Get the right insurance plans
for peace-of-mind!
Medicare
Medicare consists of 4 parts: Part A, B, C, and D
There are 2 main choices for how you get your Medicare Coverage
Option 1:
Original Medicare
Part A (Hospital)
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Part B (Medical)
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Part B (Drug Coverage)
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Medigap (Supplemental Insurance)
Medigap policies help pay your out-of-pocket cost in Original Medicare. There is no Network
Option 2:
Medicare Advantage (Part C)
Part A (Hospital)
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Part B (Medical)
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Part C (Drug Coverage)
These plans are like HMOs or PPOs, and typically include Rx plans, if yours doesn't you may be able to join a separate Part D plan
Networks can change at any time
Long-Term Care
Long-term care needs typically arise as we age but can also be due to illness or injury. When you need help with some or all the basic activities of daily living, which can include eating, bathing, dressing, continence, toileting and transferring (moving in or out of bed, chair or wheelchair).
70% of people over the age of 65 will need some sort of long-term care services. The average cost for a private room in a nursing home is $7,700 per month.
Medicare does not help cover long-term care cost.aving. Coverage for long-term care can help you maintain independence, protect your assets and have choices
Final Expense
Final Expense is whole life insurance designed to cover expenses such as unpaid bills, unexpected expenses and the numerous costs involving a funeral.
- Coverages starting at $2,500 to $40,000
- Permanent coverage that cannot be canceled as long as you make your payments, nor will your rates ever increase
- No Physical Exam
- Approval can happen with just a phone call
Life Insurance
Whether it be Term life, Whole life, and universal life insurance plans they will all pay a death benefit when the covered persona passes away. Since there are so many options these days, it's important to see which type is suitable for your individual need. There are three types that can differ in terms of coverage length, premium flexibility, cash value accumulation and distribution, riders and other factors.
Annuities
You can enjoy upside potential with principal protection against market loss. There are many types of Fixed annuities that enable you to grow your money because your annuity is not affected by market performance, meaning you will never experience a loss to your principal from either market conditions or fees. It's important to look at longevity, financial strength and stability.