Alan was born in Brooklyn, NY and when he was 2 years old his family moved from Brooklyn to Philadelphia. He grew up in Fox Chase in Northeast Philadelphia.
Alan went to public school in Philadelphia and graduated in June 1965 from Northeast High School.
At the same time, he attended Gratz College concurrently with public school for his Jewish & Hebrew education. He graduated Gratz College and Northeast High the same time.
In September 1965 he began attending Temple University and graduated with a BA in Sociology in August 1969.
Alan enlisted in the U. S. Naval Reserve on September 11th, 1966. He did he basic training in Great Lakes Naval Training Center and aboard the USS Blackwood – a WWII Destroyer Escort.
After the basic training was completed Alan returned to Temple University in 1966 and continued participating in weekly reserve drills until his graduation from Temple. He entered active duty and was first stationed aboard the USS Northampton CC1. Soon after the ship was scheduled to be mothballed (retired from active duty but preserved for future use if necessary). He was then transferred to the USS Conyngham DDG-17. The ship was home ported in Norfolk, VA and completed various cruises in the Caribbean and one deployment to the Mediterranean in 1970. Upon completion of the last Caribbean cruise in July 1971, Alan was released from active duty. He had attained the rank of Weapon’s Department Yeoman 3rd Class.
He has been a member of his ship’s association for many years.
Upon being released from Active Duty Alan moved to Israel and lived there for two years. When he returned to Philadelphia, he entered the life insurance industry on July 6th, 1973 as a career agent with the then Phoenix Mutual Life Insurance Company. He was part of the Keystone Agency under the management of Sidney A. Friedman, CLU. Sidney Friedman was one of the leading managers in the life insurance business and was known of his creative use of life insurance to solve estate needs and business needs.
Upon completing his training and licensing as a Life and Health Insurance Agent Alan began his business servicing his clients in the small group insurance market offering major medical coverage to small and medium employers.
At the time Alan entered the business Phoenix Mutual had developed the use of the Multiple-Employer Trust (MET) to sell to small businesses Major Medical to supplement Blue Cross. This was a major innovation in the medical insurance market and helped develop the practice of employer’s providing group medical insurance as an employee benefit. He was taught a business model that they were to prospect small and medium size businesses to become the insurance broker for that those companies. After which, they were to have the opportunity to handle the life insurance needs of the company as well as the business owners. This approach put him in the day time business market rather than the night time personal market.
Alan saw the health insurance market going through radical changes. In the early years the market was dominated by either Blue Cross offering their basic products (Hospitalization and Medical/Surgical plus Major Medical) or a medical product that was completely insured with a commercial carrier, like Guardian Life or U.S. Life. Over the years the number of companies slowly consolidated and soon most withdrew and left a few national or regional carriers.
HMO’s became a major competitor to all traditional medical insurance companies. Over time, those HMOs disappeared and the Blues and companies like Aetna and UnitedHealthcare replaced them.
During the 90’s when the market was dominated by the Blues there was little competition. Soon Aetna broke the mold and other companies that specialized only in medical insurance, dominated the market.
When President George W. Bush took office his administration pioneered the idea of a Health Saving Account to help reduce the cost of medical insurance.
At first, it was not priced attractively so there were very few sales. Shortly after its introduction, UnitedHeathcare was the first company to develop competitive products that offered real savings to companies.
This was a cutting edge that saved a significant amount to those employers willing to try this.
Alan was a strong proactive broker who saw the advantages of this approach. What was shocking was that the employers resisted this even when shown that the savings would be between 25 to 50%!!!
Alan has built a clientele that spans the years from 1973 to the present. In the year 2000 he changed the name of his business to Kalish Financial Services, LLC. He is still concentrating in the small group insurance market as well as individual insurance needs and Medicare coverage.
He attended the American College in Bryn Mawr, PA over the years and has earned three designations:
Charter Life Underwriter (CLU), Registered Health Underwriter (RHU) and Registered Employee Benefit Consultant (REBC).
Today Alan is part of Crump Life Insurance Services for the sale and support of his Individual Life, Disability, Long Term Care and Annuities. He is also contracted with Savoy Associates for all his Group and Individual Medical, Dental and Vision coverage as well as Group Life and
Group Disability benefits. His Medicare business is shared with Savoy Associates as well as Ritter Insurance Marketing located in Harrisburg, PA.
He is a member of The Society of Financial Service Professionals, The National Association of Insurance and Financial Advisors and the National Association of Health Underwriters.
Alan is licensed in many states, including PA, NJ, NY, DE, MD, OH, IL, MI, MT, & FL.
He holds the certification for 2015 and 2016 for the America’s Health Insurance Plans (AHIP) – required to represent Medicare insurance plans.
He is appointed with many of the leading life and health insurance companies in America today.
Alan is married to the former Sandy Einbinder and together they have six children and 25 grandchildren!
Their children live in Denver, Chicago, New York and Jerusalem, Israel. They recently celebrated their 36th Wedding Anniversary. They have been honored by some of local Jewish organizations.
Alan and Sandy are members of Congregation Ahavas Torah in Philadelphia, PA.
Alan is a member of the Board of Directors of Politz Hebrew Academy and is on the board of the Bicycle Club of Philadelphia (BCP).
Alan is a lover of classical music, opera and ballet. He is a long time gardener, as well as an avid amateur photographer as well as a cyclist.