Mark Shuster, Owner/Partner, has a distinguished sales and management background and has been in the insurance industry for over 26 years.
He is licensed in 43 states, and has sold over $36 million in personally produced business, making him the highest producing health insurance agent in the history of a major Fortune 500 company, and at each of the companies he has recently been employed.
As the founding member of Health Insurance 4 Everyone, and as the owner/member of Health & Life Solutions, LLC, Mark oversees the sales, recruitment, and strategic planning needs for the company’s nationwide direct and telemarketing sales teams.
He has been instrumental in the start up and development of offices throughout the country, and has served as an industry spokesman and sales trainer, at each of the Fortune 500 companies where he was employed throughout his career. Mark’s experience and leadership provides his company with the skills and resources needed to set and achieve the highest sales and management goals in the industry.
His training and selling philosophy focuses on ensuring a “value package” of insurance products, keeping the customer’s needs in mind, which then results in increased long term customer retention standards.
His demonstrated success at providing unprecedented customer satisfaction, through the team he manages and leads, is unmatched within the industry.
Prior to entering his career in the insurance industry 26 years ago, he managed cable television and broadcast systems throughout the Midwest and the East Coast. He is a former aide to U.S. Senators, a veteran of the United States Marine Corps, and holds a Political Science Bachelor of Arts degree from Hamline University in St. Paul, Minnesota.
Corinne Kolasienski
Corinne Kolasienski, Owner/Partner, served as the Regional Team Leader at the company headquarters based in the Hartford, Connecticut area. She has a varied career in sales and management that spans close to 25 years in the insurance industry. She has served in positions of sales management, as Vice President of Sales, and just prior to joining the Health Insurance 4 Everyone team, served as the CEO of a company which she founded that provides corporate recognition programs, human resources, and customer service consulting in numerous industries around the country.
Happy young couple sitting on the floor of new house surrounded by boxes
She is recognized for her success in developing customer service support initiatives and in the training and development of sales teams throughout the United States. Corinne initially joined the company’s headquarters office as the Director of Personnel and Recruitment. She quickly moved up and became a founding member of the company’s new headquarters, providing the recruitment, training and development of the company’s fastest growing sales team, as awarded in 2008, 2009 and year-to-date in 2010.
She recently became a founding member of the management team for the new Health Insurance 4 Everyone Company which was restructured and incorporated in early 2010. She has distinguished herself as a role model in personal sales production, and has demonstrated her successful leadership skills in moving the newer team members quickly through the training process, and on to become “top closers” in the business. Corinne brings to the company a level of enthusiasm and professionalism that inspires her team members to set and then exceed their own personal production goals. She is one of the company’s most dynamic managers in bringing the sales teams a level of success unmatched by others in the industry.
What our clients say….
Health Insurance 4 Everyone (Hi4e.org), is positioned to capture the impending surge of growth from the recent national health care reforms.
A new portfolio of supplemental life insurance, disability, long-term care and Medicare supplement products ensure that the company can offer “insurance plans for everyone”.
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President Donald Trump announced the firing of FBI Director James Comey, the man who is responsible for the bureau’s investigation into whether members of the Trump campaign team colluded with Russia in its interference in last year’s election. The administration attributed Comey’s dismissal to his handling of the investigation into Democratic nominee Hillary Clinton’s email server, but many suggested the reason behind his dismissal was that Comey was getting too close to the White House with the Russia probe.
The news caught Comey by surprise as it flashed on television screens in the room as he spoke to FBI agents at an event in Los Angeles. His firing is the first dismissal of an FBI chief since 1993 when President Clinton ousted William Sessions as FBI director after Sessions refused to voluntarily step down amid ethical concerns.
President Trump stated in a letter to Comey that he agrees with his Department of Justice’s assessment that Comey is “not able to effectively lead the Bureau.” Those findings, specifically from Deputy Attorney General Rod Rosenstein, stem from Rosenstein’s belief that Comey mishandled the Clinton investigation.
Trump’s actions were a turnaround from his stance just seven months ago on the campaign trail, when he repeatedly praised Comey for reopening the investigation into the scandal surrounding Hillary Clinton’s private email server. Just days away from the election, Comey sent a letter to Congress stating that the FBI had reopened its investigation into Clinton. The decision was made because of its investigation into former Rep. Anthony Weiner, who is married to Clinton confidant Huma Abedin. Comey followed up days later with another letter, informing Congress that the FBI didn’t find anything and continued to believe Clinton’s practices were reckless but did not merit any criminal charges.
