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Medicare
Final Expense & Life Insurance
Final Expense & Life Insurance
I assist you in navigating Medicare insurance options, including Medicare Advantage, and Prescription Drug coverage, to ensure you find the right plan for your situation.
Final Expense & Life Insurance
Final Expense & Life Insurance
Final Expense & Life Insurance
Each offer peace of mind —such as protecting loved ones with life insurance, covering final expenses, building cash value, or leaving a legacy when that day comes.
Hospital Indemnity
Final Expense & Life Insurance
Hospital Indemnity
Hospital indemnity insurance helps to cover out-of-pocket costs like deductibles, copays, or other expenses associated with a hospital stay, complementing your life insurance and Medicare insurance plans.
Cancer Insurance
Retirement Options
Hospital Indemnity
Cancer insurance helps to cover costs that health insurance doesn’t—such as deductibles, travel for treatment, or even household expenses. This type of insurance can provide needed relief in your time of need.
Dental Plans
Retirement Options
Retirement Options
Stand-alone dental plans provide coverage for routine checkups, cleanings, and more extensive dental work like fillings, crowns, or dentures.
Retirement Options
Retirement Options
Retirement Options
Income strategies—such as lifetime income products, annuities, and life insurance—that are designed to provide steady income in retirement.
veterans matter
As a veteran, you’ve already given so much in service to our country. Our mission is to serve you—by helping you navigate your insurance options. Whether it’s understanding your Medicare benefits or finding the right life insurance plan, we’ll ensure you comprehend all of your options and discover the plan that best fits your needs and your family’s future. You took care of us—now it’s our honor to take care of you and your families.
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Frequently Asked Questions
What is an annuity?
An annuity is a contract with an insurance company that provides guaranteed income either immediately or in the future, often used as part of a retirement plan.
What types of annuities are available?
- Fixed annuity: Provides a guaranteed interest rate and predictable payments.
- Variable annuity: Payments vary based on investment performance.
- Indexed annuity: Earnings tied to a stock market index, often with a guaranteed minimum return.
- Immediate annuity: Starts paying income right away.
- Deferred annuity: Income begins at a future date.
Do I have to pay taxes on annuity income?
Yes. Earnings are typically tax-deferred until withdrawal. Payments are taxed as ordinary income. Roth annuities may offer tax-free withdrawals.
Can I access my money early?
Withdrawals before age 59½ may incur tax penalties, and some annuities have surrender charges if accessed early.
Are annuities safe?
Annuities are backed by the issuing insurance company, making them generally safe, but it’s important to review the company’s financial strength.
Can annuities provide lifetime income?
Yes. Many annuities offer lifetime income options to ensure you do not outlive your savings.
What are the fees?
Fees vary by type, but may include:
- Administrative or contract fees
- Mortality and expense fees (for variable annuities)
- Optional riders for extra benefits
Can my annuity keep up with inflation?
Some annuities offer inflation protection or cost-of-living adjustments, but fixed annuities may lose purchasing power over time.
Can I leave my annuity to my heirs?
Many annuities allow you to designate a beneficiary, so remaining funds are paid to them upon your death.
Do I need professional advice?
Yes. Annuities can be complex, so it’s helpful to consult a financial professional to choose the right type and features for your retirement goals.
What is cancer insurance?
A supplemental policy that provides cash benefits if you are diagnosed with cancer, helping cover medical and non-medical expenses not fully covered by health insurance.
Does cancer insurance replace my regular health insurance?
No. It’s designed to supplement your existing coverage, paying for out-of-pocket costs, experimental treatments, or everyday expenses like transportation and housing.
What expenses does it cover?
Coverage varies, but may include:
- Hospital stays and treatments
- Chemotherapy, radiation, and surgery
- Prescription medications
- Travel and lodging for treatment
- Lost income or everyday bills
Do I need a medical exam to qualify?
Many policies only require a health questionnaire, not a full exam.
Are there waiting periods?
Some policies have waiting periods (e.g., 30–90 days) before benefits begin for certain diagnoses.
Does it cover all types of cancer?
Most policies cover common cancers, but coverage for rare or skin cancers may vary. Always review the policy details.
Can I keep the policy for life?
Many plans are renewable for life, as long as premiums are paid.
How much does it cost?
Premiums depend on age, health status, coverage amount, and the plan’s benefit structure.
Can I use the benefits any way I want?
Yes. The policy typically pays cash directly to you or your family, so you can use it for medical bills, living expenses, or travel—whatever you need.
What is a stand-alone dental plan?
A dental insurance plan that only covers dental care, separate from medical or Medicare coverage. It helps pay for preventive care, basic procedures, and sometimes major treatments.
Who can get a stand-alone dental plan?
Available to adults and seniors, including those on Medicare, who want dental coverage not included in Original Medicare.
What does it cover?
Coverage typically includes:
- Preventive care: exams, cleanings, X-rays
- Basic procedures: fillings, extractions
- Major procedures (sometimes): crowns, bridges, dentures
Does it replace Medicare or other health insurance?
No. It supplements your existing coverage; it’s specifically for dental care.
Do I need a medical exam?
No. Enrollment usually requires no medical exams.
