Our Services
Medicare
As independent brokers, our job is to thoroughly review all important information and help you choose a Medicare plan that fits you best. We are not partial to any particular insurance company because we handle our clients on a case-by-case basis. Our goal is to provide you with the information you need while also making it easy for you to understand your plan selection.
As independent brokers, our job is to thoroughly review all important information and help you choose a Medicare plan that fits you best. We are not partial to any particular insurance company because we handle our clients on a case-by-case basis. Our goal is to provide you with the information you need while also
making it easy for you to understand your plan selection.
Medicare is a federally funded health insurance program in the United States, primarily for individuals aged 65 and older. It also covers certain younger individuals with disabilities. Medicare consists of different parts: Part A covers hospital expenses, Part B covers outpatient services, Part C involves private insurance plans (Medicare Advantage), and Part D provides prescription drug coverage. Enrollees may choose between Original Medicare (Parts A and B) or opt for a Medicare Advantage plan for more comprehensive coverage.
Health Care
Our goal is to provide you with the information you need while also making it easy for you to understand your plan selection. You can get health coverage during the Open Enrollment Period, which starts November 1st-December 15th.
Certain life events, like losing health coverage, moving, getting married, having a baby, or adopting a child, may qualify you to enroll in or change Marketplace health plans outside the yearly Open Enrollment Period.
Retirement Planning
Retirement planning involves creating a financial strategy to ensure a comfortable life after ceasing regular employment. It typically includes setting savings goals, investing wisely, and considering factors like lifestyle, healthcare, and potential longevity to secure financial stability during retirement years.
One of the most unique strategies in the financial services industry is maximizing tax advantage vehicles that are available for you utilizing “LIRP” Life Insurance Retirement Planning.
Index Universal Life
Index Universal Life (IUL) is a type of permanent life insurance policy that combines a death benefit with a cash value component linked to the performance of a stock market index, like the S&P 500. Policyholders have the potential to earn interest based on the index’s returns, subject to caps and floors set by the insurance company. IUL offers flexibility, allowing policyholders to adjust premium payments and death benefits. It’s often marketed as a way to accumulate cash value over time while maintaining a life insurance component. However, it involves complexities, and understanding policy terms is crucial for informed decision-making
Life Insurance
Everyone needs affordable life insurance. The question for most consumers is: Where can I find affordable life insurance? The answer is right here. As independent brokers we can help consumers shop and compare all the major carriers
Mortgage Protection
Mortgage life insurance, also known as mortgage protection insurance, is a term life insurance policy designed to pay your mortgage debt if you die. Such policy can keep your family from losing the home. and make sure the legacy continues to the next generation.
Income Replacement & Income Protection
The income replacement approach is a method determining the amount of life insurance you should purchase. It assumes that the goal of life insurance is to replace the lost earnings of a family breadwinner who has died.
Final Expenses
Final Expense insurance is a type of life insurance that helps seniors cover end-of-life bills, such as funeral expenses and healthcare.
If you don’t have a final expense life insurance plan in place for the one’s that you care for the most, your loved ones will unfortunately be left with the responsibility of paying any remaining expenses. Funeral costs are expensive, and there are probably more costs than you were aware of.
Schedule a consultation today to learn more.
