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LISTEN, UNDERSTAND, RESEARCH, HELP. Money management has a new reality. Financial-planning efforts must consider “the whole client.” We offer a multi layer approach that starts with education. We strive to gain your trust then deliver the results you seek. At Gelinas Financial Group, Inc., our passion is supporting our clients by adding value: You need information to make correct decisions. We’ll help you achieve higher levels of success and better process management through cutting-edge solutions, training, mentoring, and continuing education. Our objectivity and independence mean you get the financial-planning and risk-management solutions that meet the unique demands of your present situation. We offer our expertise in the following areas: Financial Planning Retirement Planning Insurance Investment Coaching Annuities More Hope is not a strategy. We meet with our clients regularly to scrutinize their investments and make adjustments.
Have You Checked Your MIB File?
2No, we're not talking about what The Men in Black might have on you. The MIB Group keeps records of every applicant for an individual Life, Health, Critical Illness, Disability, or Long-Term Care policy to some 470 U.S and Canadian participating insurance companies during the past seven years.

MIB (originally the Medical Information Bureau) maintains this database to ensure underwriting standards that curb fraud. For example, if one insurance company rejects an applicant because of a congestive condition and he or she "forgets" to mention this diagnosis when applying to a second company, the person's report would raise a red flag.

When you apply for coverage, the insurer will have MIB send you a pre-release notice and authorization for release of your report to sign and return, together with your application. Your report does not contain detailed medical records - just codes that identify medical conditions or tests which might affect underwriting your policy. However, MIB specifically prohibits companies from relying solely on the report to make a coverage decision.

You're entitled to one free report a year - don't fall for online scams that try to charge you for this information! To receive your copy, call (866) 692-6901 and provide proof of identity (name, address, DOB, Social Security number, etc. If you think information in your file is incorrect, you can send a written dispute to MIB, which will investigate the discrepancy.

Shawna Kreis
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