Individuals & FamilIES

Shopping for insurance is HARD! It's complicated to understand and it's just down right stressful for most people! Our job is to advise you on how to best protect your health, your wealth, and your family so that you can go about your daily life well-prepared and worry free!

We understand that insurance is not a one-size-fits-all system and that everyone's situation is unique. That's why we will complete a full assessment of your needs before making a professional recommendation.

YOUR CUSTOM ASSESSMENT INCLUDES...

  • Complete a full individual member census

  • Scan and cross-check up to 200+ carriers

  • Cross-check requested providers

  • Price check medications and preferred pharmacy

  • Complete calculations (moop vs monthly premium)

  • Complete total protection package quotes for all recommended plans & riders

  • Present top 3-4 recommended plan packages based on assessment score

  • Marketplace account set-up (if applicable)

  • Complete your subsidy application and eligibility determination (if applicable)

  • Online electronic enrollment with online member platform

FINANCE EXPERTS AGREE

The best way to predict the future, is to look at the past. The data tells us that these are your highest and most costly risks!

NEEDS BY LIFE STAGE?

Young Families Ages 26-40

The Planning Stage

This group is mostly concerned about the cost of living and debt management. Particularly, student loans and credit card balances. They are also raising young kids and are already saving up emergency reserves.

Must Have

Health Insurance

Auto Insurance

Homeowners or Renters

Strongly Encouraged

Dental & Vision

Mortgage Protection Life

Disability Insurance (if working)

Critical Illness age 29+

It's Time To Start

Looking into College Funding

A Tax Sheltered Retirement Account

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Nearing Empty Nest Ages 41-55

The Accumulation Stage

This group is currently carrying the highest debt load, while still working, raising children and saving for retirement. Now is a good time to look at funding for Long Term Care and at re-evaluating your savings goals to ensure you're on track to meet your retirement needs.

Must Have

Health Insurance

Auto Insurance

Homeowners or Renters

Disability Insurance (if working)

Long Term Care (if you have assets to protect)

Life Insurance

Retirement Plan

Strongly Encouraged

Dental & Vision

Critical Illness

It's Time To Start

Making a plan for Long Term Care funding

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Nearing Retirement Ages 56-64

The Preservation Stage

This group is very busy working, saving and still financially supporting children. In many cases, they are caring for aging parents as well. It's time to start looking at "income for life" plans to ensure you don't outlive your money in retirement.

Must Have

Health Insurance

Auto Insurance

Homeowners or Renters

Disability Insurance (if working)

Long Term Care (if you have assets to protect)

Life Insurance

Retirement Plan

Strongly Encouraged

Dental & Vision

Critical Illness

It's Time To Start

Re-evaluating (and rebalancing) your retirement savings to ensure it still aligns with your goals.

Be sure you have funding for Long Term Care firmly in place. Rates beyond this age group are VERY expensive.

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Retirement and Beyond Ages 65+

The Income Stage

This group holds the most wealth in the U.S. They've worked and saved their entire lives and are now looking to help kids and grandkids get set on the right track. It's time to move riskier growth investments into fixed, to preserve assets and ensure you don't outlive your income.

Must Have

Medicare Insurance

Auto Insurance

Homeowners or Renters

Long Term Care (if you have assets to protect)

Final Expense or Life Insurance

Retirement Plan

Strongly Encouraged

Dental & Vision

Annuity

It's Time To Start

Re-evaluating (and rebalancing) your retirement savings to ensure it still aligns with your goals. Move high risk assets into fixed and secure investments. Annuities are a popular choice for asset preservation at this stage.

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Solutions

Customized to your individual needs

HEALTH INSURANCE

What it does?

Covers inpatient, outpatient and prescriptions.

Why it's needed?

AVG cost of injury: $9,992

AVG cost diabetes: $19,807 Yr.

AVG cost of Cancer: $147,000+ Yr.

Recommended For: Ages 0-64

AVG Cost for Coverage: 8.5% of annual income.

MEDICARE PLANS

What it does?

Covers inpatient, outpatient and prescriptions.

Why it's needed?

AVG cost of injury: $9,992

AVG cost Diabetes: $19,807 yr.

AVG cost Cancer: $147,000+ yr.

Recommended For: All Medicare members

AVG Cost for Coverage: $174.70 - $350 Mo.

DENTAL & VISION

What it does?

Covers exams, procedures and prescriptions for oral and optical health.

Why it's needed? For every $1 spent on dental wellness, $3.00 is saved in future needs.

Recommended For: Ages 1+

AVG Cost for Coverage: Discount only $7 mo. insurance plans average $45/adult & $20/kids.

ACCIDENTAL INJURY

What it does?

