Medical Insurance

Disability or Long Term Care

Medical Insurance

Health / Dental / Vision / Medicare Supplement Plans

Life Insurance

Disability or Long Term Care

Medical Insurance

Personal or Employee Coverage / Key-Man Insurance


Disability or Long Term Care

Disability or Long Term Care

Disability or Long Term Care

Income when you cannot work, become ill, or disabled

Accident or Critical Illness

Accident or Critical Illness

Disability or Long Term Care

Discretionary cash for medical or personal expenses


Final Expense Coverage

Accident or Critical Illness

Final Expense Coverage

Final expenses covered without burden to family

Accident or Critical Illness

Final Expense Coverage

Policy Types and Pricing Options

Health Insurance continues to provide several options depending on your qualifications.  There are many providers and types of policies which fall into three (3) categories:

  1. ​Mandated Major Medical
  2. Non-Mandated Major Medical
  3. Indemnity Plans

Call, Text or Email for an appointment today, and learn what is available for you, including the cost and coverage of each policy type.  

Click the Link for Dental or Vision Quotes

Click the Link for Dental or Vision Quotes

Click the Link for Dental or Vision Quotes

If You Have Questions Click the Link

Click the Link for Dental or Vision Quotes

Click the Link for Dental or Vision Quotes

Medicare Supplement plans are an important financial strategy for retired individuals, as they typically cover the cost of deductibles from Medicare Parts A & B, as well as other medical expenses not covered by parts A & B.


​Remember, when you use an agent to enroll in health insurance products it does not cost you anything - but can help you greatly with claims intervention and policy usage.

Cancer & Critical Illness

A variety of policies are available from multiple carriers, providing various options for deductible and benefit.  

Call or email to discuss your best options.

Surviving Without Your Paycheck

Ask About Benefit Types

Single Lump Sum Benefit

Repeat Usage / Monthly Income


"If you can't work, your whole world can fall apart quickly.  Most people are only about 90 days away from bankruptcy.  Studies have found that medical problems play a role in more than 60% of bankruptcies and half of all foreclosures."

Matt Tassey, Past Chairman, LIFE Foundation.  Leading Causes of Disability WebMD Feature, R. Morgan Griffin


"People tend to think about disability in terms of catastrophic events, like a terrible car accident that leaves you paralyzed or in a nursing home.  Less dramatic and much more common conditions such as arthritis, back pain, heart disease, cancer, depression, diabetes and even pregnancy are some of the leading causes of disability in the U.S."

Richard Frank, PhD, Deputy Assistant Secretary for Disability, Aging and Long-Term Care Policy at the U.S. Department of Health and Human Services in Washington, D.C., WebMD Feature, R. Morgan Griffin.


Whether it’s supporting your daily living expenses today or funding your retirement savings for tomorrow, your ability to earn an income is your most important financial asset. Many people purchase life insurance to help protect their families should they die prematurely. But according to data from the Society of Actuaries, people in their working years run a greater risk of being disabled for 90 days or more than they do of dying.   


DISABILITY INSURANCE CAN HELP
 

We don’t often realize how easy it is to become disabled. Most people think disabilities are caused by accidents, when in reality the majority of disabilities are caused by illness.

Services and Support for Personal Care

WHAT IS LONG-TERM CARE?

 Long-term care is a range of services and supports you may need to meet your personal care needs. Typically long-term care is less about medical care and more about the basic personal tasks of everyday life, or "Activities of Daily Living," (ADL's) such as:

  • Bathing
  • Dressing
  • Using the Toilet
  • Transferring to or from Bed or Chair
  • Caring for Incontinence
  • Feeding Yourself 


Additional Long-Term Care services and supports are assistance with everyday tasks, also known as "Instrumental Activities of Daily Living," (IADL's) such as:

  • Housework
  • Money Management
  • Preparing or Cleaning Up After a Meal
  • Shopping for Groceries or Clothes
  • Using the Telephone or other Communication Devices
  • Caring for Pets
  • Responding to Emergency Alerts such as Fire Alarms



WHO NEEDS LONG-TERM CARE?

Statistics show that 70% of people turning age 65 can expect to use some form of LTC during their lives.


HOW MUCH LONG-TERM CARE WILL I NEED?

It will vary per person, but the average stats are that:

  • Women need care an average of 3.7 years
  • Men need care an average of 2.2 years
  • One-third of today's 65-year-olds may never need long-term support, but 20% will need it for longer than 5 years.