After Clinton’s loss, former President Bill Clinton blamed Comey for it. Hillary Clinton herself told CNN “I was on the way to winning until a combination of Jim Comey’s letter on October 28 and Russian WikiLeaks raised doubts in the minds of people who were inclined to vote for me and got scared off.”
A senior white house official said that a replacement will be announced in the coming days. Some possible candidates include Ray Kelly, Chris Christie, David Clarke, Trey Gowdy. Ray Kelly has a 47 year career within the NYPD. He served as Police Commissioner from 1992 to 1994 and again from 2002 to 2013. Chris Christie is the current governor of New Jersey and is a former Republican-appointed United States attorney in New Jersey. David Clarke is currently serving his fourth full term as the sheriff of Milwaukee County, Wisconsin, a position he has held since 2002. Trey Gowdy is a Replublican U.S. Respresentative for South Carolina and a former federal prosecutor. He led the House committee investigation of former Secretary of State Hillary Clinton during the Benghazi investigation.
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A Balch Springs police officer was fired for violating several department policies and procedures in the shooting death of a Texas teen. He was later arrested on a murder charge in the killing of Jordan Edwards, who was a passenger in a car that was driving away from a party. The former officer turned himself in at the Parker County Jail, posting his $300,000 bail that evening. If convicted of murder, he faces up to life in prison.
Roy Oliver, 37, was the second of two officers who responded to a report of a loud party with underage drinking in the Dallas suburb of Balch Springs. Oliver and the other officer went into the house to talk to the host of the party as teens scattered from the party. During this time, 15-year-old Jordan Edwards, his two older brothers and two 16 year old friends got into their car driven by his older brother Vidal.
As the officers were talking to the host they heard what sounded like gunshots and went outside. Both officers went outside to see what was going on and saw several people fleeing the party. The other officer, who has not been identified, walked toward the area where he thought the shots had been fired while Oliver went to the patrol car and got his rifle.
The second officer tried to stop a black Chevrolet Impala at the nearby intersection. The car slowly reversed, and the second officer pulled his gun and walked toward the passenger side of the car. As the car started to drive forward, the officer used his gun to break the rear passenger window. Oliver got behind the officer and fired several rounds into the car as it drove past him.
Jordan Edwards was shot in the head as he sat in the front passenger seat of the vehicle. Originally Balch Springs Police Chief Jonathan Haber said the officer fired after the car drove “aggressively” toward both officers but he later said he misspoke. Both officers were wearing body cameras and body camera footage showed the car was driving forward, away from the officers, not reversing toward them as he originally reported. The officer’s behavior “did not meet our core values,” Haber said.
Records reveal that Officer Roy Oliver, a 6 year veteran with the Balch Springs department was suspended in 2013 for sixteen hours and ordered to attend “anger management and training in courtroom demeanor and testimony.” That same year, according to his personnel files – he demonstrated a low score on “the extent to which this employee is able to communicate with the public as wells as other employees both verbally and in writing.”
Jordan Edwards was a freshman at Mesquite High School and a straight A student with a 4.0 GPA. He was a talented athlete who played quarterback and receiver on the football team. He lived in an upper middle class neighborhood in Balch Springs with his parents, two older brothers and younger sister.
Those who knew him say he was the last person you’d expect to die in a police shooting. His family, teachers and coaches described him as a happy, hardworking and respectful teen that was always in a good mood. His father Odell, said that his son Vidal, continued driving away so that no one else would be shot. He stopped the car two blocks from the party and called his father while his two friends in the back seat called their parents. “All I could hear was screaming and crying and the boys saying that police had just shot and killed Jordan. I could hardly make sense of it all” said Odell Edwards. Then the phone went dead. At that point, police had swarmed the car and forced all of the boys out at gunpoint.
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United Airlines has reached a settlement with Kentucky physician, Dr. David Dao, who was dragged off a plane at O’Hare International Airport in early April. The incident aboard Flight 3411 was captured on video by passengers on the plane and widely shared online around the world. It quickly became an international embarrassment for both the carrier and the city’s aviation department.
