Products & Carriers
We focus on three main insurance products for the senior market. Final Expense Life Insurance, Medicare Supplements, and Retirement/Annuities. There is a real need for these services due to the amount of Baby Boomers there are and the financial strain many U.S. families feel today. Being prepared for these events give our clients and their families peace of mind.
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Final Expense Life Insurance
Final expense insurance is an insurance policy used to pay for burial expenses and funeral services when the named insured dies. This helps ease the financial burden placed on a family when a loved one dies. It does not require a medical exam and the premiums are guaranteed for the life of the insured.
Retirement & Annuities
Annuities are contractually-executed, relatively low-risk investment products where insured pays a life insurance company a lump-sum premium at the start of the contract. That money is to be paid back to the insured in fixed, incremental amounts, over some future time period. These financial instruments have been used to accumulate funds and provide significant and sudden increases in personal income.
Medicare Supplements
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. It must cover all of the services that Original Medicare covers except hospice care. Most Medicare Advantage Plans also offer prescription drug coverage.
Immediate Annuity
This is an insurance policy that, in exchange for a sum of money, guarantees that the issuer will make a series of payments. They may be either level or increasing periodic payments for a fixed term of years or until the ending of a life or two lives.
Deferred Annuity
A Deferred Annuity is a contract that is chiefly a vehicle for accumulating savings with a view to eventually distribute them either in the manner of an immediate annuity or as a lump-sum payment.
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