Health Insurance

Medical needs don’t always follow a set schedule. That’s why health insurance exists, to help cover an individual’s medical expenses; planned or unplanned. Through an evaluation of a person’s overall health risk, an insurance plan is created that covers a person’s medical needs through a subscription to an insurer. We work with individuals, groups, and organizations.

We also provide dental and vision insurance coverage.

Medicare Insurance

Medicare is a federal health insurance program for people in the U.S. who are 65 and older as well as some younger people who meet specific eligibility criteria, and individuals with certain diseases. There are four different parts to the Medicare program. Parts A and B are often referred to as Original Medicare. Medicare Part C, or Medicare Advantage, is private health insurance, while Medicare Part D offers coverage for prescription drugs. In addition to your Original Medicare, you can opt for a Medicare Supplement plan to fill in the gaps. Medicare can be one of our most confusing products—but no need to worry, we will review all of your options with you and see what best suits your particular needs.

Life Insurance

Life insurance offers a secure financial future for those whom you wish to look after. Regardless of your current state, life insurance gives you and your loved ones financial peace of mind, especially if they depend on you financially. Whether it is mortgage payments, payroll supplementation, college tuition, or maintaining standard of living, you will be there when you’re needed most.

There are two different types of life insurances to choose from: Term Life and Whole Life.

Whole Life

Whole Life, like the name suggests, gives you lifelong protection with the most guarantees. It offers income replacement, provides supplemental income, and assists with estate planning. Though Whole Life costs more than term, it offers additional features, such as cash pay out. It can even be used for tax-free wealth transfer or to pay for estate taxes.

Term Life

Term Life covers a specific period of time, ranging from 10-40 years. Typically, Term Life has a lower monthly price. Additionally, it provides death benefits without substantial investment add-ons. No-Med Exams may be available, depending on the policy, where the enrollee will be asked detailed health, financial, and hobby questions. Once a contract expires, you may buy a new policy or reassess your options.

Final Expense Insurance

Similar to Whole Life Insurance, Final Expense is a whole life insurance policy. The benefit of Final Expense, is that it has a small death benefit and is easier to get approved for, since it can be sold as smaller policies. Final Expense has a death benefit that is designed to cover end of life expenses, such as funeral service, casket, or cremation. Despite the most common uses, the pay out could be used for any alternative expenses.