Dao’s attorney Thomas Demetrio, announced that a settlement had been reached, but terms were not disclosed. The airline released a written statement in response to the announcement: “We are pleased to report that United and Dr. Dao have reached an amicable resolution of the unfortunate incident that occurred aboard flight 3411. We look forward to implementing the improvements we have announced, which will put our customers at the center of everything we do.”
The airline unveiled new policies earlier in the same day the settlement was reached. Part of the new policies include a promise to not use law enforcement to remove overbooked customers from planes, additional training for front-line employees and setting up an automated system that will ask passengers at check-in if they would be willing to give up their seat. United CEO Oscar Munoz also pledged to reduce the amount of overbooking and offer up to $10,000 for customers willing to volunteer to take a later flight.
Dao’s attorney praised Munoz for agreeing to the settlement. “Mr. Munoz said he was going to do the right thing and he has. In addition, United has taken full responsibility for what happened on Flight 3411, without attempting to blame others, including the City of Chicago. For this acceptance of corporate accountability, United is to be applauded.”
Demetrio added “Dr. Dao has become the unintended champion for the adoption of changes which will certainly help improve the lives of literally millions of travelers. I sincerely hope that all other airlines make similar changes and follow United’s lead in helping to improve the passenger flying experience with an emphasis on empathy, patience, respect and dignity.”
Dr. Dao, 69, of Elizabethtown, Ky., was one of four passengers picked to be bumped from an April 9th flight from Chicago’s O’Hare International Airport to Louisville, Ky., to make room for four airline employees who were added to the flight shortly before it departed. When he refused to leave, multiple Chicago Department of Aviation security officers were called to remove him.
According to a report released by the Chicago Department of Aviation, Officer James Long boarded the plane to respond to a disturbance involving two passengers who were refusing to leave the aircraft. When he approached Dao’s seat and asked him to leave, Long said Dao “folded his arms tightly” and refused to leave the aircraft. The officer said he was able to “hold” the physician in order to remove him from his window seat.
A struggle ensued between Dao and the officer in the isle of the aircraft. Dao, who was hospitalized in Chicago, suffered a concussion, a broken nose and lost two teeth in the ordeal. The viral video shows Dao being dragged by his arms down the aisle of the plane as other passengers watch in horror.
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The state of Arkansas received heavy criticism and sparked new debates over the death penalty after they rushed to carry out an unprecedented series of 8 executions in 11 days during the month of April as its supply of the sedative midazolam was set to expire at the end of the month. All eight men were convicted of murders that occurred between 1989 and 1999 with some of the crimes described as particularly heinous. The eight men scheduled for execution were Kenneth Williams, Bruce Ward, Stacey Johnson, Don Williamson Davis, Ledell Lee, Jack Harold Jones, Jason McGehee and Marcel Williams.
Governor Hutchinson signed proclamations setting four execution dates for the eight inmates between April 17 and 27. Two men would be put to death on each of the four dates. In a statement he said that it was necessary to schedule the executions close together because of doubts about the future availability of one of three drugs the state uses in its lethal-injection procedure.
Arkansas uses a cocktail of three drugs in its lethal injection formula: Midazolam is used to sedate the prisoner, vecuronium bromide paralyzes prisoners and stops their breathing, and potassium chloride stops the heart. Midazolam is the most controversial of the three since it has repeatedly failed to make prisoners unconscious in other executions, leading to painful deaths. It is not approved by the FDA to be used as an anesthetic on its own, but doctors do use it combined with other drugs before surgical procedures. That is not the case in prisons.
The hurried schedule hit roadblocks from the moment it was announced as attorneys for the eight men attempted to block the executions- including using the argument that midazolam does not effectively prevent a painful death. Separate rulings stayed the executions of two of the prisoners, Don Davis and Bruce Ward. Arkansas appealed the decision in Davis’ case, but the US Supreme Court upheld it. Then Federal Judge Kristine Baker put a stop to all eight executions on April 15, a decision that the 8th Circuit Court of Appeals reversed two days later. By the end of April, four of the men received stays for various reasons.
Despite the drug shortage and the controversy over its use- lethal injection remains the country’s primary method of execution. The drug shortage has spurred some states to begin adapting new and untested combinations of drugs while other states look at other methods of executions. Utah, Tennessee and Oklahoma added or broadened their abilities to use a firing squad, electric chair or nitrogen gas.
