Affordable Medicare Health Plans
Medicare Advantage (Part C)
Medicare Advantage plans offer an all-in-one alternative to Original Medicare. They combine hospital (Part A) and medical (Part B) coverage, often including additional benefits like vision, dental, and prescription drugs. These plans are provided by private insurance companies approved by Medicare and may offer lower out-of-pocket costs compared to Original Medicare.
Medicare Supplement (Medi-Gap)
Medicare Supplement plans help cover costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles. These policies, sold by private companies, help reduce out-of-pocket expenses, providing financial predictability. Medigap plans work alongside Original Medicare and do not include prescription drug coverage.
Medicare Prescription Plans (Part D)
A PDP, or Medicare Part D plan, specifically covers prescription medications. These plans are offered by private insurance companies and can be added to Original Medicare, Medicare Supplement plans, or certain Medicare Advantage plans without drug coverage. They are also combined with many Medicare Advantage Plans. PDPs help lower prescription costs and provide coverage for a wide range of medications.
Life insurance
Whole Life
Final Expense
Final Expense
Whole life insurance provides lifetime coverage with a guaranteed death benefit and cash value accumulation. Premiums remain fixed, and the policy builds cash value over time, which can be accessed through loans or withdrawals. It's a reliable way to ensure your loved ones are financially protected.
Final Expense
Final Expense
Final Expense
Final expense insurance is designed to cover end-of-life expenses, including funeral costs, medical bills, and other outstanding debts. These smaller, affordable policies help ease the financial burden on loved ones during a difficult time.
Term Life
Final Expense
Mortgage Protection Guide
Term life insurance offers coverage for a specified period (such as 10, 20, or 30 years) and provides a death benefit if the insured passes away during the term. It's an affordable option for protecting your family's financial future, especially when covering temporary needs like a mortgage or income replacement.
Mortgage Protection Guide
Mortgage Protection Guide
Mortgage Protection Guide
Mortgage protection insurance is designed to pay off or reduce your mortgage balance if you pass away unexpectedly. It ensures that your family can stay in their home without the financial burden of continuing mortgage payments. Typically offered as a term policy, it provides peace of mind and security for homeowners.
Indexed Universal Life
Mortgage Protection Guide
Indexed Universal Life
An IUL combines life insurance protection with cash value growth linked to a market index (like the S&P 500). It offers flexible premiums, tax-advantaged growth, and the opportunity to build wealth while providing a financial safety net for your family. This is a great product to secure your child's future!
Long Term Care
Mortgage Protection Guide
Indexed Universal Life
Long-term care insurance helps cover the costs of care not typically covered by health insurance, Medicare, or Medicaid. It pays for assistance with daily living activities, such as bathing and dressing, whether at home, in assisted living, or in a nursing facility.