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Hi,
My name
is Victor Orlow and I am a veteran Independent Insurance
Producer, meaning that it is me - not my employer - who
chooses the best plans for you. Being independent gives me
the power to design the best health, income or travel
insurance solution for you, your family or employees. I do
not consider myself a salesperson. I am rather an educator
and your personal assistant helping you to make vital
decisions in protecting your lifestyle and well-being. I
have the knowledge that is very important to you and your
loved ones and I am always happy to share this knowledge
with you. After we together choose the best plan for you,
my next goal is
to offer
excellent follow-up service so that you will have no
reservations about introducing me to others you care about,
thus giving them the opportunity to own this valuable peace
of mind.
The reason I started this new project
CancerInfoLine is obvious. Having met and talked with
hundreds of people, a great majority of them - just like the
characters of the video interviews you have probably just
watched and others available at
www.kff.org – were absolutely sure
their major health insurance covers all their medical needs.
What they were not aware of was the fact found by American
Cancer Society in their report “Cancer Facts and Figures” in
1998 that medical costs is only 34% of overall expenses
related to cancer treatment and covered by major health
insurance, leaving the rest 66% to be paid by patients
out-of-pocket. So that was not medical costs that ruined
financially those people, but co-pays, deductibles,
travelling and lodging, home care, leftover medical bills,
lost income (quite often of both spouses) plus their regular
bills like rent, mortgage, food, credit cards, insurance,
school, etc. that still had to be paid no matter they were
too weak to work and earn money.
With tons of
histories like that in my memory and my knowledge how to
amortize financial impact of cancer and other catastrophic
illnesses, I made up my mind to make this knowledge
available to as many people as possible. I consider this my
mission. I have already helped a lot of my clients and every
time I do this I feel great satisfaction for being able to
help them protect their most valuable assets – health and
incomes - before the drama happens.
My Bio
Born in 1956 in Minsk, former Soviet
Union. Graduated from Minsk State Pedagogical University.
Married in 1984 and moved to Poland – to the homeland of my
wife. She is a PhD in Russian Philology and is adored by
students and colleagues. We have two adult children – our
daughter graduated from Gdansk University in Poland and our
son is a student at Lasell College, MA. Having won a Green
Card lottery, in 2005 we moved to the USA. First we stayed
in Northern New Jersey, but in 2008 moved to beautiful and
sunny Florida and currently live in Lakewood Ranch. Together
with us lives our black cat brought by our daughter from
Poland after the graduation. I speak natively Russian and
Polish and work hard to add English as a third native
language. My hobby is very ordinary – life. |
COST OF CANCER
