We offer three of the most common types of life insurance.
Life Insurance
Term Life Insurance
Protecting your family is all about timing. Term life insurance is a simple, cost-effective way to offer ample coverage with affordable rates to fit most budgets. This is a popular choice for those looking to save money upfront and a great alternative to paying more for a whole life policy. There are a few key factors that are taken into consideration when determining premium costs to include age, gender, coverage goals, and lifestyle.
Final Expense Insurance
Simplified Issue Final Expense (SIFE) Insurance offers coverage that provides peace of mind. SIFE is a whole-life insurance policy that has a small death benefit ranging from $5,000 to $50,000. It is commonly referred to as “funeral insurance” or “burial insurance.” Benefits include lower coverage amounts and no medical exam; it is also appealing for seniors.
Whole Life Insurance
Whole life insurance is known as traditional life insurance that lasts for the insured’s lifetime and can be more expensive than term life insurance. A complete medical exam may be required to qualify for whole life. Unlike term life insurance, which is for a specific number of years, whole life insurance costs less and there is no medical exam in required. In addition, whole life insurance contains a savings component in which cash value may accumulate.
Health Insurance
Affordable Care Act
”ACA”
The Affordable Care Act is the comprehensive health care reform law enacted in March 2010. It is sometimes known as ACA, PPACA, or “Obamacare”.
The law has three primary goals:
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Make affordable health insurance available to more people. The law provides consumers with subsidies (“premium tax credits”) that lower costs for households with incomes between 100% and 400% of the federal poverty level (FPL)
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Expand the Medicaid program to cover all adults with income below 138% of the FPL. (Not all states have expanded their Medicaid programs.)
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Support innovative medical care delivery methods designed to lower the costs of health care generally.
Click here to get Marketplace coverage, tips, search plans and more. Or, contact us for local help.
Source: www.healthcare.gov
Medicare
What is Medicare?
Medicare is the federal health insurance program for any of the following:
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People who are 65 or older
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Certain younger people with disabilities
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People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)
What are the parts of Medicare?
There are a few different parts of Medicare that help cover specific services:
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Medicare Part A (Hospital Insurance)
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. -
Medicare Part B (Medical Insurance)
Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services. -
Medicare Part C (Medicare Advantage)
Private insurance plans offered by Medicare-approved companies. These plans include, but not limited to, most of Part A (Hospital Insurance) and Part B (Medical Insurance) coverage plus extra benefits such as prescription drug coverage (Part D), routine dental, vision and hearing.
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Medicare Part D (prescription drug coverage)
Helps cover the cost of prescription drugs (including many recommended shots or vaccines).
What is Medicare's prescription drug coverage?
Medicare prescription drug coverage (Part D)
Medicare drug coverage helps pay for prescription drugs you need. To get Medicare drug coverage, you must join a Medicare-approved plan that offers drug coverage (this includes Medicare drug plans and Medicare Advantage Plans with drug coverage).
Learn more about how to get Medicare drug coverage.
Everyone's situation is unique. When choosing the best-fit Medicare health plan for you, consider your healthcare needs, your finances, and where you live and seek care. We want to help our clients make a decision they can feel good about.
Contact me today to schedule a one-on-one appointment to learn more about plans in your area. You can also schedule online here.
To complete the Scope of Appointment form, click here. or download the PDF version here
Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Source: www.medicare.gov/what-medicare-covers/your-medicare-coverage-choices/whats-medicare
LegalShield Prepaid Legal Services & Plans
LegalShield
Enrolled members pay a fixed monthly rate for legal representation and advice on a range of issues. Get legal help or start a business at a fraction of the cost. Need a will, your personal legal plan can help. Need estate planning, it’s covered too. Coverage starts as soon as your membership starts. Learn more or contact us, your local Associate.
Source: www.legalshield.com
Florida Notary Public
Florida Notary Public
A Notary's duty is to screen the signers of important documents for their true identity, their willingness to sign without duress or intimidation, and their awareness of the contents of the document or transaction. A Notary may require the signer to be put under an oath, declaring under penalty of perjury that the document information is true and correct. Examples of documents that commonly require a Notary are property deeds, wills and powers of attorney. Notaries are authorized by law to attest to photocopies of certain documents, solemnize marriage, verify vehicle identification numbers (VINs), and certify the contents of a safe-deposit box.
Source: www.flgov.com/wp-content/uploads/notary/ref_manual11-22.pdf