Safe Money Retiremement Options
Are you living in fear of outliving your retirement savings?
Are you seeking guaranteed retirement income or looking for an additional tax-advantaged way to save for retirement?
We have a broad selection of retirement annuity products designed to fit your needs. Our highly trained specialists are ready to guide you and help you feel confident you’re making the best retirement planning decisions.
We can help replace your current annuity with a lower-cost option and provide you with more competitive rates.
Many investors planning their retirement who understand the need to balance annuities with other stock and bond portfolio options buy additional investments.
Building a simple portfolio is not rocket science, and there are plenty of inexpensive funds out there that can help automate the process at a low cost.
Allow us to provide a balance within your retirement portfolio. Most retirees will live years longer than they assume, and they will need stocks to overcome the effects of inflation.
Call me to discuss our profitable annuity strategies: (409) 722-6739
Plan for and protect the finances of your loved ones. If you were to die tomorrow, how would your loved ones financially fare? Funeral expenses, medical bills, taxes, debts, lawyers’ fees, and other costs add up quickly and can add financial difficulty to the emotional struggle.
Life insurance provides cash to your family after your death to replace your income and assist your family in meeting financial needs. Like most Americans, you may need life insurance but be uncertain of where to begin. We’ll answer all of your questions and walk you through the steps of providing for your family financially if you’re not there to care for them.
Life insurance can provide for supplemental retirement income (income tax free) as well as funds for children’s college needs or a new dream home down payment. A properly constructed life insurance policy can also help pay off the mortgage of your dream home.
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits.
Health insurance protects you from unexpected, high medical costs. You pay less for covered in-network health care and get free preventive care (like vaccines, screenings, and check-ups) even before you meet your deductible.
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Original Medicare covers many health care services and supplies, but there are many costs it doesn’t cover. A Medicare supplement plan or Medigap policy is health insurance sold by private insurance companies to fill gaps in Original Medicare coverage.
Medigap policies help pay your share (coinsurance, copayments, or deductibles) of the costs of Medicare-covered services. Some Medigap policies cover certain costs not covered by Original Medicare.
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
Hospital Indemnity Insurance can complement your medical coverage by helping to ease the financial impact of a hospitalization.
Visits and stays at a hospital can be costly. With an average cost of $10,000 per stay in 2011 in the U.S. it’s easy to see why having hospital indemnity insurance makes good financial sense.
We offer Hospital Indemnity Insurance so you can focus more on your recovery and less on your finances.
Call me to discuss our numerous Medicare options: (409) 722-6739
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.
Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.
If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment. If the broken arm meant that you could not work, you could then file a claim for short-term disability benefits in order to begin receiving weekly replacement income.
Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.
In the late 1990s, a new financial product was developed to help consumers cover expenses associated with critical illness. Appropriately, it’s called Critical Illness Insurance.
This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.