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Universal Life Insurance is also permanent life insurance with riders. It is best for people who want more flexibility. The premiums can vary at your discretion making it easier to keep your coverage if your circumstances change. Universal policies are less expensive than Whole Life policies.

An Indexed Universal Life (IUL) policy lets you tie all or part of your cash value growth, so while you won't realize all the gains of the reference index,  you won't suffer all the losses either. 

Whole Life Insurance is permanent life insurance that can be tailored to your needs with riders.  It is best for people who want life insurance that is guaranteed to stay the same with payments that never increase. For example, the cash value grows at a guaranteed interest rate and the death benefit is guaranteed to remain the same.

Whether you're looking to roll over a retirement fund, for an annuity that offers a fixed interest rate for a specific amount of time, or one that provides for a lifetime of income, we can help.

Also known as temporary life insurance, this type of insurance is normally purchased by people with a lower budget, who plan to purchase permanent insurance a short time later when they have more to contribute. The coverage is temporary ranging between 10-30 years depending on your initial coverage age. It doesn't build cash value, nor can you take out a policy loan.

Medicare is health insurance for people 65 years of age and older. You become eligible to sign up three (3) months before you turn 65, and may be eligible earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (Gehrig's disease). Learn more about original Medicare at Medicare.gov.

Part A - Inpatient Hospital Insurance

Part B - Outpatient Medical Insurance

Medicare Advantage is private insurance sometimes called Part C or MA Plans because they cover both Part A and Part B, which also include Part D. They are offered through Medicare-approved private companies, such as UHC, Cigna, and Humana.

Part C - Part A and Part B

Part D - Drug Coverage

Hospital Indemnity is an ideal add-on if you have a MA plan. This product covers the co-pays that MA members will likely experience. 

Medicare Supplement Insurance (Plan F*) provides additional coverage of services that other Medicare Supplement insurance plans don't cover, plus everything Plan G covers, such as Part B deductible at 100%, but doesn't include Part D coverage.

Affordable individual or group dental, vision, and/or hearing insurance plans from America's largest and most trusted dental insurance carriers.

Medicare (Part D only) or Non-Medicare Plans are available

Short Term Care plans are designed to provide a choice of coverage for some or all of a short-term skilled, nursing home, assisted living, or home health care stay. Benefit periods, daily amounts and elimination periods can be designed to fit your customer’s needs and pocketbook. These plans are typically more affordable and easier to qualify for than Long-Term Care plans and more affordable.