James Priscaro - Aflac Insurance Agent

Within the "Lawyers Near Me" platform, while the category typically features legal professionals, it's important to recognize that related services, such as insurance, are often sought by local users. James Priscaro, an Aflac Insurance Agent, serves the Providence, Rhode Island community, offering essential supplemental insurance products that provide financial protection often overlooked by standard health plans. Located at 34 Spencer St, Providence, RI 02909, USA, James Priscaro is accessible for consultations via phone at (401) 273-9444 or mobile at +1 401-273-9444, providing a vital service to individuals and families seeking to secure their financial well-being against unforeseen health events.

As an Aflac agent, James Priscaro operates within the framework of a Fortune 500 company known for providing financial protection globally. While specific details about the local office environment are not provided, the nature of Aflac's business model emphasizes a client-centric, educational approach. Aflac agents typically work to understand a client's existing insurance coverage and identify gaps where supplemental policies can offer crucial financial support. This suggests an environment where clients can expect a consultative process, designed to inform them about options that can help alleviate financial stress during illness or injury. The core promise of Aflac, which James Priscaro represents, is to pay cash benefits directly to the insured, fairly and promptly, when a policyholder gets sick or hurt. This operational philosophy implies a commitment to transparent and efficient service, focusing on the policyholder's ability to concentrate on recovery rather than financial burdens. Clients interacting with James Priscaro can anticipate a professional and informative experience, aimed at tailoring solutions to their unique needs and providing peace of mind.

As an Aflac Insurance Agent, James Priscaro provides access to a comprehensive suite of supplemental insurance products designed to complement major medical insurance and help cover out-of-pocket expenses. These services are crucial for individuals and families in Providence looking for an added layer of financial security. The typical offerings from Aflac, which James Priscaro would assist clients with, include:

• Accident Insurance: Provides cash benefits for injuries sustained in an accident, helping with emergency treatment, ambulance rides, hospital stays, and other related costs not fully covered by primary health insurance.
• Cancer Insurance: Offers financial assistance upon diagnosis of cancer, covering various stages of treatment, hospitalization, chemotherapy, radiation, and potentially experimental treatments. It can provide a lump sum benefit and ongoing support.
• Critical Illness Insurance: Pays a lump sum benefit upon diagnosis of a covered critical illness such as heart attack, stroke, major burns, or coma, allowing individuals to focus on recovery without immediate financial strain.
• Short-Term Disability Insurance: Provides a percentage of an individual's income if they are unable to work due to a covered injury or illness not related to their job.
• Hospital Indemnity Insurance: Offers fixed cash benefits for covered hospital stays, helping with high deductibles and other out-of-pocket costs associated with hospitalization.
• Dental Insurance: Provides coverage for routine dental care, cleanings, and other dental procedures, allowing policyholders to use any dentist they choose.
• Vision Insurance: Covers expenses for eye exams, glasses, and contact lenses, helping individuals maintain healthy vision.
• Life Insurance: Provides a financial safety net for loved ones in the event of the policyholder's passing, helping to cover funeral expenses and other financial needs.
• Final Expense Insurance: A type of whole life insurance specifically designed to help loved ones cover funeral and other final expenses.
• Pet Insurance: Some Aflac agents may offer pet insurance to help with unexpected veterinary expenses.

James Priscaro helps individuals and families assess their needs, understand these various supplemental policies, and enroll in the plans that best suit their financial situation and health coverage gaps. He also assists businesses in providing these valuable supplemental benefits to their employees, often at no direct cost to the employer.

As an Aflac agent, James Priscaro's services are characterized by the core features that Aflac offers as a leading supplemental insurance provider:

• Cash Benefits Paid Directly to the Insured: A primary distinguishing feature of Aflac is that benefits are paid directly to the policyholder (unless otherwise assigned), rather than to the medical provider. This gives individuals control over how they use the funds, whether for medical bills, living expenses, or other needs.
• Coverage for Out-of-Pocket Expenses: Aflac policies are specifically designed to help with the costs that major medical insurance might not cover, such as deductibles, co-pays, and unexpected daily living expenses during recovery.
• Focus on Recovery, Not Financial Stress: The overarching goal of Aflac's offerings is to provide financial peace of mind, allowing individuals to focus on their health and recovery without the added burden of financial worries.
• Voluntary Insurance: Aflac policies are voluntary, meaning individuals or employees can choose the coverage that best fits their needs without it being mandated.
• Broad Range of Supplemental Products: The diverse portfolio of accident, illness, disability, and wellness policies allows for tailored financial protection solutions for various life events.
• Established Company: Representing Aflac, a Fortune 500 company with decades of experience, instills confidence in the stability and reliability of the policies and claims process.
• Assistance with Claims: Agents like James Priscaro typically assist clients not only with enrollment but also with understanding and filing claims, ensuring a smoother process during challenging times.

While no specific customer reviews for James Priscaro were provided in the prompt, the general promotional information for Aflac, which he represents, highlights the critical need for supplemental insurance and the direct benefits it provides. Aflac's marketing emphasizes the following:

• Addressing Healthcare Gaps: A key message is that even with major medical insurance, unexpected illnesses or injuries can lead to significant out-of-pocket costs. Aflac steps in to help fill these gaps.
• Financial Protection and Peace of Mind: The central promise is to provide cash benefits that give policyholders financial control during difficult times, reducing stress and enabling focus on recovery.
• Simplicity of Claims: Aflac promotes a fast and fair claims process, ensuring that cash benefits are paid promptly.
• Flexibility of Benefits: Policyholders can use the cash benefits for anything they need, from medical expenses to rent, groceries, or childcare.
• Benefits for Both Individuals and Businesses: Aflac highlights its ability to provide valuable benefits to employees at no direct cost to employers, which can aid in attracting and retaining talent.

As an Aflac Insurance Agent, James Priscaro would leverage these core messages to educate local users in Providence about the value of supplemental insurance. His role involves explaining how Aflac policies can act as a crucial financial safety net, complementing existing health coverage and providing direct cash payments when unexpected health events occur. For local users Browse "Lawyers Near Me" who are also considering their financial preparedness for health-related contingencies, James Priscaro offers a relevant and highly beneficial service.