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Preparing for the unthinkable to safeguard your financial assets and shield your family fromfinancial devastation.
Final Expense-also known as burial or funeral insurance. A type of whole life insurance designed to cover end of life cost.
Mortgage Protection-Specialized term life insurance that pays mortgage directly upon death sofamily can remain in home. Optional riders can be added to expand coverage to include criticalillness or long-term care protection.
Term Life- Insurance that has a coverage period of 10, 15, 20, 30 years. Cost effective way tosecure large amount of life insuranceWhole Life- Protection for entire life. Optional riders can be added to expand coverage toinclude critical illness, long term care, waiver of premium. Universal/Index
Universal-Permanent insurance that offers life long coverage, along with cashvalue.
Index is linked to the performance S&p 500 to allow greater cash value growth.
These policies allow you to borrow against your cash value. Optional riders can be added to expand coverage to include critical illness, long term care and waiver of premiumAccidental Death and Dismemberment- specific for accident and loss of limb.
Medical:
Short term coverage- changing jobs and in between coverage. Less expensive than COBRA
Private coverage- For those that do not qualify for ACA subsidies, affordable family coverage available.
ACA- Marketplace insurance
.
Dental and Vision
Hospital Indemnity- supplemental insurance that pays cash benefits directly to policy holder in
event of hospital stay or covered medical service.
Health Savings Account – Tax advantage savings account for individuals to use on qualified
expenses.
Medicare Supplementals- to help pay for deductible and out-of-pocket expenses. Dental and
Vision also available
Medicare Advantage- alternative plans approved by Medicare that are offered by private
companies that may offer more benefits than traditional Medicare
*We do not offer every plan available in your area. Any information we provide is limited to those plans*
*We do offer in your area. Please contact Medigare.gov, 1-800-MEDICARE or you State Insurance Program
to get information on all of your options*.
Long Term Care- designed for skilled nursing or memory facility after insurance maximum is met.
Our team of accountants and financial advisors have been helping clients with Retirement planning strategies for
over 20 years.
Debbie G.
Lisa C.
Mark K.