Competition = Lower Costs
The insurance industry includes hundreds of different companies hoping to earn your business. It is a very competitive market and it pays to shop around for the very best deals. This is where we come in.
Whether you're searching for Life Insurance, Annuities, IRA's and other retirement strategies, Health Insurance, you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage.
Medicare Insurance
Medicare by itself has a high deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Let us guide you in sorting through the numerous Medicare options. We can also help you in choosing a Medicare prescription plan that includes your specific medications.
Mortgage Protection Insurance
The Insurance of yesterday was payable only one way, upon the death of the policy owner. The Insurance of today is designed to provide assistance to the living. Sadly, unforeseen situations happen un-announced. Diagnosis of cancer, sudden stroke, pandemic diseases and other things that no one asks for but truly change the direction in what will need to happen the following day and all days thereafter. Chronic, critical and terminal illnesses are provided with Mortgage Insurance so that those living won't have to worry about losing what the family has worked so hard to secure.
Final Expense Insurance
Your family will always come first. You wouldn't want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it's absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.
Why Should I Call This Agency for Insurance?
Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another.
Let's face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.
We promise to focus our attention on your individual needs.
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To make the most of summer’s golden hour, Family Fun Month is celebrated in August each year. It’s the time to take that long-awaited family vacation or simply put away the devices and have some good old-fashioned quality time together. Whether you’re spending time with your grandchildren, children, nieces and nephews, or any loved one, this month is all about making memories. Some ideas include spending time at the lake or beach, setting up backyard water activities for the little ones, visiting the zoo, or hosting a game day. No matter what you choose to do, it’s a great opportunity to strengthen family bonds, enjoy each other’s company, and have a laugh together.
Did you know that, in most cases, Original Medicare does not cover you for healthcare expenses when you travel? Fortunately, there are a variety of Medicare Supplement Plans that will fill in that gap with coverage accessible around the globe. So, when you’re traveling, you can rest assured that your healthcare coverage travels with you.
You can still exercise outdoors in the summertime, but try taking a few extra steps to make safety your top priority. The experts at the National Institute on Aging recommend that you drink plenty of water, avoid caffeine and alcohol, wear clothing that lets air circulate and moisture evaporate, and use sun protection (sunscreen, sunglasses, and a hat). You should also take action if you feel faint or confused, experience a change in pulse rate, or have flushed skin. These could be signs of heat stroke. You’ll want to immediately move to a cooler place – preferably with a fan – or take a cool bath or shower. Be sure to seek medical help if the symptoms persist. If you follow these precautions, you can continue to enjoy activities like walking outdoors, gardening, or playing tennis throughout the season!
If you’re interested in being protected from high out-of-pocket costs during a temporary medical situation, you’ll want to consider Short-Term Care Coverage, also known as STC. The purpose of STC is to provide benefits for just a few days or up to a year. It includes services that people typically need when they’re unable to take care of daily activities alone for a little while, like after a surgery or an illness. If you plan to look to Medicare to cover all costs during that time, you’ll soon find out that benefits are limited and specific requirements must be met first. STC will have you covered for services like home health aid visits, stays in assisted living facilities or nursing homes, and even certain prescriptions. It offers affordable premiums and typically pays out immediately.
THESE POPS ARE BANANAS!
