Life Insurance

Protect your loved ones
leave them with choices – not expenses

The Basics of Life Insurance

Life insurance coverage is your opportunity to provide for and protect the people you love most.
By putting a plan in place to cover expenses that would occur in the event of
your death, you can help secure their long-term financial future.

These funds can help your loved ones pay living expenses, stay in their home and pay off debts,
including final expenses. It can also help send a child to college or leave a legacy.

types of life insurances

Whole Life Insurance

Budget-friendly, permanent coverage providing some peace of mind for end-of-life expenses.

Term Life Insurance

Budget-friendly, simple coverage helps by replacing your lost income in the event of an unexpected loss of life. Lasts for a specific amount of time.

Universal Life Insurance

Protection that lasts a lifetime. Includes the opportunity to adjust the premium and death benefit, as well as accumulate cash value on a tax-deferred basis.

Why DO I need Life Insurance?

Cover end-of-life expenses
Avoid debt and financial strain
Help your family move forward

Secure peace of mind
Protect future insurability
And much more

How much Life Insurance coverage
do I need?

Your coverage needs depend on factors such as your age, your financial strength, and your family’s circumstances. In general, the earlier you are in life and the more financially dependent your loved ones are on you,
the more coverage you need.

How do I balance coverage and cost?

There are many factors that should be considered in choosing life insurance, including short-
term and long-term cost, coverage and cash value.
Life Insurance is meant to give your peace of
mind, not to put a strain on your budget.
We can work with you to identify an affordable life
insurance policy that meets your family’s coverage needs.

Ready to get started?

Medicare
supplement Insurance

Medicare Supplement covers things that Original Medicare doesn’t, like copays, deductibles, and coinsurance. It does all this with a steady, predictable, monthly bill you can budget for. And it can’t be cancelled. It will be renewed for as long as you pay your premium
on time and make no material misrepresentation.

You can add a Prescription Drug Plan and a Dental plan to Medicare supplement
insurance to get even more coverage.

You have to get Medicare Supplement Insurance through a private insurer. You’ll have to pay a monthly premium and depending on the plan you may also have copays.

Medicare Supplement Insurance may be a great fit for you if:

• You want more coverage than original Part A and Part B.
• You’d rather pay a monthly, predictable bill than have to pay out of pocket for an unexpected medical bill.
• You want the freedom to see any doctor who accepts Medicare.
• You want to be able to travel abroad with the confidence you will be covered.1
• You want insurance that can’t ever be cancelled.†

†As long as the premiums are paid on time and
there has been no material misrepresentation.

*Medicare supplement plans do NOT include
Medicare Part D prescription coverage.

Medicare Advantage-Part C

Medicare Advantage combines the coverage of Part A and B – Original Medicare, plus extra benefits. Many plans include prescription drug coverage as well as dental and vision care. Some plans have no copays for most labs or tests. And some even have extra benefits like gym memberships and transportation.

Most plans offer $0 premiums, but you do have to pay your Part B premium. Most plans have copays for treatment. And you’ll continue to pay your Part B premium. Medicare Advantage plans have a yearly limit for out-of-pocket costs you have to pay. Once you reach that amount, you won’t pay more for any of your Medicare costs, your plan will cover it. Different plans have different maximums.

Medicare Advantage plans work all by themselves. They replace Medicare Parts A and B and because of this all-in-one approach, you don't pair them with Medicare Supplement policies.

Medicare Prescription Drug Plan-Part D

Part D covers your prescription drugs and is a great addition to pair with Medicare supplement insurance. You probably won’t need it if you get Medicare Advantage since most Medicare Advantage plans include it. Just remember, which prescriptions are covered depends on which plan you get.

You have to get your Prescription Drug Plan through a private insurer. You’ll pay the monthly premium and a yearly deductible. You'll also pay a coinsurance (a percentage of the cost for your prescriptions) or a copay (a flat fee for some of your prescriptions’ cost). It is important to verify that all of your prescriptions are included in the plan formulary.