Products & Services

Medigap is also called Medicare supplement insurance. These plans are sold by private insurance companies and the price varies by zip code. Like Medicare advantage you must be enrolled in both part A, and Part B of original Medicare.

Medicare Advantage is also called Medicare Part C. These plans replace Medicare and are an “all in one” option.  They are an alternative to original Medicare. These plans are offered by private insurance companies approved by Medicare. When you join one of these plans all parts are bundled together,  A,B, and D However some Medicare advantage plans don’t cover prescription drugs coverage. Some Medicare advantage plans also offer “extra benefits” and may include dental, vision, and fitness memberships.

A life insurance policy states that you will pay premiums to an insurance company over a period of time, and, in exchange, the company will pay a lump sum amount to a designated beneficiary upon your death. The money from your life insurance policy can help pay bills and help support your surviving family members’ living expenses. You may need to adjust the amount of your life insurance policy related to major life events, like buying a home, getting married, or having a child.

Long-term care (LTC) insurance is a range of services and support for your personal care needs. Most long-term care isn’t medical care. Instead, most long-term care is help with basic personal tasks of everyday life like bathing, dressing, and using the bathroom, sometimes called activities of daily living. Medicare doesn’t cover long-term care (also known as custodial care) if that’s the only care you need. Most nursing home care is custodial care. You pay 100% for non-covered services, including most long-term care. We can help you plan for that time.

Final Expense insurance is a type of insurance that covers the expenses related to a person’s funeral and burial. It is also known as burial insurance and provides a way for individuals to ensure that their final expenses are taken care of without placing a financial burden on their loved ones. These policies are typically smaller in size and can be used to pay for funeral costs, cemetery expenses, and other end-of-life costs.