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Competition = Lower Costs
The insurance industry includes hundreds of different companies hoping to earn your business. It is a very competitive market and it pays to shop around for the very best deals. This is where we come in.
Whether you're searching for Life Insurance, Annuities, IRA's and other retirement strategies, Health Insurance, you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage.
Medicare Insurance
Medicare by itself has a high deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Let us guide you in sorting through the numerous Medicare options. We can also help you in choosing a Medicare prescription plan that includes your specific medications.
Mortgage Protection Insurance
The Insurance of yesterday was payable only one way, upon the death of the policy owner. The Insurance of today is designed to provide assistance to the living. Sadly, unforeseen situations happen un-announced. Diagnosis of cancer, sudden stroke, pandemic diseases and other things that no one asks for but truly change the direction in what will need to happen the following day and all days thereafter. Chronic, critical and terminal illnesses are provided with Mortgage Insurance so that those living won't have to worry about losing what the family has worked so hard to secure.
Final Expense Insurance
Your family will always come first. You wouldn't want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it's absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.
Why Should I Call This Agency for Insurance?
Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another.
Let's face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.
We promise to focus our attention on your individual needs.
Feel free to design your own policy or create your own quote to fit your budget at: https://agents.ethoslife.com/invite/8d6932
Please don't hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. Book a personal 30-minute Q+A appointment now! There will never be a charge for our assistance or for a friendly, no-obligation chat.
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Medicare's Annual Enrollment Period (AEP) is here. It's your once-a-year chance to review your current plan and make any updates for the upcoming year. Considering a new plan? Want to explore additional benefits? Or just want to make sure you're still getting the best value? Now's the time to act! Even if you're satisfied with your current coverage, it's wise to take a fresh look. Plans can change from year to year, and those updates could impact your coverage or out-of-pocket costs. AEP is open from October 15 through December 7 only, so don't delay! If you haven't scheduled your annual review with me yet, reply to this message or give me a call right away. We'll make sure everything is in place for the year ahead.
Since 1997, National Family Caregivers Month has been officially observed every November in the United States. It's a time to recognize and honor family caregivers — those who provide care and assistance to a family member with limitations due to illness, injury, or disability — across the country. Caregiving can be physically challenging and emotionally draining. Many caregivers sacrifice their own well-being to take care of their loved one. According to the Caregiver Action Network, you can increase support for family caregivers you know by providing respite care and checking in on them regularly. A thoughtful card or text message, or even a small gift, can show that you recognize their sacrifices. If you personally need help with home care and do not have a family caregiver, please reach out to me for details on short-term and long-term care options that can provide dignified home healthcare services.
As we head toward the end of the year, it's a good time to check in on your health, safety, and routines, no matter where you live. Even if you don't face snow or freezing temperatures, the seasonal shift can still affect your well-being. According to the National Institute on Aging, falls are the leading cause of injury among older adults, but many are preventable. Since shorter days and changes in weather can impact visibility, balance, and home safety, you'll want to check to make sure that your walkways are well-lit and free from any tripping hazards. Also, possible storms, holiday travel, or just a busier schedule can make restocking your medications and household essentials more difficult. So, make sure you have a few weeks of supplies in advance to prevent any issues. Experts at the National Institute on Aging also point out that it's important to stay socially connected as the holidays approach. Especially if your family or friends are far away, regular phone calls, video chats, or community events will help you maintain a sense of connection. Whether you're dealing with colder weather, darker evenings, or a change in routine this time of year … a little planning can help you stay safe and in a positive mood all season long.
Did you know that a guaranteed lifetime annuity functions much like a traditional pension, offering consistent income throughout your retirement years? That's why many retirees explore annuities to safeguard against the risk of outliving their savings. This is a real concern for many retirees, especially as life expectancies increase. Guaranteed lifetime annuities are a wise — and reassuring! — choice for many people.
ARTIFICIAL INTELLIGENCE (AI) is an evolving technology that tries to simulate human intelligence using machines. AI technology is apparent in computers that play chess, self-driving cars, customer service chats/texts, and “personal assistants” like Amazon's Alexa and Apple's Siri, among other things.
