I can help you find the coverage you need.
If you’re responsible for purchasing affordable insurance for yourself, your family, or your employees, you know how hard it can be finding coverage that fits your needs and your budget.
I’m here to help you understand all your available health insurance options, so you can make the choice that fits you best.
With a multitude of plans to choose from and my service and expertise at no cost to you — finding the right plan has never been easier.
Life Insurance
Term Life - Helps cover specific financial responsibilities, like a mortgage or college expenses, for a specific time period at a reasonable price.
Whole Life - Designed to protect you for your entire lifetime. Offers level premiums with a portion of the premium going into a guaranteed cash value account that is accessible.
Universal Life - A IUL is a permanent insurance that can last a lifetime with the monthly premium building cash value within the policy. Which also makes it a great option to save for college.
Final Expense - An affordable way to provide the financial resources to help cover your funeral costs and other final expenses or outstanding debts.
Long-Term Care
Long-term care needs typically arise as part of the normal aging process, but can also be due to an injury, illness, or a cognitive impairment such as Alzheimer’s. Care can be given at an assisted living facility, a nursing home or at home. When reviewing your options consider:
• Total Benefit Amount - the money available for payment of your benefits.
• Benefit Period - minimum period of years you can expect your benefits to last.
• Elimination Period - number of days you are required to pay for the cost of care before your policy begins to pay benefits for an eligible claim.
Health Plans
I’m here to help you find a health plan to fit your needs and budget.
• Open Enrollment Period - choose the right balance of monthly premiums versus out-of-pocket expenses that’s right for your budget.
• Special Enrollment Period - available after a qualifying life event like getting married, having a baby, moving to a new area or losing other health coverage. Typically lasts 60 days from the triggering event.
• Group Plans - health insurance costs for small businesses have nearly doubled since 2009. We provide innovative cost saving solutions to help you manage expenses.
Medicare Options
Medicare Supplement Insurance plans
(Medigap) are available to help “fill the gaps” in your medicare Part A and Part B coverage.
Medicare Advantage Plans are available to cover all Medicare services and may also offer extra coverage such as vision, hearing, dental, and other health or wellness programs. Most Medicare Advantage plans include prescription drug coverage (Part D).
Medicare Special Enrollment Period: You may qualify to enroll in or change your Medicare health plan if you lose employer sponsored coverage, you’ve recently moved, or you live in a nursing home.
Medicare Initial Enrollment is available to those who are newly eligible for Medicare within 90 days of the date of their eligibility.
Supplemental
These plans, also known as Voluntary Benefits, generally pay a cash benefit directly to you. Use the money for out-of-pocket medical expenses, deductibles, to offset a loss of income, or even pay everyday living expenses. The most common types include:
• Accident Only Plan - cash benefit for injuries caused by an accident.
• Critical Illness/Cancer Plan - lump sum cash benefit for a first diagnosis of a specific cancer or major illness.
• Hospital Confinement Plan - Cash benefits for hospital confinement related to an accident or illness.
• Dental Plans - allow you to manage you dental needs. Explore coverage options.