About Us

Hello – my name is Kevin Haney, the principal owner and founder of ASK Benefit Solutions, LLC, which publishes the Growing Family Benefits website.

I am the primary expert author of most of the articles found on this site. Much of the content addresses important choices that people must make about their finances.

Therefore, you may wonder whether you can rely on the information you are reading and if it comes from a trustworthy person.

Below is a summary of my work history, education credentials, and a partial listing of publications and articles that quoted me as an authoritative source. You can also dig deeper into my Linkedin profile as well.

Insurance Agency Owner

I established an independent health insurance agency over a decade ago. The National Producer Number 789704 and resident New Jersey License Number 1003951 were active from 2003 to 2016.

The primary focus was selling supplemental health insurance (short-term disability, personal accident, hospital indemnity, life, and dental insurance) in the early years. We placed policies with three of the major companies.

  1. Aflac
  2. Colonial Life
  3. Humana

We began publishing the Growing Family Benefits website as a means of getting the word out to families nationwide about the importance of purchasing these policies before they had a pre-existing condition.

Unfortunately, too many site visitors found us after it was too late. The poor timing forced us to branch out into credit and financing to give people a possible solution – a second area where my expertise fit.

Credit Bureau Executive

My work history also includes over a decade as an executive with Experian, one of the big three consumer credit reporting agencies. I lead teams who worked directly with many of the largest banks and lenders on the East Coast to help them target, acquire, and grow customer accounts using data and decision support systems.

During my tenure with Experian, I earned the “Platinum Circle” recognition for outstanding annual sales achievement in eight out of ten possible years.

This experience gives me the expertise to write about a variety of related topics covered throughout the site.

  • Consumer credit reports and scores such as FICO and Vantage
  • How lenders use the files and scores to make approval decisions
  • Things borrowers do that get them into trouble

Education Background

My educational background also contributes to my authority on many subjects covered by the site.

  • Master of Business Administration
    • Rutgers University Graduate School of Management
  • Bachelor of Business Administration
    • College of William and Mary in Virginia

Subject Matter Expert Citations

Many online publications seek expert opinions when writing articles about a specific topic. Below is a partial listing of websites and articles that cited my contributions. There is more media interest in credit scores than insurance – even though lack of coverage is the hidden killer of borrowing credentials.

  •  BestRatesIn.com
    • Preapproved but Rejected
  • Bestcompany.com
    • Do I Need Disability Insurance
  • Creditcards.com
    • DUI Affect Credit
    • Outsmart Data Brokers
    • Credit Limit Increases
  • CreditKarma.com
    • Credit Report Errors
    • Auto Credit Scores
  • Blog.Central.Insurance.com
    • Insuring the Unusual
  • Cardratings.com
    • Cell Phone Insurance
  • Clearpoint.org
    • Zero Percent Financing
  • Creditloan.com
    • Refused Personal Loan
    • Credit Guide for Singles
  • Investopedia.com
    • FICO Resiliance Index
  • GoBankingRates.com
    • What Credit Agencies Do
  •  LendingTree.com
    • Income Affect on Credit
  •  LongTermDisabilityLawyer.com
    • Coverage for Mental Illness
  • NEA Member Benefits
    • Lowest Loan Rates
    • Consolidate Debt
  • NetQuote.com
    • Cost of Having a Baby
  • Property Casualty 360
    • Poor Credit & Homeowners Insurance
  •  Quizzle.com
    • Transactions Needing Credit Checks
    • Medical Debt Affect Credit
    • Reasons for Low Credit Score
  • StudentLoanHero.com
    • How Many Scores You Have
  • TheStreet.com
    • Political Candidate Followers
  • SelfLender.com
    • Alternative Scoring Models
    • Insufficient Credit History
    • How Student Loans Affect Scores
    • 4 Credit Score Killers
    • Fraud Alerts vs Freezes
    • Build Credit with Frozen File
  • Time.com/money/
    • Short-Term Disability
  • TermLife2Go.com
    • Best Individual Disability
  • WashingtonPost.com
    • Credit Card Holds
  • Worklife.Coloniallife.com
    • Self-Employed Coverage