Medicare Products

Medicare Supplement

Medicare Supplements, also known as Medigap policies, are offered through private insurance companies. They help cover hospital and medical costs that original Medicare doesn't cover, including copays, coinsurance and deductibles.

Insured individuals pay monthly premiums directly to the insurance company and may choose any doctor or hospital that accepts Medicare. 

Medicare Advantage

Medicare Advantage plans, also known as Part C, are offered by private companies approved by Medicare. These plans cover all the same benefits as original Medicare plus more! They pay a fixed fee for your client's care at doctors and hospitals within the plan's network. Prescription drug coverage is often included in these plans and many offer additional benefits such as Dental, Vision, Hearing, gym memberships and even over-the-counter benefit cards.​

Prescription Drug Plans

Prescription Drug Plans also known as Medicare Part D is a voluntary prescription drug benefit for people with Medicare. Part D plans are provided through private insurance companies approved by the federal government. Many Medicare Advantage plans include Part D within their coverage.

Life & Annuity Products

Annuities

Traditional retirement strategies may not be enough with life expectancies increasing. With annuities, your client decides when to begin receiving income. Annuities can help provide stability for your client's portfolio and make their portfolio more tax-efficient.​

Whole Life & Final Expense

Whole Life insurance is a type of policy that stays in effect as long as your client pays the premium. Whole Life policies can be a bit more complex as they build cash value over time, and the longer your client has the policy, the more cash it builds. Additionally, they can lock in an affordable premium rate that will never increase for as long as they own the policy. 

Final Expense products offer your clients peace of mind. Covering funeral expenses or providing emergency cash when a family member is critically ill eases the financial burdens.

Term Life

Term life insurance expires after a set number of years, making it a good choice for clients who expect to build wealth over time and won’t need the financial benefits life insurance provides later in life.​

Simplified Issue Term Insurance is life insurance that requires very few medical questions on the application. It's a policy that is in effect for a specified amount of time, unlike whole life.

Care Products

Long-term Care

Long-term Care is insurance that helps with medical and non-medical needs for those with a chronic illness or disability. It provides coverage in the event that your client may someday not be able to take care of themselves. 

Home Care

Home Care is an excellent solution that gives your clients flexibility to access care in the comfort of their own home, without entering a nursing home or skilled nursing facility. 

Recovery Care

Short-term Recovery Care insurance gives your clients peace of mind in the event of an un-expected illness or accident.

Ancillary Products

Critical Illness

Critical illness insurance is medical insurance that pays a lump sum benefit upon diagnosis of a critical illness (cancer, heart attach, stroke) or condition.

Dental, Vision & Hearing

Original Medicare Parts A and B do not cover dental, vision or hearing. Medicare Supplement insurance also does not cover these items, therefore, making DVH insurance a necessity for most clients.

Disability

DI is a form of insurance that insures the beneficiary's earned income will be provided should they become disabled. 

Our Carriers
We believe in working with carriers with brand recognition, who have the best selection of Life and Health Insurance products for your clients. We work with carriers who've been in the industry for decades and have a solution for every need. Among our list of highly acclaimed carriers are:  Aetna, American National, Cigna, CSO, Humana, Gerber Life, John Hancock, Lumico, Manhattan Life, Medico, Mutual of Omaha, Protective, Prudential, SBLI, TransAmerica and United Healthcare (AARP). 

We believe working with top rated carriers benefits you and benefits your clients. Product selection, ease of doing business, standing in the marketplace and longevity in the industry are all factors we consider. We make it our mission to provide the best in product and carrier selection. This ensures you get compensated at the best commission rates, and your clients get the best insurance solutions for their needs. Visit our Carrier Selection page to see our complete listing of products.