Helps pay your deductible and other out of pocket expenses due to injury. This is your highest risk, especially for those with active lifestyles, athlete's and those with kids in the home. Average cost of an injury: $9,992

Recommended For: Anyone concerned about having to meet a high deductible suddenly and all at once.

AVG Cost for Coverage:: $20 per mo per person for $5,000 coverage

CRITICAL ILLNESS

What it does?

Pays a lump sum upon diagnosis of a critical illness.

Why it's needed?

You have almost a 50% chance of a cancer diagnosis and it will cost the average family $52K of their own savings due to loss of wages (avg recovery: 3-6 mo) and expenses insurance doesn't cover.

Recommended For: All 26+ without these funds readily available for use.

AVG Cost for Coverage: $42.28 mo for $50K (male, 45).

DISABILITY INCOME

What it does?

Pays monthly cash benefits to cover loss of income due to a qualified illness or injury.

Why it's needed? You have a 25% chance of a disability before age 65 and this coverage insures your income so you can still pay your bills while you're out of work.

Recommended For: All who depend on "earned income" to meet their monthly obligations.

AVG Cost for Coverage:: 1.5% - 3% of annual income.

LONG TERM CARE

What it does?

Neither health insurance nor Medicare pay for LTC. The only way to pay for this is with your own funds, a LTC policy OR if you can qualify for Medicaid. Strict rules prevent you from transferring assets to someone else and Medicaid can come after your estate for reimbursement if they help pay your LTC bills. Annual cost of care is over $100,000.

Recommended For: Anyone 40+ with assets to protect.

AVG Cost for Coverage: $99-$999 per month.

LIFE INSURANCE

What it does?

Pays a lump sum to the beneficiary, upon the death of the insured and pays a "living benefit" to the insured if diagnosed with a qualified illness or injury while still living.

Why it's needed?

You have a 100% chance of death and your loved ones will need 10X your annual income and approximately 10 years to recover from the death of a breadwinner.

Recommended For: EVERYONE- singles, couples, families, elderly, those with health issues and businesses

AVG Cost for Coverage:

Rented Life: $27 mo for $500K

Owned Life: $78 mo for $500K

(male, 45).

RETIREMENT PLAN

What it does?

Insures you don't run out of money in retirement.

Why it's needed? You'll need an average of 6 income streams upon retirement and you'll need to be earning about 75% of what you were earning when you retired. Social security is only designed to cover 33% of what you'll need.

Recommended For: Everyone 0+ and those needing to roll over from a previous employer.

AVG Cost for Coverage: Depends on how much you'd like to have in retirement and what age you begin saving. A full custom analysis is available upon request.

SUPPLEMENTAL

What it does?

These are reimbursement plans that pay YOU (not the provider) the specified cash benefit if you suffer a qualifying illness or injury. For example: Plan A will pay you $1,000 upon a hospital admission, $50 for a doctor visit, $75 for specialist visit and $25 per RX.

Recommended For: Members with health insurance or Medicare, concerned about still having out of pocket medical expenses.

AVG Cost for Coverage: $55 per mo

TRAVEL COVERAGE

What it does?

Helps reimburse expenses caused by travel inconveniences like trip cancellation and lost luggage as well as medical emergencies & evacuation.

Why it's needed?

International travel can be VERY expensive. This coverage insures you don't lose your investment due to unforeseen circumstances. It also insures that you have medical coverage while you're there.

Recommended For: All members who travel internationally.

AVG Cost for Coverage: 5% - 10% of the cost of your trip

POLICY REVIEWS

What it does?

Having a professional like me review your coverage each year is an essential part of your financial health. You could be over-insured, under-insured or just not have the right coverage all together. You could also be missing out on a new, better suited program.

Recommended For: All policyholders within 30 days of a major life event or minimum once per year.

AVG Cost for Review: Free

Select your health insurance

All health plans include preventative and wellness visits at no cost to you and plans are priced according to household size and income.

bronze plan

High deductible health insurance Plan. Preventative & Wellness covered at 100% before deductible. All other services are subject to your deductible first.

silver plan

Average to lower deductible health plan where members pay a copay for office visits and prescriptions and a deductible for other covered services.

gold plan

Low deductible health plan where members pay a lower copay for office visits and prescriptions and a lower deductible for other covered services.

package enhancer options

Health insurance pays your claims but who's going to pay you if you get sick or injured?

essential wellness

All Members

Dental Only

Dental & Vision (+ hearing)

deductible coverage

Under 65:

Critical Illness

Accidental Injury

Medicare:

Fixed Indemnity

protect assets

Under 65:

Critical Illness

Disability Income

Seniors

Long Term Care

Life Insurance

Annuities

Protect wealth

Under 65:

Life Insurance

Retirement Planning (IRA / 401K Rollovers)

Seniors

Annuities