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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Did you know that National Insurance Awareness Day is coming up soon on June 28? It’s an annual reminder for individuals, families, and businesses to review their insurance policies and assess any outstanding needs. It’s a great time to make sure that your coverage is up-to-date and aligned with your current life circumstances. The observance also offers an opportunity to learn more about all the different types of policies available. Whether you want to take steps to get additional coverage or simply want help reviewing your current policies, I’m here for you. Please don’t hesitate to reply to this e-mail or give me a call anytime.
Running out of money during retirement is a legitimate concern. To give you peace of mind, consider an annuity in order to convert a lump sum into a guaranteed stream of cash. Knowing that you’ll have regular income can help you create a budget for your retirement years. Your funds accrue on a tax-deferred basis. Plus, there are other advantages like legacy benefits and long-term care options.
While sunnier skies and warmer temperatures provide more opportunities to be outdoors, this is also the time of year when risks of becoming dehydrated are the greatest. Dehydration simply means that the body doesn’t have enough water and this affects its ability to function normally. Older adults are at higher risk of dehydration because, as we grow older, our bodies have less ability to hold on to water and to feel thirsty. The experts at Brown University say that you can avoid dehydration by taking some simple precautions. First, carry a water bottle with you when going outdoors and don’t wait until you feel thirsty to drink from it. Reach for fruits and vegetables that are high in water content such as watermelon, cantaloupe, celery, and cucumbers. Cut back on caffeinated drinks because they contribute to dehydration. Next, try to weigh yourself daily to make sure you haven’t lost two pounds or more within a day (without having made any medication changes). Finally, if you have health conditions that dictate the amount of water that you should consume daily, ask your doctor for recommendations on how you can stay hydrated safely.
If your summer plans include a much-deserved vacation, you’ll want to consider getting a Medicare Supplement Plan to ensure that you’re covered for healthcare expenses away from home. You may not know that Original Medicare, in most cases, will not follow you around the globe. However, there are a variety of Medicare Supplement Plan options that will fill in that gap. Making sure that you have travel coverage can save you money and hassles … wherever the road may take you.
INTRODUCING YOUR NEW GO-TO SEASONAL APPETIZER:
