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In providing insurance, Komos Financial Services, Inc. stresses the benefits of the insurance coverage it offers. Komos Financial Services, Inc. not only informs its clients that it can offer insurance but explains how it will help them. For example, with health insurance Komos Financial Services, Inc. emphasizes that even if a prospective client is young and healthy, health coverage is a must-have. One accident or illness could wipe out everything someone has or land him or her in bankruptcy court. Komos Financial Services, Inc. also advises customers to give some thought to health insurance coverage if they plan to retire early. Few companies offer retiree health benefits anymore and Medicare doesn't start picking up medical bills until age 65.

Slightly more than half of the American workforce can get health insurance through employers, which usually subsidize some of the cost, according to the Employee Benefit Research Institute (EBRI).