With the month over and the expiration date passing-the freshly stirred dust on the death penalty debate has not settled. Capital punishment has long been a divisive issue in the United States with support of it declining to a 40 year low. According to a 2016 Pew Research Center poll, Americans remain split, with 49 percent in favor and 42 percent against it (9% were undecided).
Nationwide, the number of executions has faced a decline as well. Since 2007, seven states have abolished the death penalty and the governors of four others have issued moratoria on the practice. Arkansas is currently one of 31 states with courts that still issue death sentences.
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Relations between North Korea and the US and South Korea have rapidly deteriorated in recent months, as the rhetoric and military posturing on both sides has increased. North Korea has threatened to sink a U.S. aircraft carrier that is conducting military drills, along with Japanese ships, in the waters off the Korean Peninsula.
U.S. Aircraft carrier Carl Vinson, guided-missile cruiser USS Lake Champlain and guided-missile destroyers USS Michael Murphy and USS Wayne E Meyer have practiced for war with North Korea with a series of military drills. US allies South Korea and Japan surrounded North Korea with joint exercises on both sides of the Korean peninsula. The navy fleet is now within “striking range” of North Korea, in the Philippine Sea- just east of the Japanese island of Okinawa.
North Korea conducted its own military drills which involved 300 large-caliber self-propelled guns lined up along the coast where they opened fire with live rounds. A statement from the South Korean military said the live-fire exercises were in the Wonsan region in the east of the country. North Korea fired four ballistic missiles toward Japan as part of its exercise targeting US bases there.
Soon after those drills were conducted, the US began to deploy its advanced THAAD anti-missile defense system in South Korea, despite opposition from Russia and China. The deployment of the Terminal High Altitude Area Defense (THAAD) anti-missile system came THAAD is a missile defense system designed to intercept short and medium-range ballistic missiles as they begin their descent to their targets. Developed by Lockheed Martin, THAAD missiles use infrared seeker technology to locate their targets and detonate on impact.
Both Russia and China have spoken out against the THAAD deployment. China’s Foreign Ministry stated that it was “resolutely opposed” to the move and say the missile system actually aims to counter China’s military power in the region, not to contain North Korea. The deployment also drew protests from hundreds of villagers in Seongju, South Korea, who clashed with police as troops began deploying THAAD hardware on a local golf course.
The Trump administration called the entire US Senate to a meeting at the White House, for a briefing on North Korea with the US secretaries of Defense and State. President Trump recently stated “North Korea is a big world problem, and it’s a problem we have to finally solve. People put blindfolds on for decades and now it’s time to solve the problem.” Many fear that Trump is backing himself into a corner with his firm stance on North Korea, leading both countries to a point where “bad things are going to happen.”
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On April 19th, disgraced NFL player Aaron Hernandez killed himself in his prison cell, officials said. Hernandez, 27, was found hanging in his cell by corrections officers around 3:05 a.m. and pronounced dead an hour later at the Souza Baranowski Correctional Center. Hernandez was in a single cell in a general population housing unit and hanged himself with a bed sheet attached to his cell window. Officials said Hernandez had given no indication he might try to take his own life and that he had tried blocking his door from the inside with various items.
Just days before, on April 14th, Hernandez was found not guilty in the 2012 double murders of Daniel Jorge Correia de Abreu and Safiro Teixeira Furtado. Hernandez was already convicted of first-degree murder in the death of semi-pro football player Odin Lloyd in 2015 and was serving a sentence of life in prison without a possibility of parole.
Hernandez played three seasons with the New England Patriots and in 2012 he signed a $40 million five year contract extension that included a $12.5 million signing bonus. The Patriots released Hernandez from the team about 90 minutes after his June 2013 arrest in the murder of Odin Lloyd. Hernandez’s lawyers say they are skeptical of his death being a suicide while many speculate that his suicide was in part-financially motivated.
Hernandez’s arrest and termination led to enormous financial troubles as CytoSport and Puma canceled their endorsement deals and his release from the team automatically forfeited his 2015–18 salaries, totaling $19.3 million. The Patriots voided all remaining guarantees, including his 2013 and 2014 salaries, on the grounds that those guarantees were for skill, injury, or salary cap room, and did not include being cut for “conduct detrimental to the best interests of professional football.” The Patriots also planned to withhold $3.25 million of Hernandez’s 2012 signing bonus that was due to be paid in 2014 and to recoup the portion of the signing bonus already paid in an effort to recover some of the millions they lost when cutting him from the team.
