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Competition = Lower Costs

The insurance industry includes hundreds of different companies hoping to earn your business. That results in good competition, but it creates confusion and a lengthy shopping process for the consumer because there are so many choices.

Whether you´re searching for Life Insurance, Annuities, IRAs and other retirement strategies, Health Insurance or "ObamaCare", you must be well-informed and well-advised to get the most out of your premium dollars. An experienced, independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage. This is where we come in.

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 inchoosing the right Medicare Supplement or Medicare Advantage policy. We can also help you to select a Medicare Part D plan that includes your specific medications.The Annual Enrollment Period for Medicare Advantage and Part D plans is from October 15 to December 7 each year.

Individual and Group Health Insurance

Nearly everybody is confused about their healthcare options - and rightly so. You can´t rely on politicians or media reports for a clear and unbiased explanation. You want the facts, not opinions. We´d be happy to evaluate your current coverage and present you with side-by side comparisons of alternatives.

Open Enrollment for 2017 Individual Affordable Care Act plans is from November 1, 2016 to January 31, 2017. To have a plan effective January 1, 2017, you must enroll by December 15, 2016. Unless you have a qualified life event (such as losing group coverage, moving to a new service area, or experiencing a change in your family size), you need to enroll in a qualified health plan during Open Enrollment in order to avoid the government penalty. Small businesses can enroll anytime. Both individuals and small businesses may qualify for substantial tax credits to dramatically reduce their portion of the monthly premiums.

There are also other, more affordable options than the Marketplace plans. We can tailor a plan to your particular needs and circumstances. Just call us for more information.

Long-Term Care and Final Expense Insurance

Maintaining an independent lifestyle is one of the highest priorities for older Americans. Should you suffer serious or chronic illness or mobility problems, you´ll still want to lead the most comfortable and productive life possible.

Long-Term Care Insurance gives you the financial means and the support options you desire and protects your assets from being eaten away by the rising costs of long-term care. 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.

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. 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 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, and we can design a plan to fit your budget.

We promise to focus our attention on your benefit exclusively.

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.

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