Advantage

Medicare Services

Do you know the options available to help make Medicare more affordable?

Medicare supplements are available to fill in the gaps left by Medicare, because while Medicare covers 80 percent of Part B medical expenses, the remaining 20 percent is your responsibility. With potentially thousands of dollars in charges, a Medicare supplement is available to cover some or all of those charges.

Medicare supplements are accessible nationwide, allowing you the freedom to see the specialist of your choice while enjoying your retirement. We are continually on the lookout for the best rates and coverage, so know that when you become our client, you are getting some of the best health coverage and value available.

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Prescription Plan Services

Do you have your prescriptions covered?

Many people overlook the prescription portion of their Medicare coverage to save money; however, they are then stuck paying the difference as their plans change from year to year. With many plans, while the premium may not change, the provider may change how they cover your current medications, leaving you to pay the difference.

We will work with you to review your plans annually to potentially cover your prescription drugs for less!

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Medicare Services

Do you know the options available to help make Medicare more affordable?

Medicare Advantage plans are another route some people use to receive their Medicare benefits. These plans combine Part A and Part B into one package and can include extras like dental, vision, and hearing. Many have low or zero-dollar premiums, which is why they get a lot of attention.

With these plans, you agree to use the plan’s network and follow its rules for referrals and approvals. Each plan also has an annual out-of-pocket limit, which can help cap your costs if you have higher medical needs.

Because Medicare Advantage plans vary by county and come with different networks, drug lists, and rules, they aren’t the right fit for everyone. I help people sort through what’s available in our area so they can see, plainly and simply, whether a Medicare Advantage plan makes sense for their situation or if a different path might serve them better.

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Term Life Insurance Services

Are you prepared for the unexpected?

We all want our loved ones to be taken care of should the unexpected happen; however, to accomplish this, it’s important to have a plan. There has never been a better time than now to update your current policy and finally take the steps necessary to help ensure your family is protected.

Term Life Insurance offers incredibly low premiums and the death benefit tends to be remarkably high. You pick how many years you want the policy to cover you. You’ll pay a premium every year, guaranteeing yourself a certain amount of coverage. The payments can be made annually, bi-annually, quarterly or even monthly. Once those years are up, the policy is finished, and should you want another policy, you would have to re-apply.

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Annuities

What type of annuity will meet your future financial needs?

Annuities are a powerful retirement income tool that can provide tremendous value to a retiree in the form of guaranteed income. By definition, these savings vehicles are a contract between a retiree and a third-party provider (most often an insurance carrier), in which a retiree makes a payment to the insurance company, and, in turn, the insurance company provides the retiree with a number of benefits, including guaranteed income* for a certain amount of time.

Fixed Annuities

Fixed annuities are the most popular type of annuities with retirees because they are similar to a CD-like product, and pay guaranteed rates of interest (Can’t compare Annuities to CDs.)With these annuities, a pre-retiree invests a certain dollar amount into the annuity and the issuing company provides them with a guaranteed, tax-deferred interest rate.

Tax deferral is a huge advantage because it allows investors to gain interest off all of the money in their account, rather than the lesser amount they would have after paying yearly taxes. Fixed annuities also provide retirees with payment flexibility, giving them the option to choose when they receive payments from the annuity and for how long. Payout options range from a predetermined number of years to the rest of your life. If you don’t like risk but want a better return on money, fixed annuities may be the option for you.

Fixed Indexed Annuities

Fixed indexed annuities offer many of the same benefits as traditional fixed annuities, such as the reliability and potential for better long-term growth. Fixed indexed annuities also offer an income rider called the death benefit. A death benefit can help provide the retiree with confidence that they have some form of income they won’t outlive, no matter how old they live to be.

The benefits are particularly popular because they allow retirees to make withdrawals every month while also gaining interest on their money. Additionally, they are a terrific way to augment Social Security while also leaving a legacy for your loved ones or a charity of your choice.

*Annuities contain limitations, including withdrawal charges, fees and a market value adjustment which may affect contract values.

Annuities are products of the insurance industry; guarantees are backed by the claims-paying ability of the issuing company. Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged.

¹http://www.investopedia.com/ask/answers/12/what-is-an-annuity.asp

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Cancer Plan Services

Are you concerned about cancer and the effects it could have, or already has had,

on your family?

While health insurance is great, it does not cover everything and may need to be augmented based on your health or the size of the bills associated with cancer care. To alleviate some of that stress, consider purchasing a cancer insurance policy.

Most primary health insurance plans do not cover all hospital costs. If you’re hospitalized, you can be stuck paying the amounts not covered by your primary insurance—and that can add up quickly.

Cancer insurance policies are designed to pay you a lump sum, tax-free cash payment for the first diagnosis of cancer. A cancer insurance payout helps you avoid the financial strain cancer can create, so you can focus on your recovery.

Cancer insurance benefits go beyond medical expenses.

Cancer insurance benefits are payable in addition to any other insurance coverage you may have, so you choose how to spend the money in a variety of ways, including paying towards your:

Mortgage or rent
Medical bills
Living expenses
Travel to specialized treatment facilities
Experimental treatment
Replacement of lost income

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Prescription Drug

Anchor 2

Supplements

TURNING 65?
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Medicare can feel like a maze: confusing, overwhelming, and full of fine print. I created this guide to cut through the clutter and give you the straight answers you need.

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Medicare Services

Do you know the options available to help make Medicare more affordable?

TURNING 65? LET'S GET YOU SOME ANSWERS.

Here to Help

TURNING 65?
LET'S GET YOU SOME ANSWERS.