Under Massachusetts law, it is possible for Hernandez lawyers to request to have his murder conviction vacated due to his death due to the legal principle of abatement ab initio. The principle asserts that when a defendant dies but has not exhausted all legal appeals, the case reverts to its status “at the beginning”; technically, the conviction is vacated and the defendant is rendered “innocent”.
At the time of his death, Hernandez was in the process of filing an appeal for his 2015 first degree murder conviction. On April 25, 2017, lawyers for Hernandez filed a motion at Massachusetts Superior Court in Fall River to vacate his murder conviction. State prosecutors reserve the right to object to Hernandez’s request. The family of Odin Lloyd may also petition the court not to vacate the conviction and to keep the appeal alive.
If the request is granted, a number of things can benefit Hernandez’s family and estate. First, he would not have been in violation of his Patriots contract. That may mean that the Patriots would have to pay the remaining $15 million of his contract to his estate. If his murder conviction is vacated, it would also protect his estate from any civil suits from Odin Lloyd’s family because they would not be able to use evidence from the criminal trial in a lawsuit against the Hernandez estate for civil damages.
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Steve Stephens, the Cleveland killer who uploaded a video of himself shooting an elderly man on Easter Sunday-has killed himself after a police chase in Pennsylvania. Stephens was on the run for two days after uploading a video of the senseless murder, as well as two other videos explaining why he committed the crime. In a video made prior to the shooting, Stephens explains that he just snapped and that his ex-girlfriend Joy Lane was to blame for what he was about to do. He mentions that he had lost everything he had to gambling debts and that he has tried to talk about his problems with friends and family but that they act like his problems aren’t that serious.
In the video of the killing, Stephens approaches Robert Godwin, a 74 year old grandfather of 14, as he is walking down the street. Stephens asks Godwin if he knows Joy Lane and then makes the man repeat the name saying “Joy Lane is the reason this is about to happen to you”. Godwin replies “Joy Lane, I don’t know any Joy Lane” as he raises his arms to protect himself-before being shot dead. Godwin, 74, was shot while walking home from an Easter meal with his children in Cleveland.
After uploading the video on Facebook, Stephens posted a Facebook live video of himself driving in his car while talking on the phone and dubbing his crime spree “The Joy Lane Easter Massacre” while claiming to have already killed a dozen other people. He claimed he would keep killing at random until Joy Lane or his mother called him.
Joy Lane, Stephens on again-off again girlfriend of a few years, told several news agencies that she tried to reach him shortly after the video surfaced but he did not pick up his phone. She said she was overwhelmed by the tragedy and apologized for what had happened-wishing for prayers for the victim’s family.
After the video surfaced, Cleveland residents were left reeling in fear that an active shooter was still in the area killing innocent people at random. For two days, authorities across the country scrambled to find Stephens, believing he may have headed east to family in New York. On Sunday, Stephens’ cell phone pinged a cell tower 100 miles east of Cleveland, in Erie, Pennslyvania.
The manhunt came to an end shortly after an employee spotted Stephens’ white Ford Fusion in the drive-thru of a McDonald’s near Erie and called authorities. The franchise owner said Stephens ordered chicken nuggets and fries at the McDonald’s drive-thru window in Harborcreek Township when employees recognized him. Stephens was two cars behind in the drive-thru lane to pick up food as police were on their way.
The McDonalds employee’s tried to give police more time to arrive by telling Stephens the fries were not ready but he took the nuggets and left. Authorities spotted him as he fled the area and gave chase. Police said that an officer performed a “PIT” maneuver, a strategic way of ramming a car to disable it. As the vehicle was spinning out of control from the PIT maneuver, Stephens pulled a pistol and shot himself in the head.
Authorities were uncertain how long Stephens was in the area and don’t believe he had any accomplices. No other victims have been confirmed.
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United Airlines is facing backlash after a videos went viral of a doctor who was assaulted before being forcibly dragged off the plane, after he refused to give up his paid seat. The backlash against United sparked boycotts and dropped hundreds of millions of dollars from the company’s stock price.
