Finding the right coverage is a matter of uncovering what is best for you and your family. You may consider a tax-advantaged financial asset that has cash value while providing life-long protection, or a short-term plan that will provide coverage over a fixed period of time as long as the premium is being paid. Let us set you up with coverage that pays an income tax-free benefit to your beneficiary if you pass away.
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.
Nobody plans to get sick, but bad things happen, even to healthy people. Health Insurance can be more affordable and easier than you think to save on out-of-pocket costs with a lower deductible each time you get care. Don't make the mistake of making healthcare decisions based on money instead of what's best for your health because you're paying for every medical service yourself.
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.
*Medigap Plan F - pays everything, including Part B excess charge; may be a high-deductible plan, but is being phased out by not being an option for recipients that turn 65 on Jan 1st, 2020 or after. Medigap Plan G – same as Plan F, except doesn’t pay Part B deductible. Plan K - pays Part B deductible after the out-of-pocket limit is met. Plan L - pays Part B deductible after the out-of-pocket limit is met. Plan M –pays everything, except Part B deductible, Part B excess charge, but pays 50% of Part A deductible. Plan N – same as Part M, except pays 100% Part A deductible and most of copay coinsurance for Part B.
Five Star Shield Insuarnce
Five Star Shield Insurance, 7000 Independence Pkwy, Ste 156-343, Plano, TX 75025, US
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