Individuals & Families
For the past 10 years, the Affordable Care Act (“ACA”) has made it possible for individuals and families to enroll in health insurance plans that meet their needs and that fit within budgets. Key provisions of the ACA are altered, making coverage more difficult to obtain. Finding affordable coverage is difficult now. If you are interested in exploring ACA plans or alternatives, reach out to me and we’ll discuss your needs.
Small Groups
More than 80% of job seekers prefer positions that offer group benefits. Some would trade higher pay for good benefits. There are a number of options for employers who would like to offer affordable benefits to attract and retain great job candidates. Optional voluntary benefits are also a wonderful way to attract workers who want coverage of accident, critical illness or cancer.
Medicare
Every individual who turns 65 is bombarded with promotional mail from insurance carriers extolling the benefits of their Medicare offerings. On top of that, to say Medicare is confusing is an understatement. I will help you determine which plan type and carrier is best for you. I’ll conduct an individualized “Medicare 101” tutorial session where you get to asks the question you want and I’ll give you straightforward answers. As an independent agent, I represent more than a dozen Medicare plan carriers and I’ll help you select the options that are right for you, without favor.
Dental & Vision
Dental and vision insurance provide access to preventative care and potentially costly treatments. These plans can help manage expenses related to eye and oral health, promoting overall wellness and potential preventing more serious health issues down the line.
Accident & Critical Illness
Accident and critical illness insurance provide crucial financial protection against unexpected events. Accident insurance helps cover costs associated with injuries from accidents, while critical illness insurance provides a lump sum payment upon diagnosis of a serious illness, such as cancer, heart attack or stroke. These plans PAY BENEFITS DIRECTLY TO THE INSURED and the funds can be used for any purpose — rent, groceries, medical bills or other expenses.
Life Insurance
Purchasing life insurance is a decision that should be made based on circumstances and financial goals. Life insurance can provide many benefits including covering final expenses, debt repayment, estate and legacy planning, income replacement and, with the appropriate riders, living benefits.
Retirement Planning
The process of arranging for the management and distribution of your assets, both during your lifetime (especially in case of incapacity) and after your death is an important one. If you own a home, it it generally considered to have an attorney prepare a revocable living trust. The trust can specify your wishes as to healthcare in the even of incapacity and name someone who will manage your affairs during this period. Once the trust is established, it is imperative that it is funded with all of your key assets. I am happy to perform a review of your established trust and insure that it is properly funded. In the process, I can help you map out an income plan for your retirement.
Resourceful, Reliable & Resilient