Hey everyone. I will preface this by admitting that I am a Licensed Insurance Agent. I do not intend to advertise my business or use this forum to search for clients, but as you can imagine, with the COVID-19 issue we find ourselves in, my desk is flooded with requests for help and there are a lot of people who are going to get themselves in poor policies because they were scared into them. I wanted to post a few tips; things that I recommend to not just my clients, but to my friends and my own family.
1) Don’t shop around on your own. Get in contact with a Broker. It’s a common misconception that Broker’s make their living by marking up policies to the clients. That could not be further from the truth. A Broker is a professionally licensed advisor who has access to multiple carriers (some many more than others) and will take the time to understand exactly what you situation looks like, what you are trying to protect, and what your budget is. Once they have helped you paint that picture, they are able to do the shopping for you to get you the best coverage that fits both your coverage needs and more importantly, your budget. Don’t be insurance broke!! What your price for a policy is through a Broker, is the same price you would get if you walked into a Carrier’s corporate headquarters with your own written policy in hand (not that you could actually do that).
2a) Make it clear that you want a Simplified Issue or Express Issue policies. These are policies with simplified underwriting; which means no medical exam! Even if you think you are as healthy as an ox, insurance policies that require a full medical exam will, more often than not, find some sort of ‘abnormality’. They will run a very detailed analysis and having the slightest off-level of anything in your body, regardless of how harmless, will impact not only your rates, but it will be added to you MIB report (medical report the life insurance carriers use to determine your eligibility for coverage) and will impact all future life insurance decisions. Simplified Issue products will get you either approved or denied based on existing and known medical conditions as well as your prescription history. Your rates will be slightly higher than fully underwritten, but there is a HUGE risk that the slightest elevation in any number of analyses could get you either rated or flat-out declined. Check some of the posts on this subgroup alone for examples of the damage that can do!
2b) This is a continuation of 2a but if you apply for a fully underwritten policy, you are going to have a hard time seeing a physician during the COVID situation to get approved anytime soon. And if they do find you symptomatic for the virus, there is no chance that the insurance carrier will approve you. With Simplified Issue, you will most often times be approved within minutes and your policy will go into effect within days, if not the same day. Which will leave you covered in the event COVID impacts your life directly.
3) Once you have your policy in place, tell your beneficiary(ies) about the policy and where they can find the policy should it ever be needed. Billions of life insurance policy dollars go unclaimed every year because people simply did not know their loved ones had protection in place before they passed.
There are many other pieces of advice that I tend to give. Please feel free to reach out to me at any time with any questions.
Hey Redditors, I am the founder of TwogNation and we recently launched www.twoghub.com!
- esports first aggregator platform.
I want you to tell my full story on what made me create this startup and what I want to achieve. For those who don't have the time to read >>> TLDR is in the bottom
Born in '85, I started gaming pretty early. Thanks to my uncle I got access to PCs early on (I believe it was the Intel 186 model) and I also had the first Nintendo GameBoy - the grey clunky one, but damn I loved it. From that time on, there was always a PC at home, additionally some in school and that was the basis of pretty much my entire later life. Since I was born in a German, academic family I went through the higher education system, then university - studied politicscience/history and later medschool, in between and during studies I worked in various fields - but turns out all of that was a waste of my time and waste of my family's money, now looking back.
The first time I took things in my own hands was around 1999 by organizing local LAN-parties. The older ones of you know this was the only way to play against each other and before the online gaming revolution started. We didn't throw buzzwords like "esports" around back then, we just wanted to play, compete, win or download porn on LAN. I did that for a few years while still in school, from small 10 men garden LAN to venues like churches (yes, still makes me laugh) and townhalls. Since this was the time of Counterestrike being launched we had our local clan (ESU - Esports united) and we traveled around to attend further away LANs and played for amazing prizepools like a mousepad and other things that make me now cringe, but it was a start! Around that time also now big monolithic company ESL was founded and I was one of the first to join and play there actively. Other games back then were Unreal, Quake, later WC3 + WC3 Dota (1) and hell, we even played Age of Empires and Civilization. Good times.
My first real shot at professional gaming was in World of Warcraft, which I played since US beta pretty much. That ended in founding and leading a few guild that are now known as Esports Orgs, got me to attend bigger expos in EU/US, got first some sponsorships and also ended up in some "efame" in terms of world firsts in PVE. Of course real life was completely sacrificed for such achievements. Let me tell you, it was worth it. What I learned in terms of leadership and general gaming industry while leading guilds with 60+ members (later 25 raids + substitutes) helps me even today, when doing events or leading my own company team. I kept Dota 1 always as my relaxing game on the side, some casual CSGO 1.5/1.6 later and the rest was only WoW all the way.
That lasted until I went to medschool, which has hell of a demanding curriculum, so I had to quit the hardcore raiding and just kept it for the night 2nd squad veteran raids. At the same time I got to work with Blizzard, ESL, Comicon, Twitch and many others on a freelance/occasional basis and that always went great. I couldn't sit still and with Dota 2 back then being my passion I made another move to create my first full esports company (outside of teams, alliances, guilds, clans etc). At that time there were only 1 or 2 casting studios in Dota 2 (JoinDota and BTS) and the entire Tier 2 scene was either not covered or covered by insanely bad people without any knowledge how to set up a stream on Twitch, control OBS, microphone settings, how to observe in games, etc. This was first planned as a one-man operation, but I very quickly realized we Tier 2 people could work together - learn from each other, take shifts, cover tournaments in US/Asian timezones and be a good solution for Tier 2, 3 and beyond Dota 2 casting. So HeflaTV was founded and at peak we had up to 10 commentators, all trained in a community style, improving, we got tourny licenses, started to travel the world for events - it was the beginning of everything in terms of esports business for me. I even managed to get a good Twitch partnership (hard back then), the first sponsorships, platforms like Hitbox/Azubu came to us and we didn't not just cover but create events. All for just a pocketmoney that's to today's standard so pathetic, but it had to start were right? I went away from the mic, gave up being a commentator and devoted my time to find opportunities and business for esports guys from casters to players and streamers a like.
