Medicare Supplement policies may cover all of your co-insurance and deductibles not covered by Medicare. These plans are standardized by the government and guaranteed renewable for life as long as you pay the premium
An annuity is a contract regarded as an investment with an insurance company. You may use these to provide a consistent and fixed rate of return.
You may wish to receive annuity payments over a specific number of years, in a lump sum or in guaranteed payments for the rest of your life!
Do you need help paying for deductibles or coinsurance that your Medicare Advantage plan makes you pay for hospitalization or major illness? Do you need additional protection for catastrophic illnesses such as cancer? These plans can mitigate some of the risk of having higher deductibles and/or coinsurance.
Term Life insurance can provide inexpensive and effective solutions to provide a death benefit for a period of time .
Whole life and Universal life insurance can provide coverage for life and be a great estate planning tool
We can help design a traditional long term care insurance plan to fit your needs and budget. You may also wish to consider some of our hybrid Long term care solutions that guarantee premiums stay level for life!
Medicare prescription drug coverage( Part D) can be confusing. We can tailor the drug plan to give you the best value each year.
Part C of Medicare can be very confusing. These are plans that are contracted with Medicare each year to provide Part A and B benefits for Medicare. Medicare Advantage plans can offer additional benefits such as dental, vision, and/or hearing that Medicare doesn't cover. These plans can also include Part D coverage and may even have no plan premium or lower premiums that aren't based on your age.
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