An agent is professionally trained on the products they represent. They are required to have 24 continuing education credits to make sure they continue to be current on insurance topics. Agents are client advocates and can work with insurance companies to resolve issues quickly – much more quickly than the client can do that working directly with the insurance company. The services of an agent are free to a client.
Independent brokers represent a number of different insurance carriers, which means our goal is to provide a solution which is not tied to only one company. This means better choices for our clients.
Our normal response time to return calls from clients is two hours and no more than 24 hours.
There are two choices of Medicare Health Insurance you can purchase:
- A Medicare Supplement and a prescription drug plan (Part D)
- Medicare Advantage plans with Part D coverage included.
Medicare alone will not pay all of your medical expenses. Original Medicare works like a lot of health plans in that there are deductibles and co-pays. The costs with standalone Medicare can be significant for hospital stays and diagnostic testing. Most people want to reduce these out of pocket expenses by purchasing additional private medical insurance.
Your most important asset is your ability to earn income. Purchasing income protection or disability coverage enables you to protect this important asset for you and your family. This coverage is activated when you are injured or become seriously ill.
More than 63% of wage earners believe their chances of becoming disabled for 3 months or more is about 2%. The fact is that the chances of being disabled are about 30%. In the US, a disabling injury occurs every second and a fatal injury occurs every 4 minutes. If you don’t know how you would pay your bills if you experienced a serious injury or illness, it is time to consider disability coverage.
CLTC is a professional degree in the field of long-term care, Certified in Long-Term Care. The program is independent of the insurance industry and focuses on providing financial service professionals the tools needed to meet their client’s long-term care needs.
The field of long-term care insurance is complex. It intersects with other professions such as financial planning, tax law, home care, government funding and elder law. The ability to serve the community depends on understanding what resources, such as housing and services, clients will need as they age and how they will be paid for and this is what the CLTC designation is all about.
There is a 70% chance that you will need Long Term Care (LTC) services.
No one wants to think about needing long term care. Yet, the chances of needing it are 4 – 6 times greater than your house burning down. Doesn’t it make sense to put a plan in place since this is not covered by health insurance? Otherwise, what will be the consequences to your family and your finances?
Health insurance, even Medicare, does not cover long term care services. If you do not have a plan in place, you may not get the care you want and prefer. Having a policy in place can make sure that the funds you need for care are available when you need them, without having to liquidate assets or use retirement savings. You cannot guarantee the value of your retirement savings in the future. However, you can count on long term care funds to be there when you need them.
The national average cost of care is over $67,000 per year
As of January, 2018, all employers who offer health insurance benefits will have to comply with the Affordable Care Act. This means that any grandfathered/grandmothered plans will no longer be available.The impact of this is to effectively double the rates for fully insured plans.
Now is the time to start looking for alternatives to the high cost of compliant plans.. A carefully constructed benefits plan can address the high deductible, the coverage gaps and combine employer-paid and employee-paid benefits at a significant savings.
Our benefits package includes group health benefits, dental, vision, cancer and accident protection, life insurance, disability, and long term care.
We will help you find the best employee benefits plan to meet all of your needs. We can streamline the benefits process for you and your employees will love the coverage!