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Here to Help with all Things Life and Health Insurance


Original Medicare

Original Medicare is the same for everyone in most ways but is very important to understand because it is the foundation to making choices for the rest of your Medicare coverage. 

Medicare Advantage

Also known as Part C or Replacement plans, Medicare Advantage is a popular choice among Medicare recipients. These plans take over as primary coverage and have set costs for services that you can review prior to enrolling. Many of these plans also include a Part D Prescription Drug Plan but not all. These plans may also offer additional benefits to help with dental, vision, and many other types of services. They are also network based so you may have choices such as HMO's and PPO's so make sure your providers are covered in the network!

Medicare Supplements

Medicare Supplement Plans go with Original Medicare as a secondary so Original Medicare pays first here. There are multiple plans to choose from and many carriers that offer them. These plans are designed to cover all or part of the copayments, coinsurance, and deductibles associated with Medicare. These plans don't have networks so they have the flexibility of going anywhere Medicare is accepted. Don't forget to get a Prescription Drug Plan to go along with it as they don't cover prescriptions!

Part D Prescription Drug Plans

Neither Original Medicare or Medicare Supplements cover prescriptions so it's important that you enroll in one if you want the coverage. As stated earlier, many Medicare Advantage plans include Part D. There are many carriers that offer these types of plans. They vary in costs and formularies which means that different plans cover different prescriptions and they may cover them at different costs. We can do the research for you and identify the ones that meet your needs.

Short Term and Long Term Care

While Medicare may cover up to 100 days for certain stays at a facility, Medicare was never designed to cover assisted living or longer stays. The need for these stays are common and can be quite expensive. We encourage everyone to consider getting coverage. There are various ways to cover yourself so reach out and we can help you determine the most suitable options. 

Hospital Indemnity

Hospital Indemnity plans are simply to help pay stays in a hospital. We work with multiple insurance companies to bring this coverage to our clients. These are most popular for those who choose a Medicare Advantage plan as they have copays for hospital stays that can become costly. 

Cancer Plans

With the high costs of fighting cancer, it's helpful to have coverage designed to pay for it. The costs will depend on what you have for your primary Medicare coverage. Some cancer plans are designed to just give you the funds to pay for treatments and other costs that could go with fighting cancer while other cancer plans will also help you beat cancer by paying for things such as genomic sequencing. Reach out to find out what coverage is right for you!

Health Insurance

ACA (Affordable Care Act)

This coverage is what you might find on healthcare.gov or sometimes referred to as Obamacare or marketplace coverage. This type of coverage is offered by various companies and can have many different price points especially considering the subsidies that you may qualify for. The subsidies typically have to do with income and how many people will be on the policy.

Health Indemnity Plans

Health Indemnity plans can be an excellent alternative to the ACA plans depending on your circumstances. They can be built to your specific needs and can cover a wide range of budgets. Some of the benefits can be avoiding some of the high deductible ACA plans and more flexibility in how you use it. 

Life Insurance

Term Life

Term life insurance is a type of life insurance policy that provides coverage for a specified period, or "term," usually ranging from 10 to 30 years. It offers a straightforward approach to protecting your loved ones financially in the event of your death. If you pass away during the term of the policy, the insurance company pays out a death benefit to your beneficiaries. Term life insurance is often chosen by individuals who have specific financial obligations they want to cover, such as mortgage payments, educational expenses, or income replacement for a certain period. It is generally more affordable compared to other types of life insurance, making it an attractive option for many.

Whole Life

Whole life insurance is a permanent life insurance policy that provides coverage for your entire lifetime, as long as the premiums are paid. It not only offers a death benefit to your beneficiaries but also accumulates cash value over time. The cash value grows at a guaranteed rate and can be accessed during your lifetime through policy loans or withdrawals, providing a source of funds for emergencies, retirement planning, or other financial needs. Whole life insurance offers stability and guarantees, making it an appealing choice for individuals who want lifelong coverage and the opportunity for cash accumulation.