Now such work didn't go unnoticed and I was approached by many companies who asked me to go fulltime and work for them. I declined them all, being in the 4th or 5th year of medschool, literally a year away from being a doctor with a good salary and career ahead. Many people didn't even know I was working esports/gaming in the nights to a point where I slept through most of my lectures at day. I kept declining offers until one company came along called GameShow, which wanted to create a 24/7 esports TV channel - the first one after the Koreans did it in 1999 with OGN, etc. At the same time they had the franchise for Dreamhack and also Russia's largest gaming expo Igromir (similar to E3 or Gamescom). Now that totally broke my will and I said yes - quit medschool in the last year and went fulltime, fullforce esports after all years working nights, weekends, semester breaks, etc. So I ended up helping those guys to launch everything around the TV channel, organize Dreamhack, do tons of other events and after merely a few months I recruited myself a good esports team and stepped up to head of business development. Now that company wasn't the best - as expected with many Russian companies and it only lasted 2 years for me until I left.
During that time and after I got to work with big guys like Alibaba, Blizzard, La Liga, Premier League, etc, various clubs, helped franchises in LCS and OWL, I was holding speeches on events, I helped universities to structure their esports activities and curriculum, I advised young gaming/esports companies, helped people still with sponsorships, event HR, broadcasting licenses, advisor to publishers in how to create new esports IPs and many more things. Let's say I came around and unfortunately many projects are to date NDAed and I can't even talk about it. Esports like many industries has a very large "backstage world" that's not often visible to the community - unfortunately in many cases.
I was tired of working for someone, disagreeing on strategy, begging of budget on no-brainer business ideas and in general I entered my 30ties and said to myself "now or never" in terms of entrepreneurship. That's when the idea for TwogNation was finally there where I could realize it, having it for many years already in my head. Almost a year of concept drafting and then I went out there to use all my private money together with my co-founder and a small pre-seed round of angels to assemble a team and build the platform you see to date, with many more features to come.
My main thought behind TwogHub was simple: 1. Esports is growing nicely and no stopping or slowing down in sight 2. Esports grassroots and local activities get more relevant 3. More and more actors are entering the scene, platforms, brands, leagues, clubs, many more to come. 4. The communication tools are still the same - back then it was IRC, then it was Skype, now it's Discord and few others, but the notion is the same that it's a huge mess. 5. Many more games will strive to be competitive and enter the esports market, up to 3-4 IPs a year that make it to somewhat decent size. 6. If you have to tell someone what you are and what you do, you have to give people about 20 different links e.g. your twitter, facebook (groups, pages, accounts), steam, Skype, discord acc + server, twitch stream, hell maybe even Smashcast, Youtube and what not. It's an endless mess of platforms.
Now if you count point 1 to 6 together, the simple statement is. Esports is a mess - scattered, hard to maneuver and the end users, except for a few hardcore guys like many Redditors, have no means to even benchmark all the offerings on the market. So what TwogHub strives to do is an agnostic approach, a tool for gamers to have everything in one place. All tournaments to participate or watch, a passport that collects all you are as a gamer and provide more tools to communicate, team up, test things and find the very best offering, service, product while browsing through it. Of course we can't build everything at the same time, so we started with
- Tournament finder - all IPs, all regions, all platforms (200+), all organizers (many thousands)
- Gamer's passport - a place / link you can share to anyone who'd like to know what you are, what you do and potentially connect with you - may that be for playing, chatting, buying your services, etc.
This week we also launched the friends function, the passport will be extended, we will also expand to new games (1-2 per week), we opened up to the community to "suggest a tournament" for those we didn't find via our staff or automation, our messenger will launch in a few weeks, tournament finder and scrim finder is also a tool we're building on the side - as well as a new aggregator that puts together the 100+ news outlets together into 1 app/place.
Those are just a few things of what we want to build, but like every startup we have to start somewhere, want the feedback from the community, have people use the platform and find everything they're looking for. That's how it all starts and as long as I make any of your lives better or easier - my goal is achieved. If you have any questions, feedback, suggestions or any partnerships in mind. Let me know. Nothing makes esports better than working directly at the source - which is and remains the community. We officially launched about a week ago, a few hundred people are on it now and testing. I'd love more feedback from you guys. TLDR: Passionate gamer went through 20 years of gaming/esports career to eventually look back on the problems in the industry and founded a small startup to develops TwogHub, which is designed to hit some of those birds with one stone. TwogHub is esports' first tournament aggregator and also gives gamers a passport style of profile to be properly represented and interconnected. Out of hundreds of platforms and organizers we're the best place to benchmark and join, but even more importantly give small platforms or organizers the chance to be seen without major marketing budgets! It's like booking.com for hotels, just that we do aggregate everything relevant to esports. Many more features to come, trying to build tools for every gamer in the world and now launched, trying to work closely with the community to improve and add more things if good ideas come up. www.twoghub.com
- the platform www.twognation.com
- general company overview
Of course you can find us everywhere on social media under "TwogHub" for the platform, "TwogNation" for company news and if you want to get in touch with me personally it's pretty much "Heflamoke" everywhere as well or by my real name "Sebastian Läger" for platforms like Linkedin.
Thank you Reddit and I'll try to comment/answer on anything in the comment section.