Senior Benefit Plans

As the name implies, a Medicare Supplement Plan (or Medigap), provides supplemental coverage to Medicare Parts A & B, that otherwise would be paid by you.  Original Medicare is the primary payer for services and the Medicare Supplement becomes the secondary payer.

Medicare Advantage is an alternative choice to Original Medicare, offered exclusively by private insurance companies.  They must cover all medical services that Original Medicare covers, but not necessary at the same share of cost.  

Annuities are tax favored policies intended for long term savings and retirement income.  

Long Term Care insurance is designed to pay for expenses of personal care when someone is unable to perform the Activities of Daily Living (ADLs).  

A Senior Final Expense Policy is a life insurance policy dedicated to pay funeral and miscellaneous expenses at the time of someone's passing. 

The devastation of a grand child's death is unthinkable.  But the unexpected financial burden to the parents (your adult children) can also be devastating. Juvenile life insurance policies for one or more children is surprisingly affordable, and a small way to extend your love to the entire family.

Life Settlement is a process of selling a life insurance policy for cash that is no longer needed or has become unaffordable.