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Dec 05, 2017 02:15PM ● Published by Colleen Callahan

By Colleen Callahan

It is daunting to write an article this time of year. In our industry, from October to January, it is Open Enrollment for many of our employer groups, Medicare age clients with prescription drug plans, and those with individual Medical insurance. It is a perfect storm. There are lots of questions, applications, and often long waits on the telephone when asking for assistance from insurance companies. Multiple daily meetings and nights spent responding to e-mail become the norm in the fall.

In December, I like to take time to look back on the year, reflect, and enjoy what we have accomplished. I am grateful for my clients and for those that refer their friends and family. It is wonderful to have our hard work, dedication, and experience appreciated.

I am also very grateful for my hardworking team. Without Cary, Kelly, and Amanda, it would be impossible to grow the business and provide timely and efficient service to existing clients.

I am also grateful for people that have given me the opportunity to provide educational presentations to their groups or associations. I appreciate having the chance to teach a little and tell people about the world of insurance. Without the proper education, people make mistakes that often prove difficult to unravel.

There are many unknowns right now. What will tax reform mean? What will health insurance look like in the coming years? What can we expect from our politicians?

I hope that you will be able to push pause for a few days this month and enjoy friends and family. I hope there will be moments of joy and laughter. There will be plenty of time in January to worry about deductibles, copays, paying for long-term care, and wondering if you have enough life insurance.

Colleen Callahan, CLU, CASL, LUTCF. Colleen Callahan Insurance Services is located in Pleasant Hill. Contact her at (925) 363-5433 or

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