Americus, Georgia – Client First Insurance Solutions is pleased to announce its twentieth anniversary in the insurance industry. Since its establishment in 2003, Client First Insurance Solutions has been dedicated to delivering top-notch insurance services that prioritize clients’ needs.

Over the past two decades, Client First Insurance Solutions has grown into a leading insurance agency, serving clients across Georgia with clients on the East Coast from New York to Florida. The company has established a reputation for its commitment to excellence, customer satisfaction, and innovative insurance solutions. In 2020, Client First Insurance restructured to become an employee-owned insurance agency with every employee an owner or on the path to ownership.

“It has been amazing to watch and be a part of the growth Client First has experienced — especially in the last two years. I’m thankful for the quality of customer care that’s a part of this business’ 20-year history, and I’m also thankful for the opportunity to help cultivate it every day,” said Tamma Phillips, one of the partners of Client First Insurance Solutions.

“Reaching our twentieth anniversary is a significant milestone for our team, and we’re proud of the progress we’ve made over the years,” said Kirk Lyman-Barner, the Founder and President of Client First Insurance Solutions. “Our success is a testament to our hard work, dedication, and, most importantly, our commitment to putting our clients’ needs first.”

As Client First Insurance Solutions marks this significant milestone, the company looks forward to continuing to serve its clients with the same level of passion, commitment, and expertise that has defined its operations for the past two decades.

Jody Wade joined CFIS in February 2021, bringing long-standing community ties and a dedication to expanding the agency’s commercial property and casualty book of business. “I have enjoyed the opportunity to not only grow our presence in this market, but also to help start-up businesses find the coverage they need at a value that fits their business plan.”

About Client First Insurance Solutions

Client First Insurance Solutions is a leading insurance agency located in Americus, Georgia. The company specializes in providing a wide range of insurance solutions, including auto, home, business, life and health insurance, with access to hundreds of carriers. The agency’s commitment to providing exceptional service to clients has made it a preferred insurance provider for many individuals and businesses in Georgia.

Client First is a member of the Professional Insurance Agency – Southern Alliance, the Iroquois Group Network of Independent Insurance Agencies and a partner of the United States Worker Cooperatives. The agency is an Elite Plus Circle of Champions member as awarded by Healthcare.gov and Kirk is frequently interviewed by The Atlanta Journal-Constitution about issues related to health insurance.

We are excited to invite you to our referral program!

There are perks to referring others to our agency and we don’t want you to miss out on this opportunity. As part of our new program, we are giving away local restaurant gift cards to clients who refer their friends.

Be sure your referral identifies you as the person who referred them to us.

This is our way to thank you!

To qualify, the person you referred needs to get a quote.
No purchase is required.
The quote can be from any of these product lines: business, life, health, home, and auto insurance.

Limit: one gift card per quarter.

Don’t let these five misconceptions delay you from protecting your loved ones with life insurance.

H2: More people are preparing for the unexpected
The untimely death of a loved one once seemed like a remote possibility. But the pandemic has brought a new awareness of how vulnerable life can be. Numbers from LIMRA, a life insurance knowledgebase, tell the story:

● Nearly one-third of consumers surveyed (31%) say COVID-19 has made them more likely to purchase life insurance within the next 12 months

You only need to type “funerals” into the search field at GoFundMe to see endless tales of the heartbreaking loss of a loved one, followed by financial crisis for their family. The truth is, life can be breathtakingly uncertain. But the financial impact of a loss can be avoided with life insurance.

We’ve partnered with Ethos to help you find the right policy for your needs, with zero hassle. Get your no-obligation quote in seconds.

The bottom line: Millions of Americans lack critical life insurance. But today, getting coverage is simple with Ethos.

H2: Do these thoughts sound familiar?
Here are five of the most common reasons people put off getting life insurance—and why you should rethink them.
1. I can’t afford it. Research finds people wildly overestimate the cost of term life insurance. Millennials especially overestimate by 5–10x! In fact, a healthy 35-year-old non-smoker can buy a 10-year, $1,000,000 term life policy for about $65 per month through Ethos. That’s less than the cost of many auto and home insurance policies. And of the three—car, house or family—which is more important?
2. My life insurance coverage through work is enough. Workplace coverage is typically 1x salary. That’s not enough to help a grieving family maintain their way of life and fund long-term goals like college tuition. Also, if you leave a job, you can’t always take your life insurance with you.
3. I don’t want to think about it. An Ethos application takes most people less than 10 minutes to finish. There’s no time like the present to spend a few minutes getting the protection your family needs. In the time it takes you to finish your morning coffee, you could be approved for coverage.

● The longer you wait, the more expensive life insurance gets. Healthy, younger adults can get the most coverage: up to $2M in term life through Ethos.
● Circumstances can change and future insurability is not a given. Once you get coverage, you’ll never lose it due to health changes.

4. I don’t need it. Some people believe they’ve got sufficient assets to protect their family if the worst happened. In other words, they plan to “self-insure.” It sounds good—but it may be unrealistic. Consider:

● Forty-two percent of Americans would face financial hardship within six months if the primary wage-earner were to die unexpectedly, according to LIMRA.
● A middle-class child born in 2015 will cost nearly $300,000 to raise to adulthood. That’s not counting the cost of college; currently about $80,000 per year for an Ivy League education.
● Did you know that life insurance policies can offer benefits even while you’re living? For example, if you get a policy with a standard terminal illness rider, you could access a portion of the policy’s death benefit if you become terminally ill.

The truth is, you can choose a policy with much more coverage than you can provide on your own, for an affordable rate.

5. The process is too complicated. This used to be the case. When you wanted life insurance, you had to schedule a medical exam, then wait weeks or months for approval from a carrier. But the Ethos process is built for the way people do business in the 21st century, with no need for blood draws or other intrusive tests. Ethos’ technology enables us to approve about 95% of people aged 20–85 in as little as 10 minutes—with just a few health and lifestyle questions.

H2: Take action to protect your loved ones
If you’re ready to make a plan for life insurance, start by getting a quick quote from our friends at Ethos.

Repost from: South Georgia Technical College

The South Georgia Technical College Foundation presented Commercial Truck Driving student, Julissa Gutierrez of Oglethorpe, with a $500 Client First Insurance Solutions scholarship recently.  Jody Wade from Client First Insurance Solutions was on hand to make the presentation.

   Client First Insurance Solutions funded five Commercial Truck Driving Scholarships at South Georgia Technical College.  Gutierrez was the second scholarship recipient.  Richard T. Simpson of Talbotten, GA was the initial recipient. The scholarships are being awarded to South Georgia Technical College Commercial Truck Driving students who aspire to become owner/operators.

   “We are very appreciative of Client First Insurance Solutions for their willingness to partner with South Georgia Technical College through their sponsorship of these scholarships for this high demand career field,” said SGTC President Dr. John Watford.

   Jody Wade of Client First Solutions thanked Dr. Watford and SGTC Vice President of Institutional Advancement and SGTC Foundation Executive Director Su Ann Bird for the opportunity. “We are very pleased to partner with South Georgia Technical College for these CDL scholarships. We realize truck drivers are essential workers and they are responsible for delivering goods to our communities.  This is our way of showing appreciation to those individuals who are choosing to enter this career field,” said Wade.

   The primary focus of Client First Insurance Solutions is to meet the needs of its valued clients and prepare insurance solutions for the things that matter most.  They provide auto, home, commercial, life insurance and more.  They service clients in Georgia, Virginia, West Virginia, North Carolina, South Carolina, and Florida.

   Dr. Watford shared that “statistics show there is a current shortage of truck drivers and this is predicted to increase over the next few years. Almost every job ad you see is advertising for certified drivers.  South Georgia Technical College is striving to meet that demand by expanding its Commercial Truck Driving training program and these scholarships are a tremendous help.”

   Commercial Truck Driving is one of the Governor’s High Demand Career fields that qualifies for additional funding through the Hope Career Grant program.  Qualified residents receive up to $1000 toward tuition for enrolling in the CDL program.

   The Commercial Truck Driving program at South Georgia Technical College is an eight-week program and can be completed in day or evening classes.  The curriculum includes in-class work, skills-field training, and on-the-road experience.  The median annual wage for heavy and tractor-trailer truck drivers was $47,130 in May 2020.

   South Georgia Technical College is currently registering students for Fall Semester.  Fall semester begins August 18^th.  To enroll in the CDL classes, contact the admissions office at 229-931-2394 in Americus or 229-271-4040 in Cordele.  For more information about the CDL program contact Robert Cook at rcook@southgatech.edu or visit the SGTC website at www.southgatech.edu.

   South Georgia Tech offers over 200 associate degree, diploma or short-term certificate of credit programs of study.  Now is a great time to get the training needed to update or start a new career!

Photo:  Shown above (l to r) are South Georgia Technical College President Dr. John Watford with SGTC CDL instructor Ken Hair,  scholarship recipient Julissa Gutierrez with Client First Insurance’s Jody Wade making the presentation.  Also shown is SGTC CDL Instructor Ken Coptsias.

On April 1^st, 2022, Client First Insurance Solutions purchased the assets belonging to the Newman Agency, another local insurance agency founded by Mr. John Newman.

Mr. Newman, who has decided to retire, is working closely with the Client First team to ensure a smooth transition, and had this to say to his former clients:

“We have always strived to give the best customer service to our insureds and I am confident that Kirk and his staff at Client First Insurance will be able to maintain that same high level that you have come to expect. I will miss you all and wish the very best for you.”

