Mortgage Protection is used to protect your family home from an un-timely death of you and/or your spouse.  Mortgage protection plans are designed to provide a death benefit to pay off all, or a portion of, your mortgage.  Optional riders are available in most states, such as disability income and return of premium.  Return of premium can refund all, or part of, the premiums paid over the life of the policy, if it is unused.  This product offered by many of our carriers, can be customized to fit your needs and budget.

Final Expense
The death of a loved one is an emotionally difficult experience.  Final expense plans help offset or remove the financial stress that is associated with death.  Plans are available in varying coverage amounts to fit a variety of budgets and can be set up to assist your beneficiary in finalizing your funeral plans.  Due to the diversity of our carriers, we are able to find coverage for you no matter what your current health status may be.*

 

Life Protection
Everyone wants to protect and provide for their family no matter what might happen.  With our diversity of carriers we have a comprehensive portfolio of term life, whole life, indexed universal life and children’s policies, with which we are able to offer competitive rates at any level of coverage.

 

*Some age restrictions may apply

Being Medicare Specialists allows us to show you your options and explain what benefits you are entitled to so that you can make an informed decision on what is right for you.  Understanding your Medicare* options can be confusing.  We can help you understand original Medicare*, Medicare Supplements (MediGap) and Medicare Advantage Plans*.  Healthcare needs vary depending upon health, income, etc.  With multiple carriers we can help you find the best plan for your needs.

 

*Not connected with or endorsed by the United States government or the federal Medicare program

You may have some additional needs or concerns regarding specific health care issues.  If you have a family history of certain illnesses, you may want a Critical Care policy.  With the rising rate of cancer, you may want a Cancer policy.  We also have several options for Dental & Vision, some with day one coverage.

 

  

Indemnity Plans
If you have major medical coverage, you might still be responsible for $6,000+ in yearly out-of-pocket expenses in the case of a serious accident or illness.  Options are available to complement your health plan in the event of a covered illness or accident.

 

If you have Medicare* benefits, you may have co-pays and yearly out-of-pocket exposure.  Options may be available to offset or cover these expenses.

 

Disability
Disability insurance can help you replace a portion of your income when you are sick or injured and unable to work.  Having this kind of coverage helps you to have peace of mind knowing that in the event of a disability you will still have a monthly income.  Individuals must qualify for disability coverage which is dependent on a number of factors including current health and medical history, age and occupation.

 

RX, Prescription Drug Plans, Discount Programs & Prescription Assistance Plans
When on Medicare*, you may need a prescription drug plan.  In certain instances, you may be penalized if you are not enrolled in a timely manner.  We can help you find the best plan for you and will do yearly check-ups to help ensure the best ongoing coverage.

 

Sometimes prescriptions through a drug plan can still cost more than you would prefer.  There may be some discount cards that can save you money.  If you have medications that are expensive, follow the link below. 

https://partner.cleverrx.com/familyfirstprotectiongroup

 

There are also prescription assistance plans available for those with no drug coverage or for those whose prescriptions are a financial burden.  We can assist you in finding options to ease the cost of prescriptions.

 

Prescription Assistance Programs Link

 

*Not connected with or endorsed by the United States government or the federal Medicare program

Indexed Universal Life (IUL)
IUL insurance is a form of permanent insurance that provides a death benefit and can also build cash value.  The death benefit can be a valuable resource for family members, business associates or other beneficiaries if a policy holder should die prematurely.  The death benefit is generally paid income tax free to the beneficiaries.  This form of insurance can build cash value over time to help provide funds for emergencies, education, supplemental retirement income or just to grow assets on a tax-deferred basis.  Properly structured polices can provide tax-free retirement income.

 

Annuities
An annuity can be used for retirement, to preserve funds already saved for retirement and to provide a steady stream of income during retirement.  In today’s market there are many options available depending upon your financial goals.  Fixed index annuities provide an opportunity for growth without the risk involved with most investments.  Optional riders can be added to fit your retirement plan.