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When you’re ready to talk about retirement, we’re here for you. We’ll answer all your questions, like How do I enroll in Medicare, when to begin collecting Social Security, how to decide what to do with your newfound time, and how to turn your savings into a steady income for life while also leaving a legacy for your loved ones.
Medicare Supplements, Advantage Plans and Part D Drug Plans
There are many options within the Medicare system and we'll explain the basics of original Medicare, what's covered and not covered. Your options in filling the "gaps" in original Medicare and selecting a prescription drug plan. We'll find the plan that meets your specific needs and tailor a solution to you as an individual. This needs to be monitored on an annual basis and we're structured to manage your healthcare on an ongoing basis.
Permanent and Term Life Insurance
Many people find themselves in a situation where they are under insured for Life insurance when retiring due to the loss of their employer coverage. We have a wide variety of solutions to help you. The primary purpose of life insurance is to provide a financial benefit to dependents upon premature death of an insured person. Other proposes are to provide an income to replace lost earning potential, to fund business or partnership buyouts in the event of death of one of the business owners, to fund retirement plans, to indemnify a loan in the event of premature death, to pay for college educations, to provide dependency income for the family, and to protect future insurability, are just a few. We'll look at your individual needs and make appropriate recommendations.
Hospital and Illness Indemnity Plans
Description here.Depending on the choices you make for your medicare plan you may need to look at adding additional protection. There are Amenity plans, where you're the beneficiary that can cover your medical expenses in the unfortunate event you are hospitalized, have a heart attack,a stroke or a cancer diagnosis, These events can lead to unexpected expenses and covering them can add to your peace of mind when paying for healthcare.
Final Expense and Funeral Trust Policies
Final expense is a smaller permanent life insurance policy typically intended to help older adults cover funeral costs and other end-of-life expenses. This insurance typically provides a guaranteed payout to help loved ones pay for a funeral service, burial or cremation, doctor or hospital bills, or other immediate expenses after a death. Like other types of permanent insurance, final expense insurance will never expire as long as you keep up with your premiums. Since coverage amounts are lower than other types of life insurance, like term or permanent insurance, the premiums for a final expense policy tend to be very affordable. Final expense insurance is easy to qualify for, with no medical exam required, you can often get approved for a policy within days.
An annuity is a long-term investment and is designed to help protect you from the risk of outliving your income. Annuities also have the benefit of protecting your life savings from the downturns of the stock market and the worries of losses. Through annuitization, your assets are converted into periodic payments that can last for life. Annuities are designed to provide a steady cash flow and protection of assets for people during their retirement years. Since someone's assets at retirement may not be enough to sustain their standard of living, many people may turn to an insurance company or other financial institution to purchase an annuity contract to rollover part of their assets from an IRA, 401K contributions or other financial accounts. We have experts to consult with you to see if this investment is right for you.
Ready to get started? Contact us
We are here to assist. Contact us by phone, email or via our social media channels.
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