Services

Individual & Family Health Insurance

 

Coverage is available for individuals and families. If your income is between $11,880 and $40,890 you may be eligible for a subsidy that can pay all or some of your monthly insurance cost and or copayments and deductibles. 

 

Failure to apply may results in a household penalty up to $2,085 when you file taxes. We typically help consumers within 15-20 minutes. Call today for a free quote! 

Gap

 

As major medical costs continue to rise, people find themselves taking on higher deductibles to help keep their costs down. However, this leaves you financially exposed if you are hospitalized or have outpatient services. Deductible Protection gives you the peace of mind that you need by providing you with a lump sum of cash if you are admitted to the hospital for 24 hours. Plus, there are additional outpatient riders that can be added to meet your specific needs.

  • Helps pay deductibles and co-payments.

  • Benefits Paid in Cash Directly to You! (Unless you assign them.)

  • Supplements High Deductible Health Plans.

  • Build your own plan to meet your specific needs.


 

Dental Insurance

 

  • National Dental Networks

  • Preventative, Basic & Major  Services Covered

Business Health Insurance

 

Under the Affordable Care Act (also known as "Obamacare"), businesses with 50 full-time-equivalent employees are required to provide health insurance to their employees or face tax penalties for not doing so.

Small business employers may receive tax credits when they provide coverage, as follows:

  • Employers with 25 or fewer employees with average annual wages of less than $50,000, may be eligible for a special tax credit of up to 50% of the amount the employer contributes (at least 50%) toward employee insurance premiums.

Whether you offer health insurance to employees or not, it is absolutely critical that you make your employees aware of their obligation to seek health coverage under the Affordable Care Act. And, you have to let your employees know that they have access to guaranteed coverage in the individual market, and that they may be eligible for government subsidies if the coverage you provide them is not deemed to be affordable under the law.


 

Vision Insurance

 

From the leader in vision care

  • National Access. 

 

Life Insurance 

 

Most people purchase life insurance to provide a legacy of financial security to their loved ones at the time of their death. Doesn’t it make sense for the benefits to extend and be available for you if you need them while you’re still living? Living Benefits – life insurance you don’t have to DIE to USE

 

Our policies come infused with enhancements that allow you to accelerate your policy’s benefits to get much-needed money in your hands if you are to suffer a terminal, chronic, or critical illness – such as heart attack, stroke, or cancer diagnosis – or in case of a critical injury.  It’s a game-changing feature that is revolutionizing the face of the life insurance industry, we like to call it LIFESTYLE PROTECTION INSURANCE. 

Tax Free Retirement Options

 

Tax Savings #1 – Money put into certain insurance contracts has already been taxed at today’s rates, not tomorrow’s. With tax rates likely going up in the future (to unknown amounts!), getting taxes over and done can be financially critical. Keep in mind, you’d always rather pay taxes on the seed money than the harvest money.

Tax Savings #2 – Money taken out of your contract—when done optimally, in accordance with Internal Revenue Code guidelines—is not regarded as taxable income, as opposed to income from a traditional IRA/401(k). You can also access your money tax-free using several methods. The smartest and best way to access your money from a max-funded, tax-advantaged insurance contract is via a loan, rather than a withdrawal.

Tax Savings #3 – With industry laws and regulations that have been in place for more than 100 years, the money that accumulates inside of a life insurance policy does so tax-favored. As a “life insurance policy” increases in value due to competitive interest being earned, no taxes are due on that gain, as long as the policy remains in force. Many financial vehicles, such as savings accounts, CDs, mutual funds, and money markets will typically have tax liability on their gain. See section 72(e) of the Internal Revenue Code.

Tax Savings #4 – Upon your death, the money in your insurance policy transfers to your heirs and beneficiaries completely income tax-free. See section 101(a) of the Internal Revenue Code.

Annuities

 

An annuity is a contractual financial product sold by insurance carriers designed to accept and grow funds, which upon annuitization, pay, out a stream of payments for life. Contracts are divided into fixed, indexed, deferred or variable. Annuities are used primarily for retirement purposes.

People are living longer, which is good. But longevity creates new retirement challenges. How do you cover expenses during a 30+ year retirement without running out of money?

 

Fixed Annuity

A fixed annuity is an insurance contract in which the insurance company makes fixed dollar payments to the annuitant for the term of the contract, usually until the annuitant dies. The insurance company guarantees both earnings and principal.

 

 

Indexed Annuity

An indexed annuity is a special class of annuities that yields returns on your contributions based on a specified equity-based index. These annuities can be purchased from an insurance company, and similar to other types of annuities, the terms and conditions associated with payouts will depend on what is stated in the original annuity contract.

 

Medicare

 

Medicare is our country’s health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare, too, including those with disabilities and those who have permanent kidney failure.

 

Medicare has a standard benefit package that covers all reasonable and necessary health care services that older adults and people with disabilities can receive. For people who choose to enroll in a Medicare Advantage plan, Medicare pays the private health plan a set amount every month for each member. Members may have to pay a monthly premium in addition to the Medicare Part B premium, but many companies offering Medicare Advantage plans make them available for a $0 monthly premium in addition to the Medicare Part B premium, which the member pays directly to Medicare. Medicare Advantage subscribers generally pay a fixed amount (a copayment of $20, for example) every time they see a doctor as opposed to meeting a deductible and paying a coinsurance (typically 20%) under Original Medicare. The copayment can be higher to see a specialist with a Medicare Advantage plan. Under Original Medicare the coinsurance remains 20%, but the actual amount out of pocket can be higher since specialists generally charge more for services.