Insurance is certainly an integral part of our lives and comes in many forms.  Consumers often go missing an important piece in their financial picture.  Many aren’t aware of the risk they take by not having coverage and or find a way to have an excuse for why they never got it.

We see every day that someone has a tragedy that has happen in the family and nothing is done or learned from this experience in life.  Let us help take care of this.

“Insurance Coverage With You In Mind”.

As an independent insurance broker, We can help you shop the market for the right plan that meets your needs.  If you have questions about your current insurance plan or would like a review of it please contact us.

A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.

A Medicare Advantage Plan known as PART C are healthcare plans administered by private insurance carriers and approved by Medicare.

Some considerations when choosing a health plan are:

• Premiums, some plans have a premium, some are $0 premium, some give back the part B premium, or a part of the part B Premium

• There are HMO’s, PPO’s, Private Fee for Service, and Supplements, and Part D plans

• Some plans have networks, some require referrals, some are open access

• Are your doctors, hospitals and specialists in the plan you are considering.

• Do you need referrals to see a specialist?

• Formularies and co-pays, and tier level of your drugs differ from plan to plan.

• Additional Benefits like Dental, Vision, Hearing, OTC benefits, Health Club Membership

• Worldwide Emergency Coverage.

 The primary purpose of life insurance is to provide a financial benefit to dependents upon premature death of an insured person. The policy pays a specified amount called a “death benefit” to the named beneficiary, when the insured dies.  Click Here to Get an instant quote 

One of the most thoughtful ways you can express love is by making final arrangements in advance.  This simple, affordable life insurance program is designed to provide your family priceless peace of mind, through knowing your personal wishes, avoiding unnecessary decisions and debt at a time of sorrow and bereavement.  This Final Expense Plan assures complete funeral arrangements relieving the financial and emotional burdens from those you love.

Dental insurance is designed to pay a portion of the costs associated with dental care.

Vision insurance is a type of health insurance that entitles you to specific eye care benefits defined in the policy.

Need Dental or Vision Insurance today     CLICK HERE- Humana Dental & Vision or CLICK HERE for Spirit Dental 

Critical Illness/Disability – Critical illness insurance,  a dreaded disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.

Disability Insurance – is a plan that provides for periodic payments of benefits when a disabled insured is unable to work.

Hospital Indemnity -What if you become hospitalized, need surgery or are diagnosed with a critical illness? How will you pay the related out-of-pocket costs? CAP is a fixed-benefit indemnity plan—sometimes referred to as a hospital indemnity plan—that can help with fixed-dollar reimbursements for covered medical expenses at specific durations.

Click here for a quote

Looking for a Health Plan that offers protection when circumstances leave you temporarily uninsured?  Whether you Missed Open Enrollment, Newly Hired or Waiting For The Affordable Care Act Plan:   CLICK HERE – SHORT-TERM HEALTH INSURANCE

Do you want Lifetime Protection, Living Benefits and Income For Life Guaranteed?  Then an IUL Policy is a program that we need to talk about.  Find out why this is considered to be one of the most flexible types of Life Insurance available in the marketplace.