Services

We offer a wide variety of insurance products.

Medicare Supplements

• We have 100% coverage that is available without health questions. The coverage is good at any hospital, any doctor, anywhere in the country.  There is no deductible, no co-insurance and no co-payments.
• Once you have coverage in place , you can NEVER lose your insurance due to declining health.
• Automatic claim filing, so no more medical bills!!
• Premiums vary depending on the company, so call us today for a free quote!

Prescription Drug Coverage (Medicare Part D)

• We carry most prescription drug companies.
• We can cover most medications.
• Low premiums and no deductibles.
• Ask us for tips on how to avoid the “Doughnut Hole”.

Life Insurance

• Premiums NEVER increase over the life of the policy.
• Death benefits NEVER decrease.
• Policies accumulate cash value .
• Great tobacco and impaired risk rates.

Long Term Care

• Nursing homes, assisted care facilities, hospice care, adult day care and others are offered.
• Home health care to stay out of nursing home.
• Excellent rates for couples.
• Survivorship benefit is provided if both husband and wife are insured on the same policy and the policy has been in place for 7 years. If one spouse dies, the surviving spouse’s premium will be waived for the life of the policy. If the policy has been in force for at least 5 years, the surviving spouse may pay the remain 2 years of full premium to utilize this benefit.

Services

We offer a wide variety of insurance products.

Medicare Supplements

• We have 100% coverage that is available without health questions. The coverage is good at any hospital, any doctor, anywhere in the country.  There is no deductible, no co-insurance and no co-payments.
• Once you have coverage in place , you can NEVER lose your insurance due to declining health.
• Automatic claim filing, so no more medical bills!!
• Premiums vary depending on the company, so call us today for a free quote!

Prescription Drug Coverage (Medicare Part D)

• We carry most prescription drug companies.
• We can cover most medications.
• Low premiums and no deductibles.
• Ask us for tips on how to avoid the “Doughnut Hole”.

Life Insurance

• Premiums NEVER increase over the life of the policy.
• Death benefits NEVER decrease.
• Policies accumulate cash value .
• Great tobacco and impaired risk rates.

Long Term Care

• Nursing homes, assisted care facilities, hospice care, adult day care and others are offered.
• Home health care to stay out of nursing home.
• Excellent rates for couples.
• Survivorship benefit is provided if both husband and wife are insured on the same policy and the policy has been in place for 7 years. If one spouse dies, the surviving spouse’s premium will be waived for the life of the policy. If the policy has been in force for at least 5 years, the surviving spouse may pay the remain 2 years of full premium to utilize this benefit.