Erin Paumen Health Insurance

Health Insurance Agent

Nationwide PPO Health Advisor | Helping early retirees, those on COBRA, and people paying full premiums on the Marketplace find better long-term coverage.

𝐏𝐚𝐲𝐢𝐧𝐠 𝐟𝐮𝐥𝐥 𝐩𝐫𝐢𝐜𝐞 𝐟𝐨𝐫 𝐡𝐞𝐚𝐥𝐭𝐡 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐲𝐨𝐮 𝐛𝐚𝐫𝐞𝐥𝐲 𝐮𝐬𝐞?

You’re not the only one—and you don’t have to stay stuck.

I talk to people every day who are:
💰 Healthy but don’t qualify for ACA subsidies
👨‍👩‍👧 Shocked by the cost of adding a spouse or kids to their work plan
⏳ Stuck on overpriced COBRA after leaving a job
🌅 Retiring early and needing a bridge to Medicare

Most people think they’re stuck with those choices.
They’re not.

Here’s what I help with:
✅ Protection against the big bills—hospital stays, surgeries, diagnoses, accidents
✅ Freedom to see top doctors and hospitals nationwide with PPO access
✅  Options that can lock in rates long-term so you’re not blindsided when prices rise

𝐈 𝐝𝐢𝐝𝐧’𝐭 𝐬𝐭𝐮𝐦𝐛𝐥𝐞 𝐢𝐧𝐭𝐨 𝐭𝐡𝐢𝐬 𝐜𝐚𝐫𝐞𝐞𝐫—𝐈 𝐥𝐢𝐯𝐞𝐝 𝐢𝐭.

After losing my own coverage during one of the hardest times in my life, I made it my mission to help others avoid that same stress and financial risk.

Today, I run a six-figure health insurance business serving clients across 33 states.

And I’m here to guide you through the noise—so you land on a plan that truly fits your family, your budget, and your future.



Health Insurance, PPO, Self-Employed Health Insurance, Health Insurance Agent, Private Health Insurance, Health Benefits, Individual Health Insurance, Small Business Health Insurance, Accidental Insurance, Supplemental Insurance, Dental Insurance, Vision Insurance

Erin Paumen

TUHF

Commercial property finance, property developments and property management. Over 14 years combined exposure with experience in Residential Mortgage Based Securities and Commercial Mortgage Based Securities.

Portfolio Manager (Commercial Property) 

Holder of a Masters Degree in Property Economics and Valuation, B.Com Honours Degree in Business Studies (Finance & Banking) and NQF6 Certificate in Finance and Investment Management. I have over 13 years combined exposure in Banking, Credit Management, Business Leadership, Property/Real Estate Investment, Project Financial Appraisal, Business Financial Performance analysis, Project Management, Human Resource Management, Sales and Marketing.

Deal Analysis and Portfolio Management (Commercial Property)

BK Properties

DUTIES :	
o	Negotiating for and purchasing of real property or rights therein. 
o	Coordinating the planning, financing, construction and management of housing development projects requiring advanced analysis and management techniques. 
o	Negotiating leases, including terms and conditions as to length of lease, services and utilities, remodeling and redecorating, and amortization. 
o	Serving as liaison to building occupants and owners in a facility, group or multiple facilities to identify current and potential customer service issues. 
o	Providing contractual oversight for custodial, security, maintenance, and other facility related operational and repair services. 
o	Participating in the budgetary planning, fiscal management and procurement processes. 
o	Contacting local officials and realtors to determine fair market value of property based on value of comparable properties. 
o	Preparing salvage value appraisals of acquired or prospective properties. 
o	Preparing and processing permits and rental agreements; determining and negotiating rates for temporary use of properties. 
o	overseeing the creating of all written disposition-related investor communications
o	developing sales and marketing strategies
o	negotiating sales contracts and broker commission agreements
o	overseeing the process of identifying potential disposition
o	assisting in financial analysis of existing portfolio assets
o	conducting pre-acquisition due diligence or market research of real estate development opportunities
o	Coordinating lender visits to development sites and investment presentations to lenders
qualifying underwriting, financial modeling, scenario analysis, budgeting, forecasting and reporting on investments in residential properties.

Property Investment analyst

Barclays

DUTIES :	

	CREDIT RISK ASSESSMENT 
o	Critical assessment of credit risk of new borrowers falling in the credit portfolio.
o	Establish counterparty’s risk profile through credit bureau information, financial statements analysis, ownership structure and collateral analysis.
o	Identify transaction and business specific risk and risk mitigation factors on new transactions.
o	Perform comparative analysis amongst industry peers to assess counterpart’s position relative to its industry peers.
o	Determine and make recommendations on individual, industry and sector credit limits.
o	Complete forecasts, profit plans, and analyze related risks and opportunities.
o	Identifying and applying the appropriate costing technique to a range of counterparty situations.

	PORTFOLIO RISK MANAGEMENT
o	Analyze existing credit products from a quality, seasonality, and trend perspective
o	Determine on-going financial status and project performance of the counterparty.
o	Conduct ongoing monitoring and review of limits and exposures in the portfolio.
o	Ensure compliance with the Credit Risk Strategy and Policy at all times. 
o	Implement risk management processes and procedures.
o	Interface with business intelligence to create the necessary reporting requirements 
o	Preparation of Watch Loan Reports to monitor problem loans.
o	Prepare reports on credit portfolio for the Credit Committee and Senior Management.

	CLIENT RELATIONSHIP MANAGEMENT
o	Renew, restructure and modify facilities in line with risky standards and client requirements.
o	Maintain and take ownership of professional working relationships with the clients.
o	Work with the client to identify and/or develop new business opportunities.
o	Maintain an in-depth knowledge of the client’s industry and market.
o	Maintain service and quality levels according to business standards and the client’s expectations.

Credit Risk Analyst

Over 13 years experience in Real Estate (Incl CPF), Banking and Mortgage Lending, Property Development, Construction Management, Property Asset Management, Credit Management.

Prefers to work in a team with strong work ethic and high performance culture.

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Erin Paumen

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