Medicare Advantage & Supplement
Medicare Advantage plans offer all-in-one coverage through private insurers. These plans often include benefits like vision, dental, and hearing, and may offer lower out-of-pocket costs than Original Medicare. Medigap (Medicare Supplement) policies, on the other hand, help pay the healthcare costs not covered by Original Medicare, such as deductibles and copayments. Choosing between the two depends on your health needs, preferred providers, and travel habits.
Understanding these options is crucial when planning for retirement. We help clients navigate these choices, assess coverage gaps, and compare top-rated plans. Our licensed agents are available to walk you through the selection process.
Compare Medicare PlansLife Insurance
Life insurance provides peace of mind and financial security for your loved ones. Whether you're looking to protect a mortgage, cover final expenses, or leave a legacy, policies can be tailored to fit your goals. Term life is ideal for temporary needs, while whole and universal life offer lifetime coverage and cash value benefits.
We'll help you understand policy types, premiums, and riders. Life insurance can be an essential part of estate planning and wealth transfer, ensuring your legacy is protected.
Explore Life CoverageAnnuities
Annuities are insurance contracts designed to provide income in retirement. Fixed and indexed annuities offer stable, tax-deferred growth with no market risk. They're especially useful for retirees seeking predictable income streams and guaranteed returns, helping reduce longevity risk and protect principal.
They also support legacy planning by naming beneficiaries and avoiding probate. Despite common misconceptions, modern annuities are more flexible, and many have features like liquidity options and nursing home riders. We don't sell variable annuities.
Learn About AnnuitiesHospital Indemnity
Hospital Indemnity plans pay a lump sum or daily benefit if you're hospitalized. These plans are often paired with Medicare Advantage to cover costs like deductibles, ER visits, and observation stays, reducing surprise out-of-pocket expenses.
They're low-cost and customizable, making them a valuable add-on for those with chronic conditions or higher hospitalization risk.
Get Coverage InfoCritical Illness Insurance
Critical Illness coverage pays a lump-sum benefit when you're diagnosed with a serious illness such as cancer, heart attack, or stroke. These funds can be used for medical expenses, mortgage payments, or alternative treatments not covered by traditional insurance.
It provides a financial cushion during recovery, giving you freedom and flexibility when it matters most.
Protect Your HealthDental, Vision & Hearing (DVH)
DVH insurance offers routine care benefits for dental cleanings, vision exams, and hearing aids—areas not covered by Medicare. These affordable plans improve your quality of life and help you maintain long-term health.
They’re easy to add, flexible, and ideal for seniors wanting comprehensive wellness coverage.
Explore DVH Options