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 Part D
Prescription Drug Plans

Medicare Prescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.
A drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.

Medicare
advantage plans

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).