Term - Coverage for a set amount of time (10, 15, 20 years) and a premium that doesn't change. No Cash Value accumulation.
Laddering several policies to have the right coverage at the right time may achieve your needs.
Permanent - Coverage, time and premium may change based on your needs. Cash value with uninterrupted compound interest may accumulate and may be used tax free without age restrictions. Coverage may last until age 121.
Your most valuable asset is your income. With a customized disability income insurance policy, a portion of your income can be replaced if you become disable. Flexible elimination period, length of coverage, and coverage amount to fit your needs. Individual or Multi-Life Guaranteed Standard Issue available.
We offer products that are an alternative to Roth IRA's. They offer some of the tax features of a Roth IRA and also offer additional benefits, i.e., no income limitations or age restrictive withdrawals.
Not all providers can say they will provide diverse, extensive investment portfolios, full-service or investment-only service platforms, enrollment and education support, ongoing monitoring, communication regarding legislative and regulatory updates, and an annual plan review. We can and we do. And more. We work with a company with over 70 years in the retirement field.
Medicare Supplement (Medigap):
Original Medicare (part A & B) does not pay for all health care services and supplies. Medicare supplement insurance policies can help pay copayments, coinsurance, and deductibles. We offer Plan A, N, G and F. Plans do not differ from carrier to carrier, just the premiums differ. Find out what situations provide these plans with out medical questions.
Original Medicare (part A & B) does not pay for prescriptions. There is a plan for you, based on your prescriptions. Every year your prescriptions should be checked against your plan.