Any insurance policies written and maintained by Mr. Newman will continue to exist and will not be modified; the only change for customers will be that Client First will process payments, endorsements, and any other policy changes instead of Mr. Newman.

Client First Insurance is located on Lamar street next to Sweet Georgia Baking and is open from 9:00 am to 4:30 pm. Questions about Life, Health, Home, Auto, and Business insurance needs may be directed to Client First at (229) 596-1002. 

Client First Insurance Solutions invested in Americus recently when it presented the South Georgia Technical College Foundation with a $2500 check to establish five Commercial Truck Driving scholarships for the 2021 – 2022 academic year. The scholarships will be awarded to South Georgia Technical College Commercial Truck Driving students who aspire to become owner/operators.

Commercial truck drivers are in great demand and this demand is expected to increase over the next few years. Client First insures many commercial truck drivers and is proud to fund this scholarship to encourage more students to take advantage of this growth industry.  

“We are very pleased to partner with South Georgia Technical College for these CDL scholarships,” said Kirk Lyman-Barner, CEO of Client First Insurance.  “Truck drivers are essential workers and they are delivering goods for our communities.  We would like to show our appreciation to those individuals who are choosing to enter this career field.”

Finding the best commercial truck policy – most coverage, lowest premium – can be a challenge, but Client First Insurance has been doing it for years and is the go-to agency for commercial drivers. Our currently insured drivers continue to refer other drivers to us because we are trustworthy, honest, and really do put our clients first. 

For a quote or more information, give us a call. We know the territory, our drivers know and trust us, and we’ll do our best for you, guaranteed.

Read the Press Release from South Georgia Technical College here.

In a blow to consumers insured on the state’s Obamacare exchange plan, Blue Cross Blue Shield of Georgia has proposed to raise rates an average of 40.6 percent in 2018.

Blue Cross said that if policy in Washington weakens the exchange, it may even pull out of the Georgia Obamacare market.

The insurance company is the only one left that insures residents in every county in the state under the Affordable Care Act, also known as Obamacare. Three other insurance companies have signaled they will continue offering plans in parts of the state. But they, too, have proposed rate increases: averaging 12.4 percent for Ambetter, 18.6 percent percent for Alliant and 25 percent for Kaiser. Humana is staying in the small-group market, but it announced earlier this year that it would drop out of the individual market.Read more

AMERICUS – Americus resident, Kirk Lyman-Barner, was recently recognized as one of the top performing agents and brokers in the country by the Centers for Medicare & Medicaid Services (CMS). This nationwide recognition as a member of the HealthCare.gov Champions Circle goes to agents and brokers for their success during the 2017 Health Insurance Marketplace SM1 Open Enrollment. Agents and brokers, who are certified through a registration process in order to assist people in enrolling in health insurance through the Marketplaces via HealthCare.gov, receive recognition when they exceed 20 consumers making plan selections on HealthCare.gov.

“Agents and brokers, like the ones we have recognized, are there for people in the community,” said Kevin Counihan, Marketplace CEO. “They help people get the coverage they need for their families, when they need it.”
The HealthCare.gov Champions Circle recognizes the hard work of agents and brokers who improve access to health insurance in the community during Open Enrollment. Agents and brokers in the Champions Circle go above and beyond to enhance the community through service to their customers. These exceptional agents and brokers help CMS connect to and meet the needs of these consumers.

To learn more about Marketplace Open Enrollment via HealthCare.gov, you can contact Lyman-Barner at 229-942-9025 or by visiting this website at www.client-first-insurance.com.

Want to know how to save a ton of money with your cell phone? Ignore it. Yep, while you’re driving, put the thing away. Georgia has had a particularly bad year for accidents, and the one glaring, major cause is distracted driving. The majority of times, that’s going to mean the use of a cell phone. The state already has a ban on text messaging or “the sending of internet data,” but you’re liable to get stopped if a police officer so much as sees you with a phone in your hand if it’s not up against your ear. Easiest way to save yourself $150 and a point against your license? Turn the phone off, pull over to answer it, or hand it to a passenger.

That said, phones can still be extremely dangerous even when your eyes are still on the road. Mythbusters is a favorite of ours, and they did the dirty work for us to discover that a phone conversation can actually be as detrimental to your driving as having a blood alcohol level high enough to get you put away for DUI. Whether your eyes are on the road or not, if there’s a phone occupying your attention, you’re putting yourself and others at serious risk, even though it’s not illegal (yet) to talk on the phone while driving.

So, think of it this way. Even if the state doesn’t penalize you for talking on the phone, any use of it while driving has the potential to lead to an accident that could have disastrous consequences for your auto insurance premiums, let alone the fact that you could seriously harm or even kill others. Nearly everyone who’s been involved in an accident related to cell phone usage will say that whatever conversation they were having at the time was simply not worth the damage it caused. So please, if the conversation is that urgent, it’s important enough to pull over for.