Indexed Universal Life

Indexed universal life insurance (IUL) is a type of permanent life insurance that combines the benefits of a traditional universal life policy with the potential for cash value growth tied to the performance of an underlying market index, such as the S&P 500. With an IUL policy, you have the flexibility to adjust your premium payments and death benefit amount over time, making it adaptable to your changing financial circumstances. The cash value component of an IUL policy can grow based on the upward movement of the chosen index, offering potential tax-deferred growth and the opportunity to participate in market gains. Indexed universal life insurance is suitable for individuals seeking both life insurance protection and the potential for long-term cash value accumulation.

Final Expense Life Insurance

Final expense insurance, also known as burial insurance or funeral insurance, is designed to cover the costs associated with your funeral, burial, and other end-of-life expenses. It is a type of permanent life insurance that offers a smaller death benefit compared to other policies but is specifically tailored to address the immediate financial needs upon your passing. Final expense insurance provides peace of mind to individuals who want to ensure that their loved ones are not burdened with the financial responsibilities of funeral arrangements and related expenses.

And More...

The life insurance industry is extremely diverse and there are many types of plans and riders to meet many different goals. Reach out and we can help you find the right plan to meet your needs and goals!

Retirement Planning

Social Security Planning

When it comes to retirement planning, understanding how Social Security benefits play a role is crucial. Social Security provides a steady income stream for retirees, but the rules and claiming strategies can be complex. Our experts can help you navigate through the intricacies of Social Security planning. We'll analyze your individual circumstances and provide personalized guidance on when and how to claim your benefits to maximize your retirement income.


Annuities are financial products that offer a reliable source of income during retirement. They can provide peace of mind by guaranteeing a steady stream of payments over a specific period or for the rest of your life. With various types of annuities available, including fixed, variable, and indexed annuities, it's important to choose the right option based on your needs and goals. Our knowledgeable advisors will guide you through the annuity selection process, helping you make informed decisions and secure a stable income for your retirement.

Medicare and Retirement

As you approach retirement, understanding how Medicare works and integrating it into your retirement plan is essential. Medicare provides health insurance coverage for individuals aged 65 and older, but navigating its various parts and coverage options can be overwhelming. Our team can assist you in understanding the different Medicare plans available, such as Part A, Part B, Part C (Medicare Advantage), and Part D (prescription drug coverage). We'll help you evaluate your healthcare needs and choose the right Medicare options that align with your retirement goals, ensuring you have comprehensive coverage for your medical expenses.

Business Planning

Recruiting and Keeping Top Talent

We all know how important it is to have the right people in the right positions for a business to run effectively. This is something that many business struggle with throughout their existence. We will help you beat out your compitition when it comes to attracting, hiring and keeping the top individuals in your field.

Succession Planning

Do you plan to sell your business? Are you wanting to pass the business along to a child or a trusted employee? These are questions most of us have thought about and only a few have made plans for. Out of those who have made plans, even less have made these plans official and have them funded. We can help you make sure that your wishes will become reality and not left to chance.

Retirement Planning

There are many ways to make sure you will have a solid income in retirement. This is true for business owners and employees alike. Don't wait until it's too late to put plans in place that will ensure a brighter future.

Agent Services


We equip you with the top carriers in your area so that you can be confident that you can do your very best by your clients and offer them what they need. We also connect you with top leadership in your area to maximize your marketing and sales opportunities

Training and Resources

You won't need to worry about figuring out this business on your own which can be incredibly intimidating. You will be part of a team who supports each other and have access to the best training in the business. You will learn top sales and marketing stratagies from those who have actually been successful doing what you are wanting to do.
You will also have access to the top tools and technology in the business. You will be able to maintain and connect with your clients and prospects using automation. You will also be able to enroll clients in plans in a variety of ways from in person, virtual, and phone calls to get business done from wherever you are!

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