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Products & Services

Products to Help Protect Your Retirement Dollars

Medicare Supplement Insurance

Long-Term Care Insurance

Even the smartest investment strategy can’t protect your assets from a long term care event.

As Americans continue to live longer, we have a greater chance of eventually needing care. According to the American Society on Aging, 70% of Americans age 65 or older today will need some form of long-term care. Of those who currently have long-term care needs, 41% are under age 65.

Long-Term Care Insurance gives you the control and ability to stay independent for as long as possible.

Whether you need care early on, due to an unforeseen illness or accident, or later in life, Long-term care insurance gives you the dignity you deserve while providing the coverage you need in the location of your choice.

Long-term care insurance protects your assets and helps you maintain your quality of life. It helps keep you independent by enabling you to stay at home for as long as possible. Every policy we design is custom-made for you, depending on your specific circumstances.

We specialize in Long-Term Care Insurance and are licensed with top-rated companies including John Hancock, TransAmerica, MetLife, Genworth, Prudential, and MedAmerica, just to name a few.

Questions about your current Long-term care policy? We will do a complimentary review of your current policy with no obligation!

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Life Insurance (including MoneyGuard Reserve)

Some things shouldn’t be left up in the air. Life is nothing but change. Be anything but UNPREPARED. A life insurance policy can help meet a range of needs in the event of your death, including:

  • The costs of settling your estate
  • Income for your family after you’re gone
  • Estate liquidity
  • Education funding
  • Grandparent gifting

If you own a company, you have more to consider. Put your worries to rest by addressing the following needs:

  • Business continuation strategies
  • Key executive protection
  • Bonus plans

MoneyGuard Reserve is a universal life insurance policy that helps give you retirement income security whether you face long-term care costs, need access to your assets, or pass assets to your heirs. MoneyGuard Reserve provides benefits you can tap into to reimburse qualified long-term care costs, protecting assets you’ve set aside for retirement.

MoneyGuard Reserve key benefits:

  1. Get more for your long-term care dollar–free up other assets
    Leverage assets you’ve set aside for long-term care. This allows you to free up additional assets you’d targeted for long-term care, because they will no longer be needed for that purpose.
  2. Money back guarantee–should you change your mind
    If you fund your policy with a single premium payment, you can get back the money you paid into the policy.
  3. Be tax smart about long-term care–income tax-free benefits
    The money you receive from MoneyGuard Reserve to reimburse long-term care costs is income tax free. And if you never need the benefits for long-term care, they are passed to your family through an income tax-free death benefit.

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Indexed Annuities

Where will your retirement dollars take you? Are your retirement dollars safe? Do you have enough money to retire? In today’s volatile financial market, indexed annuities can help you protect your retirement and assure your lifestyle. These fixed annuities provide an opportunity to potentially earn more interest than traditional fixed annuities and other safe money alternatives.

A very important benefit is that your premium and credited interest can never be lost due to index volatility.

These innovative tax deferred annuities can help you maximize both growth and safety for your hard-earned retirement dollars, ultimately offering you the peace of mind you deserve. Since creating a retirement nest egg is hard work, ask us about the other benefits of indexed annuities, including bonuses and guaranteed lifetime income.

It’s not only LIVING ON YOUR INCOME, it’s being able to live on the income YOU NEVER EXPECTED TO OUTLIVE!

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Medicare Supplements

Medicare supplements, also called Medigap, help pay some of the health care costs that Original Medicare doesn’t cover (like coinsurance, copayments, and deductibles). These policies may also cover certain things that Medicare doesn’t cover. Each standardized Medigap policy, identified by letters A through L, must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medigap policies sold by different insurance companies.

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Medicare Advantage Plans

Medicare Advantage Plans are private health plans that contract with Medicare. For many people, Medicare Advantage plans are a good value because they can offer health benefits at low or no additional monthly premium beyond the Medicare Part B premium. Medicare Advantage plans come in several different forms. The plans you’ll see most often are Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). There also are some newer types of plans like Special Needs Plans (SNPs) and Private Fee-for-Service (PFFS).

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Medicare Prescription Drug Programs

You can enroll in a Medicare Part D prescription drug plan up to three months before and up to three months after the month you turn 65. Enroll before your birthday month for benefits starting the first day of your birthday month. If you wait to enroll, benefits will begin on the first day of the month after you’ve enrolled. If you do not enroll in a plan when you first become eligible for Medicare, you might be subject to the government-imposed Medicare late-enrollment penalty. The penalty will stay with you for as long as you are enrolled in the program. So it is important to enroll in a plan as soon as you can!

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