WE PROVIDE SOLUTIONS

Coverage We Offer

HEALTH PLANS

SCHEDULED BENEFITS PLANS:
These are inexpensive policies that pay you directly, not the hospitals or doctors, and are designed to pay deductible or co-insurance cost you might incur as the result of a sickness or injury.
HEALTH SAVINGS ACCOUNTS:
Ideal for those interested in trading low deductible health insurance for a higher deductible plan to save money on monthly premiums and taxes. an H.S.A. will give you more control over how your health care dollars are spent.
SHORT TERM MEDICAL PLANS:
Ideal for times when you are in between jobs and COBRA is too expensive, or starting a new job that may not provide group health coverage for the first month or two, also a student that is no longer eligible for coverage on parent's plan, or you're retired and waiting for Medicare eligibility.
INDIVIDUAL DISABILITY:
Provides income replacement for a period of time if you were unable to work die to a disability.
DENTAL, VISION & DRUG PLANS:
Polices and discount plans available on many of the health plans we offer, or as a stand alone product if it is currently available with the coverage you have.

LIFE INSURANCE

TERM LIFE:
Provides life insurance coverage for a specified length of time . It ensures that there will be money to pay mortgages, medical bills, final expense cost, and to care for your family in the event of your death. You can purchase varying amounts for varying periods of time. New term contracts are available that will return the entire premium you pay during the term of the contract.
WHOLE & UNIVERSAL LIFE:
Life insurance that accumulates a guaranteed cash value and is used for special circumstances.
FINAL EXPENSE PLANS:
Issued for those 50-85 with no height or weight restrictions and very little medical underwriting. Death benefits range from 3,000-35,000. Different plan options are available depending upon your health.

RETIREMENT PLANNING

401k ROLLOVERS:
Products available that allow you to benefit from index gains but avoid market losses. you have withdrawal privileges, locked in annual gains, and some plans provide premium bonuses of up to 10% on all deposits made in the first year, along with other benefit features.
INCOME PRODUCTS:
Plans that provide guaranteed monthly income for the rest of your life while also earning interest on the balance of the amount deposited, and will return the balance of any amount deposited in the event of your death.
MEDICARE PLANS:
Medicare supplement plans, Medicare Choice Plans, and Medicare Part "D" prescription drug plans.
IRREVOCABLE TRUSTS:
Irrevocable trusts allow you to use the funeral home of your choice ans can also be transferred if you move out of state.
A funeral trust is considered as an exempt asset when applying for Medicaid/title 19 nursing home care. after your funeral, if excess monies remain, they may be returned to your beneficiaries tax-free.
Planning and funding your funeral in advance protects your loved ones and gives you peace of mind that you will get the funeral you arranged at the price you agreed.