Established Specifically with YOU in Mind

Many permanent life insurance policies can have a rider that allows for the death benefit to be used prior to death for the payment of long-term care services. The triggering mechanism for these benefits is similar, if not the same as the one's for the traditional long-term care insurance policy.

Below are a few questions to ask yourself:

  • Will you retire or keep working?
  • What are my Medicare options?
  • What is Medicare Supplement?
  • What is Medicare Advantage?
  • Will I remain on my employer's plan?
  • What are the "3 P's" of Medicare Planning?

Medicare and Medicaid (dual eligible)

  • Additional benefits (Dental, Vision, Hearing Aids, Transportation)
  • Quarterly allowance for Over the Counter Items
  • Gym membership at no cost

Medicare Supplement

  • Rate increases on current plan
  • Household discounts up to 12%
  • No network restrictions

Term / Mortgage Protection

  • Ensure family maintains current lifestyle if you are gone
  • Remain in current home
  • Education

Dental

  • 100% coverage for preventative
  • No waiting period for basic services
  • Coverage for dentures, bridges, oral surgery and more!

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