. Todd is very specific -- cutting to the chase - helping save money on healthcare and it great! And fast! Todd has always helped me in finding more reasonable prescriptions within the area. Todd was very detailed and covered my every need. Very nice, trustworthy as well. Honest in explanation and knowledgeable about what he was talking about. Knowing that Cool has my back is a advantage. Todd helps all around. Mr. Todd came to me on a day's notice, and advised me of my options and helped me chose the plan that best suited me. He is great at his job and very knowledgeable of your choices. I would recommend him to anyone because I have to my own family members. I am also proud to call him a friend. I would be lost without Todd. Todd has always been very helpful. He explained thoroughly the plans available and which would suit my needs better. On top of that he's always been very friendly and has a good personality. Todd told me about OTC plan (vitamins, etc.) that I was not aware of. Saves me at least $45 per calendar quarter. Every $$$ counts. Very pleasant to work with. Todd helped me on my medical prescriptions with lower prices for me to pay. Dear Todd Oldfield; We were very pleased to of found someone we can rely on that will return calls if needed and always with sincere humor always ready to answer our questions. We feel you saved us money and did not increase our premiums. That's a plus! We love doing business with you. Hope to always have you around. Stay cool. Sincerely. Todd help me save on Medicare and healthcare. He was very nice and helpful to make us understand our plan more completely. He saved us money also! Todd Oldfield has been very helpful in regards to our health insurance and has been very dependable. Todd was extremely helpful with my Medicare intitial application for prescription coverage. Todd returned twice to ge everything just right. I learned cheaper isn't always better. Thanks, Todd Bonnie
Todd saved me money on my prescriptions. I love the Silver Sneakers program. Todd helped me save money and was really good with the paperwork. He showed me all my options. He helped know which was the best way to go on my insurance. Then last year he helped me get some bills cleared up through my insurance after a surgery. He was kind, patient with me, and wonderfully helpful. Todd helped me pick out the right package for me. He explained everything to us so we understood it. Very nice and well mannered. Yes. Todd helped me save money on my prescriptions and health care. You have saved us money. Hope you can keep saving us money. Lots of the medicine is a racket. Thanks for being there for us. Todd helped me very much. He answered all of my questions. Calmed my fears. The plans you picked for me worked great. Thanks. Todd helped me with answers when I need help. Thanks a lot! Todd helped me transfer to Humana without any problems. Todd showed us an insurance plan that was right for us. The process was quick, simple, stress free, no-hassle. Amazing! God Bless you and thank you! Yes. It saves me money! Helped me know what I needed. Very kind and helpful. Anytime I've had questions Todd has always took the time to explain what I need. With health insurance as it is today, we need someone to "stand in the gap" for us. Todd is not only our agent but has become a dear friend as well. Really do appreciate him. You helped me understand my healthcare and my Medicare. Thank you. Todd was good about meeting me at a location closer to where I live. Thanks for helping me get my meds! An for all the trouble you have gone though trying to get my Medicare Part B straightened out. See you soon. Todd saved me money when he explained the benefit of an HMO instead of the PPO I had for years. Given my good health status I do not go to the doctors much. Todd also looked up different PCPs for me to choose from. Very helpful. I have never had this much help! Todd saved us money on insurance, Medicare and he can answer all your questions. Todd helped me get set up with Humana Advantage plan. He made it easy and I greatly appreciated that. Todd helped me save $18.80 on my prescription medications. Mr. Oldfield helped my husband and I get his retirement plan plus social security for us in order. Had I listened better, I would be paying less for a drug plan. Todd, You saved us money and we were so happy I ran into you at Wal-Mart. We found you to be a really nice quy and look forward to working with you next year. I will make you chili again!
Todd found me the best plan with the most options for less money. Explained in detail the various components of my policy and how to save money. Todd has always been very helpful in answering any questions I have had. Has also helped other family and friends. The most helpful agent ever. Very Informative! Todd was an absolutely wonderful in helping us to navigate our way through the medicare and supplemental insurance hurdles. He took the time to explain everything for us and was very knowledgeable. I would highly recommend him. I was very impressed by the excellent meeting I had with agent Todd Oldfield from the 'cool' group of agents. He was very through, professional and knowledgeable. He had the answer to any question I had and further was not in a rush, seemed like he thought I was a human being as opposed to just another commission. He also met me at a little deli about half way between Lexington and my little home down on the Kentucky River. [to tell you the truth I believe he would have come all the to my home but I would not ask that of anyone without a 4 wheel drive vehicle that had a ground clearance of at least 10 inches. But I bet he would have . ] If the rest of the agents associated with the 'Cool Group' are anywhere near the caliper of Mr Oldfield then this is certainly the place to shop for your insurance needs. In my case I was to start with Medicare. (the government seemed pretty adamant on this point) The plan Mr Oldfield laid out was with Humana and I truly believe that I came out with better than I could have by just letting the government give me whatever their concept of health-care is, the Humana folks picked up from there and sent me a great deal of info on my plan and continue to be on call for any questions I may have.
Now I just need to get sick. OK, no I really do not want to get sick, but it's a comfort to know that I have good coverage and then some. I did book an appointment for a check-up and place an order for my monthly $30. worth of over the counter items including a blood pressure cuff w/stethoscope. Yours in Liberty, Todd came to my house instead of me having to go to him. He sat down and explained Medicare and supplemental health insurance fully. Through his computer program he defined best program for me. Additionally best RX program and saved me ENORMOUS time and energy. "Best insurance agent I have dealt with."
He is very knowledgeable, with insurance needs very helpful. If he does not know the answers he will gladly find out and get back with his client. I like his work ethics. Nice. Polite. Todd has always explained the choices well. He has been available anytime I or friends of mine had questions or issues about payments. He has become a friend. Mike (Todd) was extremely helpful with my insurance coverage. I feel he got me the best possible insurance and at the least cost! Very, very knowledgeable. My agent, Todd Oldfield was very professional and very well informed. Mr. Oldfield came to our home and explained the choices of supplements. He was very knowledgeable and patent when we asked questions and I feel I can call him anytime if questions arise. I want to thank Todd for making a big difference in my life. Since I am turning 65 soon, Todd came to my home and reviewed my current insurance. I am thoroughly confused by insurance companies. Todd showed me that I have been paying $60 a month, for the past 6 years for a policy that has covered nothing. Todd made phone calls and prepared the necessary paperwork while he was at my home. Now I have the coverage I need, extra money each month, and Todd as my agent to make sure my insurance needs are met. He is also very friendly and by the time he left, I felt like we were old friends. Thanks Todd!! You surely must know you are appreciated by all your clients. The labyrinth of insurance details is messy business. A person needs people like you to sort out the messy, confusing options. Aside from making an informed choice, you were especially pleasant and kind. The speaker clearly knows the material. I came away feeling like I had a much better understanding of Medicare; it's components, my exposure to financial risk should I become ill, and how to protect my finances. Michael Todd is one of a dying breed of sales reps. He knows his product , is very sincere and honest and as dependable as a mother. He loves his job and strives to be the best for you; the customer . |
Kentucky Long Term Care Insurance | LTC Tree
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