Dr. David Dao was left bleeding and disoriented, after being forcefully pulled across the seat dividers and dragged down the aisle of the plane as shocked passengers looked on with several expressing disbelief on the incident as it was happening.
Dao, 69, of Elizabethtown, Ky., was one of four passengers picked to be bumped from an April 9 flight from Chicago’s O’Hare International Airport to Louisville, Ky., to make room for airline employees who were added to the flight shortly before it departed.
According to another passenger on Flight 3411 from Chicago to Kentucky, the airline needed seats on the fully booked aircraft to reposition four crew members for another flight. The crew announced that the plane could not take off until four passengers voluntarily deplaned. When it didn’t have enough volunteers, even after offering $800 and a next day flight, the airline selected the man and several other passengers to deplane.
When he refused to leave, saying he had to see patients at a hospital in Kentucky early the following morning, multiple Chicago Department of Aviation security officers dragged Dao through the aisle, bloodying him. Dao then tried to run back on the flight and was forcibly removed a second time.
United CEO Oscar Muñoz initially defended the company’s actions but later apologized, calling the incident “horrific.” United Airlines said it will fully refund the tickets of all passengers on board the flight. Chicago’s Aviation Department has said that four officers involved in the beating had been placed on leave.
Dao, who was hospitalized in Chicago, suffered a concussion, a broken nose and lost two teeth in the ordeal. In preparation for a civil suit, lawyers for Dr. Dao filed an emergency request requiring United and the city to preserve records of the incident and the personnel files of the Aviation Department officers who pulled Dao from the plane.
The airline has said it is reviewing its policies regarding oversold flights. They already announced that they will require United employees traveling for work to book seats at least an hour in advance to avoid displacing customers already on board an aircraft.
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A major escalation of the tensions between the U.S. and North Korea has led to the US sending the Carl Vinson aircraft carrier and several warships toward the Korean Peninsula. The Carl Vinson and three guided-missile destroyers and cruisers to the peninsula were sent only days after North Korea launched its latest ballistic missile test. This missile reportedly flew only 37 miles.
North Korea has condemned the U.S. for bringing the aircraft carrier group and other nuclear-armed assets into the region, and threatened an assault on South Korea, Japan and U.S. bases. A North Korean Foreign Ministry spokesperson stated that “We will hold the U.S. wholly accountable for the catastrophic consequences to be entailed by its outrageous actions. North Korea is ready to react to any mode of war desired by the U.S.”
U.S. intelligence officials believe North Korea is preparing its sixth nuclear weapons test, possibly as early as Saturday, April 15 which coincides with the 105th anniversary of the birth of the country’s founder, Kim Il-sung.
North Korean senior officials have accused the Trump administration of wanting to “annihilate” their country and blamed the escalating tension on the Korean Peninsula squarely on the U.S. and South Korea. Han Song Ryol, North Korea’s Vice Minister of Foreign Affairs stated in an interview that if North Korea felt they were going to be attacked they would use nuclear weapons.
Experts say the sixth nuclear test could come at any time and is part of the Kim Jong Un regime’s quest to build a nuclear-tipped missile capable of reaching the U.S. mainland. Most analysts believe North Korea is still at least several years away from that capacity, but Pyongyang already has weapons that pose a serious threat to U.S. allies South Korea and Japan, and U.S. troops based in those countries.
North Korea’s nuclear weapons development program has been a primary focus and a tense topic for years. Just last month North Korea successfully launched four ballistic missiles into the waters off northwest Japan. State media in Pyongyang said it was just a dry run of a nuclear attack against US military bases in Japan and experts say this exercise was defensive, not offensive.
A North Korea official stated Pyongyang intends to “relentlessly strengthen” the country’s nuclear weapons. Experts say North Korea’s goal in advancing their nuclear program and developing nuclear-tipped missiles that can reach the US is a deterrent for a US invasion.
Experts have debated whether North Korea possesses a nuclear warhead it can mount to a short or medium-range missile. North Korea claims that it has miniaturized a nuclear warhead and is capable of mounting it to a short, medium, or long-range missile – has never been independently verified. Kim said in his New Year’s address that the country had reached “the final stages” of that weapon’s development.
While analysts say it is unlikely that North Korea possesses an intercontinental ballistic missile capable of reaching West Coast cities such as Los Angeles, San Francisco, or Seattle, they are well on their way to developing such a weapon.
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