Did you know: Small Group coverage is generally guaranteed issue
You need at least one employee to qualify
You must contribute toward employee premiums
You can shop for coverage at any time of the year
If you have a census, email or fax it to us and let us get to work for you. If you have a new plan to consider, call us so we can be certain to get the information we need to assist you and get you a census form.
Are there other Group Benefits you would like information about? Retirement Plans? We are experts and can help you tailor a plan that fits you or your company's goals. Already have a plan in place? Then let's find out if you can either save some money or improve your benefits and insurance. Call us or send us your questions on the contact form.
GROUP INSURANCE AND BENEFITS
Request a census form or compare your current plan, click on the star
LIFE INSURANCE
What is the value of YOUR life? Life insurance is a founding block of financial plans and business plans. Protect your family, protect your business. Do you know the questions that are asked when a person dies? From experience let me suggest they are (1) how old were they, (2) what happened, and (3) does the family have money.
Do you have enough or do you have to much? What is the right kind? The answers are more involved than simply thinking Term Life solves every persons insurance need. Term might be the right life insurance for a person or business but it is not the right kind of life insurance for all insurance needs.
To request information or schedule an appointment click on the star
LONG TERM CARE AND HYBRID LTC
It's a bit startling to consider that 70% of those turning age 65 today could need some type of long-term care during their life, according to the U.S. Department of Health and Human Services. If you are one of those 70%, how have you planned to cover the cost?
There are Traditional LTC (Long Term Care) plans and Hybrid plans. Hybrid LTC plans combine either life insurance with LTC or a fixed annuity with LTC. Some carriers offer a guaranteed minimum interest rate, principal protection, inflation riders, joint benefits, and/or a 2x or 3x multiplier of the contract value for qualified long-term care expenses. What is right for you depends on your finances, your needs, your health, your age, and your plans. Don't plan to fail.
To request information or schedule an appointment click on the star
MEDICARE, MEDICARE ADVANTAGE PLANS, SOCIAL SECURITY
IF you are 65 or older, you qualify for Medicare. Medicare is Federally Sponsored Healthcare through the Social Security Administration. Not all costs are covered by Medicare. Medicare Supplements and Medicare Advantage Plans help you control your cost and your care. Ready to know more?
Added bonus: we can help you with your Social Security and income planning.
For information or to send us a message, click on the star
HEALTH INSURANCE
Individual or Family Healthcare Plans vary from carrier to carrier and in cost depending on the plan deductible, coverage limits, type of plan, and the ages of the insured participants. What is best for you? What are your and your families needs?
If you want to Get a quote from Blue Cross Blue Shield click on GO