Health & Life Ins.

Individual & Group Health Insurance

The Affordable Care Act (ACA) is ushering in an era of comprehensive health care reform.  Whether you’re an individual, family or employer our goal is to help you understand what the ACA may mean to you – and how it may impact you financially.

 

Medicare Supplements & Advantage Plans

Turning 65 can bring a host of questions:  Do I need to sign up for Part B?  If so when?  Do I need a Medicare Supplement or Medicare Advantage Plan?  What is the difference between the two?  What about a prescription drug plan?  Let us help guide you through the maze and cut through some of the confusion.

 

Long Term Care Insurance

Aging, Long Term Care and the insurance that may be available are a big topic now days.  Long Term care Insurance isn’t for everybody but does have a place in certain instances.  We will work with you to help answer your questions about your Long Term Care Insurance needs and find out if it might make sense for you.

 

Disability Insurance

Disability insurance provides coverage that replaces a portion of an employer’s or employee’s income if they become too sick or disabled to return to the job.  A Harvard University report reveals that 62% of all personal bankruptcies filed in the U.S. in 2007 were due to an inability to pay for medical expenses. (The American Journal of Medicine June4, 2009)

 

Critical Illness Insurance

Reduce the potential financial impact of a critical illness on your family and your future.  Fortunately, surviving a critical illness is becoming increasingly common with advances in medical technology.  However, the costs of fighting these illnesses or keeping up with everyday bills can be more than most are prepared to deal with.  With supplemental critical illness insurance, you may receive a lump-sum or monthly payment upon diagnosis of a covered condition.

 

Life Insurance

Life insurance is a key component of estate planning.  In addition to helping to support dependents, a life insurance policy can provide immediate cash at death to pay deceased’s debts, funeral expenses, and income or estate taxes.