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Our Services
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Medicare Plans
Medigap/Medicare Supplements
More conservative and more predictable but also more cost effective. Will need additional stand -alone Prescription Drug Plan (PDP).
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Prescription Drug Plans (PDP)
Used in addition to Original Medicare or traditional Medigap. Only one PDP is allowed. Different Plans and monthly premiums are available based on formulary coverage and drug deductibles.
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MAPD-Medicare Advantage Plans
​HMO, PPO, PFFS, CSNP, DSNP are the options for medicare beneficiaries. They typically include PDP, include some additional benefits like dental, vision, hearing etc., and are less predictable and less cost effective.
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Life Insurance
Term Life Insurance​
The most affordable Life Insurance Policies, guaranteed renewable and convertible.
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Permanent Life Insurance
Whole life insurance: conservative policy (design end of 19th century) that is design for long term commitment, all parameters are set at the time designing the policy and no changes are permitted for the financial components, builds cash value and it more cost effective permanent life insurance policy.
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Universal Life insurance: newer type of permanent life insurance (designed in 1970's) for long term commitment, builds cash value, policy owner can change
financial parameters on annual basses, it is more dynamic with current economy trends, less cost effective and offers Indexed loans (become your own banker). Could add options of Long Term Care that is Instrumental for Seniors based on affordability and collection of installments.
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Final Expense: is permanent policy, designed for smaller policy payouts, typically whole life with focus on death benefit versus cash value. Some are Guaranteed Issued with no medical underwriting.
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