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John G. Brady Specialty: Impaired Risk Life Insurance, Long Term Care & Disability President Essential Strategic Partners, LTD 100 Jericho Quadrangle Suite 325 Jericho, NY 11753 Phone: (516) 934-9224 Alt. Phone: (516) 398-2089 Fax: (516) 934-9207
Group(s): CFL North Shore |
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§ "I can finally protect my family!" These are the words we always want our clients to be able to say. Working in the “Age Imminent Dilemma©” of impaired risk underwriting, those six words are music to our ears. John G. Brady is the founder of Essential Strategic Partners, Ltd, an insurance firm focused on providing insurance for individuals in impaired risk situations and wealth protection strategies for those clients. § Twenty years of experience, most of which has focused on the age 50 plus client, has proved to be a unique opportunity for my clients. Unlike the younger aged insured’s who tend to be in excellent health, our baby boomer and older clients tend to be on some type of medication or have one form or another of impaired risk. § Impaired risk typically refers to a history of heart disease, cancer, diabetes, memory loss or sleep apnea. In some cases, impaired risk can be non-medical [i.e. poor driving record, foreign travel to countries at security risk]. These situations require specialized skill and experience to secure the most favorable offers available from life insurance companies. Giving underwriters more information to help formulate an accurate client profile is of critical importance in placing the proper coverage. § In the early 1990s, while co-hosting of “The Insurance Forum” radio show, many listeners had specific concerns about high blood pressure, cholesterol, diabetes, arthritis etc. Also, as a guest on the cable television program, “Money Talk”, Mr. Brady shared his approach to working with the age 65 plus audience and their concerns about long-term care protection. Most recently, in an interview for the Gold Coast Gazette, the most important aspect of business was discussed: "Relationship and Trust". Without a solid relationship and unshakeable trust, it doesn't matter how much knowledge you’ve acquired. § As a guest speaker to Stony Brook Universities retirees Mr. Brady has shared how to prepare for transitioning insurance needs from the working years to the golden years. Also as a guest speaker at many financial seminars he explains why Life Insurance & Long Term Care Insurance needs to be viewed as an asset class for comprehensive long-term planning. § Although Mr. Brady’s education is in management/marketing, the real education has come from 20 years of working with clients having health impairments. Patience is a critical attribute when working in the impaired risk arena. Patience with clients, patience with underwriters, patience with doctor's offices supplying needed information. With patience also comes a great need for a methodic process to manage and keep all parties on track to carry this effort to completion. § We use “The AID” [AID - Age Imminent Dilemma©] check list to not only monitor a cases progress but to establish an expectation for the client of what needs to be done and when each step is executed. Impaired risk underwriting creates hope and opportunity for those who thought their health would preclude them from protecting the people they care for the most in their life. § Essential Strategic Partners, Ltd has relationships with most insurance carriers and offers advice for each client situation/problem and their potential solution. Mr. Brady is also a registered representative offering securities through New York Life Securities LLC, member FINRA/SIPC, a licensed insurance agency. § When he is not engulfed in insurance negotiations, Mr. Brady spends his time with his wife, Nancy, and their three children, Bridgette, Cody and Dylan. Most family days are either at the ice hockey rink or coaching travel soccer. And for some group fun Mr. Brady performs [guitar & vocals] a concert in the park annually at Memorial Park in Sea Cliff, NY.
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