Products
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Products |
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Medicare SupplementMedicare Supplement Insurance can be confusing. Do I need it, and if so, how much? With all of the changes taking place in the insurance market place such as; Managed Health Care, Select Medicare Supplements, HMO's, and especially Rate Increases, there may be options available to you that could save you money on your supplemental insurance program. |
Long-Term CareCommonly referred to as nursing home insurance, long-term care insurance is a contract between you and an insurance company that helps you avoid depleting all of your assets in the event you need long-term care.The policies cover skilled, intermediate and custodial care whether the care is provided in the home, an adult day care center, assisted living facility, or if necessary, a nursing home. |
Home Health CareIt cost about $150 per day for someone to take care of you in your home. Although these costs are not as significant as Nursing Home costs, it can still be a burden financially. Most Long Term Policies can include Home Health Care. Home Health Care at $150 per day could cost you $54,750 in one year. |
Life InsuranceComplete portfolio of life products, final expense, whole life, universal life, term life and fixed annuity products. |
Annuity ProductsThese products are basically savings accounts through insurance. Usually annuities pay more interest than banks. At the time of this posting, most good annuities are paying around 5% interest on your money. If your current Certificate of Deposit (CD) is paying less than this, you may want to consider an annuity. Unlike CD's, annuities offer a guaranteed minimum interest rate and usually guarantee the current rate for a fixed period of time. Also your earned interest remains untaxed until you actually withdraw it from the annuity. These products can offer huge financial advantage to people who want to save money. |