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Senior Citizen Health Insurance

Medicare is a federal Health Insurance program for people 65 years of age or older. It pays for much of your health care, but not all of it, such costs could be, prescription drugs, deductibles, coinsurance.

Medicare Supplements are a health insurance policy sold by private Heath Insurance Companies to fill the "gaps" in Medicare coverage. For more information or to get a quote, fill out our online Medicare quote form.

Long-Term Care

If you are concerned about being financially secure in the work of your retirement years, you owe it to yourself & your loved ones to protect yourself against what could be the greatest threat to your financial security, the cost of long-term care.

For more information or to get a quote, fill out our online long term care quote form.

There's a lovely chance that you may need to pay for nursing home, assisted living or, home health care day. In fact, over half of the U.S. population will need long-term care at some point in their lives.

Long-Term Care Insurance and Your Life Savings

Medicare does not cover custodial care confinements and 98% of the cost is paid for by individuals
like you.

The plain fact is only the poor or the rich can afford to be without nursing home insurance. This is because the average cost of a nursing home stay can run as high as $80,000 each year! While the poor have Medicaid, where must give up their lifelong possessions to get it, & the rich can maintain those kinds of costs, the large majority of middle class Americans are left without protection of any kind.

Think of it this way. When you are making a living & supporting your relatives, you have life insurance to help replace your income & continue its benefits to your relatives if something happens to you. When you buy Long Term Care (Nursing Home) Insurance, you are ýinsuring your savingsý so that in case you go to the nursing home, the insurance will offset its costs & your savings will stay intact for the benefit of your partner & children. In other words, by investing a portion of the interest of those self same savings in nursing home protection, you can take steps to preserve your capital for the future safety & well being of your heirs.

Insurance 101 Library

Download helpful articles on various Health and Life Insurance topics by clicking on the titles below:

What is Health Insurance
Health insurance is one type of insurance you’re pretty much guaranteed to use. We all need medical attention from time to time, and some of us need it quite frequently When care is needed, you want to focus on getting better not on how you’re going to come up with the money to pay your medical bills. A good health insurance plan allows you to focus on what’s most important, your physical well‐being.
(PDF; 138K)

What is Term Life Insurance
As the name implies, term insurance provides protection for a specific period of time and generally pays a benefit only if you die during the "term." Term periods typically range from one year to 30 years, with 20 years being the most common term. One of the biggest advantages of term insurance is its lower initial cost in comparison to permanent insurance.
(PDF; 131K)

Who Needs Life Insurance?
If someone will suffer financially when you die, chances are you need life insurance. Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs. (PDF; 127K)

How Much Life Insurance Do I Need?
Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding.
(PDF; 125K)

Second to Die Rider
An exciting concept in the area of life insurance products for estate planning needs is the Second to Die rider offered by a number of carriers. It is a concept that is simple by nature, yet provides tremendous planning capabilities. The Second to Die rider is generally attached to a permanent life insurance policy.
(PDF; 112K)

Survivorship Life Provisions
Financial advisors are often asked to prepare analyses or make recommendations concerning life insurance as an estate conservation tool. In many cases, the client’s team of advisors including a tax attorney, accountant and insurance agent will recommend the use of a "survivorship life" or "second to die" contract. (PDF; 142K)