Medicare Supplement Insurance:
These plans help cover some of the costs not covered by Medicare Parts A and B, so you may have more predictable costs.
Medicare Advantage Plans:
These plans provide drug and medical coverage all in one plan and are designed to help you get more from your healthcare dollar. Explore personalized guidance and plan options that work for your unique needs.
Group health insurance is available to small and midsized businesses that need health insurance coverage. These businesses can usually qualify for many types of group health plans. They can purchase Platinum, Gold, Silver or Bronze metal level plans.
During the open enrollment period we offer a range of health insurance plans directly to families and individuals under age 65. They can purchase Platinum, Gold, Silver or Bronze metal level plans.
Life insurance protects the people you care about most. In the unfortunate circumstance that you’re not there to provide for your family, life insurance can. But life insurance can also be used to build cash value. That’s money you can use to reduce your premiums, increase your coverage, or receive as cash.
Term Life Insurance
Term Life Insurance provides cost-effective coverage for a specified period of time, with the opportunity to change should your needs change. Depending on your age, level term life insurance protection is available for 10, 15, 20 or even 30 years.
Permanent Life Insurance
Permanent life policies offer death benefits and a "savings account" (also called "cash value") so that if you live, you get back at least some of, and often much more than, the amount you spent on your premium. You get this money back either by cashing in the policy or by borrowing against it.
This type of insurance can provide you with coverage that can help protect against the financial impact of a disability. Whether it’s supporting your daily living expenses today or funding your retirement savings for tomorrow, your ability to earn an income is your most important financial asset. Without income, everyday life and plans for the future are affected. When you fall ill or have been injured in an accident, you have enough on your mind without having to worry about where your next paycheck will be coming from.
Life insurance policies with a Long Term Care Rider:
Consider this option if you’re most concerned with leaving a legacy or caring for loved ones
when you pass, but would still like to have access to the death benefit yourself if long-term
care needs should arise.
If you don’t need additional life insurance coverage and desire Long Term Care coverage with lower premiums compared to other polices, then a stand-alone Long Term Care policy may be right for you.
Routine cleanings and check-ups are the most commonly covered and utilized benefit of dental insurance. Most providers pay for one to two regular check-ups per year. While benefits vary greatly by policy, other inclusions could be: crowns and fillings, emergency tooth replacements, non-cosmetic oral surgeries and X-rays.
Dental Discount Plans
Discount dental plans allow you, the consumer, to take advantage of high quality service without the high cost of dental procedures. Although a discount dental plan is not an insurance plan, there are many excellent advantages to having one of these cards in your pocket to use. These programs offer individual dental plans as well as serving the needs of families and other groups, such as employers. They are an affordable way to provide for your dental care needs.
We offer annuities from carriers with the highest ratings available and designed with high current fixed interest rates and short surrender charges for both the qualified and non-qualified marketplace. The array of annuity products includes immediate or deferred, fixed as well as indexed and rated annuities for the medically impaired.
TSFL is an optimal health program. Many years of research by prestigious institutions have documented the success of this program, which entails incorporating a Health Coach with a structured eating plan. We are committed to helping people change their lives by focusing on developing healthy habits that will promote wellness and lower the risk of disease. We help these individuals as they transform their lives by losing weight (they will lose the weight!) and even more importantly, assist them as they transition to a healthier way of life and maintain their weight after reaching their weight loss goals. For all my clients, their friends and family, our coaching services are FREE!