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Long term care may help pay for the cost of care for those who need help with Activities of Daily Living (ADLs) such as bathing, dressing, transferring, toileting, continence, and eating. It can include a broad range of services, provided in any setting outside of a hospital such as a home, assisted living facility, or nursing facility. The policy helps pay for services that may not be covered under Medicare.

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Having dental insurance can provide you with much-needed peace of mind—especially considering the high cost of dental work. With a quality dental insurance policy, you can receive coverage for anything from routine exams and cleanings to more complex procedures such as root canals and extractions.



Short term medical insurance plans provide medical coverage for a short period of time. Different plans may range from 30 days to 12 months. The policies are designed for individuals that are going through life changes and have been left without insurance coverage. Most professions offer medical insurance coverage through the employer so if you’re transitioning between jobs or expect to gain coverage through your company soon, short term medical is an option for the waiting period.



An annuity is a contract issued by an insurance company that can act as a retirement vehicle for the annuitant. An annuity provides a tax deferral of interest and capital gains and may even provide a guaranteed monthly income for life if the funds are annuitized. Using an annuity as a retirement vehicle is desirable because the money accumulating in an annuity grows on a tax-deferred basis. 

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Typically, domestic health insurance does not provide coverage for overseas medical emergencies and international travelers are unable to obtain this type of protection after they are outside of their home country.

Additionally, most traditional health insurance does not provide coverage for expenses for an emergency medical evacuation, medical reunion, return of mortal remains, trip interruption or loss of checked luggage.

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Disability insurance pays cash benefits to the policyholder in the event that the insured is unable to work due to sickness or injury. The cash benefits range from 50% to 70% of earned income. The reason that benefits paid will not exceed 70% is to provide assistance while still giving policyholders an incentive to return to work.

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After someone passes away, their family and loved ones are often left with a plethora of expenses to cover, especially if the person was the main source of income for the family. Life insurance provides a death benefit to a specified beneficiary that can be used to cover these expenses and lost income.

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Final expense insurance helps cover the final costs of a person’s death including funeral expenses, medical bills, credit card debt, etc. The plan removes some of the financial burden from the person’s loved ones by paying out cash to the specified beneficiary.

Not connected with or endorsed by the U.S. government or the federal Medicare program.
A licensed agent may call or e-mail as a result of completing information to discuss Medicare Advantage, Prescription Drug Plans or Medicare Supplement Insurance.