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 RJW Insurance Consultants come in.
Whether you´re searching for Life Insurance, Medicare Supplement, Long Term Care, Dental Insurance, Final Expense or retirement strategies that help you maximize your retirement income, 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.
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. But we are decidedly different.
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 help you understand your options so you can make the best decision that fits your needs.
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. There will never be a charge for our assistance or for a friendly, no-obligation chat. Contact us for Medicare 101. It's free and you will finally understand Medicare and what your options are so you can make the best decision now. Wrong decisions can be costly!
If you are a Federal Employee, a FERS or CSRS, visit www.federalbenefits101.com for detailed information on your benefits . We offer a personalized Federal Employee Benefits Retirement Packet at no cost. It is a wonderful tool to help you make good decisions for your future retirement.
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 insorting through the numerous Medicare options. We can also help you in choosing a Medicare prescription plan that includes your specific medications.
That is my mother and brothers in the picture. My mother had planned to stay in her house when the time came that she needed assistance. She remodeled her house so wheelchairs and other equipment would fit. She purchased Long-Term Care insurance. Her policy had a 90 day elimination period and in-home care. So when she was diagnosed with Pancreatic Cancer, she had to have 90 days of service before she could request reimbursement for costs. So my brothers and I became her caregivers. It was exhausting and affected my health. It took me away from Illinois where my business and husband are to Michigan. Both my brothers who still had children at home along with full time careers became part time caregivers as we tag teamed each other allowing us to return home for brief periods to be with our families and take care of other responsibilities. After a while we realized that we could not handle her needs alone and had to hire outside help to allow us to get 7-8 hours sleep and take care of errands. Medicare provided some in home help for about 3 hours a week. After spending $40,000 in less than 90 days on home care workers and nurses (the only ones allowed to dispense medication), my mother passed away.
And I only have one regret. All my time was spent administering medications, dressing, feeding, bathing, helping her get to the bathroom and in some cases restraining her from leaving the house in the middle of the night. Morphine can make people do some interesting things. I didn’t get to slow down and be with her in the moment. I didn’t get to be there for her emotional needs because there just wasn’t time. I imagine my one brother’s regret was that he had to shower his own mother which must have been very awkward for him. My brothers missed out on the same thing I did.
Fortunately, today there are options that my mother didn’t have available. Options that allow for in home care immediately. Options that are no longer use it or lose it. I estimate that my mother spent over $30,000 on premiums for insurance that she never got to use.
Why not take advantage of these options to help you maintain an independent lifestyle. What happens if you suffer serious or chronic illness or mobility problems? You´ll still want to lead the most comfortable and productive life possible. The right solution gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.
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.