Are there waiting periods?
Some plans have waiting periods for major procedures; preventive care is often covered immediately.
How much does it cost?
Premiums vary by plan type, coverage level, and location, but many plans are affordable for seniors.
Can I choose my dentist?
Most plans allow you to see any licensed dentist, but some have networks that offer higher benefits if you stay in-network.
How do benefits work?
Plans often cover a percentage of costs (e.g., 100% for preventive, 80% for basic, 50% for major procedures) up to an annual maximum.
Can I keep the plan for life?
Yes, as long as premiums are paid and the plan remains available.
What is Final Expense insurance?
A small whole life insurance policy designed to cover funeral, burial, and other end-of-life costs.
How much coverage do I need?
Typically $5,000–$25,000, depending on funeral costs, debts, and personal wishes.
Do I need a medical exam?
Many policies only require a health questionnaire, not a full exam.
How much does it cost?
Premiums depend on age, health, and coverage amount. Most policies are affordable for seniors.
Who can be the beneficiary?
Anyone you choose—family, friends, or a trust.
When does coverage start?
Usually immediately for standard policies; some have a graded benefit period for high-risk individuals.
What is hospital indemnity insurance?
A supplemental insurance policy that pays a fixed cash benefit if you are hospitalized. It helps cover costs that your regular health insurance may not fully pay, like deductibles, copays, or everyday living expenses.
Does it replace my health insurance?
No. It supplements your existing coverage; it’s not a substitute for Medicare or other health insurance.
What does it cover?
Typically covers:
- Hospital stays (daily benefit for each night)
- Intensive Care Unit (ICU) stays
- Sometimes additional benefits for surgeries, outpatient procedures, or follow-up care
Who can get hospital indemnity insurance?
Generally available to adults, including seniors, but eligibility can depend on age and health.
Do I need a medical exam?
Most policies only require a short health questionnaire—no full medical exam.
Are there waiting periods?
Many plans have a waiting period before benefits kick in, usually 0–30 days. ICU benefits may have separate rules.
How much does it cost?
Premiums depend on age, health, and the daily benefit amount you select. Policies are often affordable for seniors.
Can I use the benefits for anything?
Yes. The cash benefit is paid directly to you, so you can use it for hospital bills, transportation, groceries, or any other expense.
Can I keep the policy for life?
Many plans are renewable for life, as long as premiums are paid and eligibility requirements are met.
What types of life insurance are available?
- Term life: coverage for a set period, usually lower cost.
- Whole life: permanent coverage with cash value accumulation.
- Universal/Indexed: flexible premiums with potential growth.
How much coverage do I need?
Depends on income replacement, debts, future expenses, and family needs.
Do I need a medical exam?
Term life often requires an exam; some simplified issue or no-exam policies are available.
Can I change my policy later?
Some policies allow conversion or adjustments; term policies may have limited flexibility.
What happens if I stop paying premiums?
For term life, the coverage ends. For permanent policies, cash value may be used to keep coverage.
What is Medicare?
Federal health insurance for people 65+ or certain younger individuals with disabilities.
What are the parts of Medicare?
- Part A: Hospital coverage
- Part B: Medical coverage
- Part C (Medicare Advantage): Combines A & B, often includes D and extra benefits
- Part D: Prescription drug coverage
Do I need a Medicare Advantage plan?
No, Original Medicare works alone, but Advantage plans can lower out-of-pocket costs and add extra benefits.
What is Medigap?
Supplemental insurance that helps cover deductibles, copays, and coinsurance not paid by Original Medicare.
When can I enroll?
- Initial Enrollment: When you turn 65
- Annual Enrollment: October 15–December 7
- Special Enrollment: For qualifying life events
Can I change my plan later?
Yes, during annual or special enrollment periods.
What is a MYGA?
A MYGA is a type of annuity that offers a fixed interest rate for a set number of years, making it a low-risk option for growing retirement savings.
How does it work?
You deposit a lump sum with an insurance company, and it earns a guaranteed interest rate for the contract period (commonly 3–10 years).
Is the interest taxable?
Interest grows tax-deferred. You pay taxes only when you withdraw funds, unlike bank accounts where interest is taxed annually.
Can I access my money early?
Withdrawals before the end of the term may incur surrender charges. Some contracts allow a penalty-free withdrawal up to a certain percentage each year.
What happens at the end of the term?
At maturity, you can:
- Withdraw your principal and interest
- Roll it into a new MYGA
- Convert it to an income stream
Are MYGAs safe?
They are backed by the insurance company, so choosing a financially strong company is important. They are not FDIC insured, unlike CDs.
Can MYGAs provide lifetime income?
Yes. You can annuitize your MYGA at the end of the term to receive guaranteed lifetime income if desired.
How do MYGAs compare to CDs?
- MYGAs: Tax-deferred growth, higher interest rates, less liquidity
- CDs: FDIC insured, taxable annually, lower rates
Who is a MYGA best for?
Ideal for retirees or savers who want guaranteed growth, predictable returns, and tax-deferred savings without stock market risk.
Do I need professional advice?
Yes. A financial professional can help determine the term length, amount, and strategy that best fits your retirement plan.
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