Finding the right insurance has never been easier!
We’ll search a wide variety of plans from all the major insurance carriers to find coverage that’s right for you at a price that fits your budget.
Also referred to as ‘Obamacare’. Making health insurance available to more Americans, These plans are offered to consumers with possible subsidies (premium tax credits) that can lower the cost for households depending on their income level. These plans cannot refuse to insure someone based on pre-existing medical conditions.
Provides financial support for your loved ones if you die in a covered accident. Provides financial support for your loved ones if you die in a covered accident. Provides financial support for your loved ones if you die in a covered accident.
These retirement plans help address the number one concern of outliving your savings. They can have a variable or fixed rate of return and even offer guaranteed lifetime income payments which will only help give you financial peace of mind that you will be able to secure your future ahead and fulfill your dreams in retirement.
Helps provide financial protection if you’re diagnosed with a serious illness. Cash benefits are usually paid out in a lump sum basis directly to you to use how you wish, to help cover out of pocket expenses where traditional insurance may fall short or for whatever other reason you choose.
These plans are not dental insurance but savings plans; they are extremely affordable and an easy/reliable way to help you save money while visiting a participating dentist.
Available for groups and/or individuals. Designed to cover dental care that is essential to good health. Most plans have minimal annual deductible and require copays for covered services.
Provides financial protection for your most valuable asset – your income. This coverage replaces a portion of your monthly income if you suffer from a disability which affects your ability to work.
These policies are intended to alleviate financial burden to your loved ones in the event of your death for final expenses such as burial and other funeral related costs etc. Don’t leave your family unprepared by being unprotected.
This is a type of whole life insurance that is guaranteed; meaning you do not have to answer health questions, undergo a medical exam or have your prescription history reviewed. They are usually only offered up to a certain amount of a death benefit and will have a ‘waiting period’ usually of 2 years in which time your beneficiary will only receive the amount of the premiums you paid in plus a percentage. After the waiting period, the full death benefit is payable.
Hospital stays can cause a financial strain. These plans provide payments directly to you for each day spent in the hospital, and for some other qualified expenses as well. That’s money you can use as you choose, whether for hospital bills or other expenses that arise while recovering. Premiums are customizable.
Life insurance is very customizable and there are many options to choose from. Contact us for your quote today!
Regular health insurance including Medicare does not cover long-term care. These policies help cover the cost of assistance with daily living activities whether in the comfort of your own home or in a facility setting. Premiums are customizable and based on coverage amounts. LTC can be in a stand alone policy or included as a rider on other insurance products such as life and annuities.
Also known as Part C (all inclusive plans) – these include HMO, PPO, POS, PFFS, SNP, etc. Plans have networks, pre-auths, referrals, etc. They are used in place of Original Medicare and combine benefits from Parts A & B and most include part D as well. Most plans offer ‘extra benefit’ options such as gym memberships, over the counter benefits, dental, vision, etc.
NOTE: These plans are NOT a part of Original Medicare and covered services are not payable by Medicare.
Medications can be costly; having quality coverage with affordable monthly premiums / co-pays is imperative.
Also known as Medigap policies. These plans work in conjunction with Original Medicare and have No networks, pre-auths, referrals, etc. They are standardized lettered plans that fill the “gaps” in Original Medicare and help pay some, if not all of the costs that Original Medicare leaves you exposed to such as deductibles, copays and coinsurance.
Short term medical, sometimes referred to as ‘term health insurance’ is for a limited period of time and is an affordable option designed to bridge gaps between other healthcare coverage.
Provides coverage for a specified limited amount of time; typically 5-30 years, while having fixed premiums. They are an affordable way to provide protection for loss of income or debt/mortgage owed in the event of a loved ones death
Permanent, flexible insurance coverage. It includes the opportunity to adjust premium and death benefit, as well as accumulate cash value on a tax-deferred basis.
These plans have a monthly premium and are designed to reduce your costs for routine basic care, including eye exams, vision tests, frames, prescription lenses, contact lenses, etc.
Permanent life insurance coverage that is designed to lock in benefits that can help pay for end-of-life expenses, as well as cash value that can be accessed in case of an emergency.
Shop online with just a few of the options available for you to research & self-enroll.
Don’t hesitate to contact us with any questions.
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