Business Details
Although the senior insurance industry has become more complex, our commitment to looking out for the best interest of our clients has stayed steady since day one. We stay ahead of market changes and continue to update our provided products to not only provide you with the best coverage, but at a competitive price.
Maybe it's choosing an individual health care plan or Medicare supplement to purchasing a final cost policy, our clients have trusted us to advise them through some of the most difficult decisions they have had to make for their own lives and the lives of their loved ones.We have provided courteous and individualized service to thousands of individuals, their families, and businesses throughout the state of Illinois.
We work with more than 35 insurance companies to provide a tailored holistic insurance plan to limit your risk and meet your budget.
Maybe it's choosing an individual health care plan or Medicare supplement to purchasing a final cost policy, our clients have trusted us to advise them through some of the most difficult decisions they have had to make for their own lives and the lives of their loved ones.We have provided courteous and individualized service to thousands of individuals, their families, and businesses throughout the state of Illinois.
We work with more than 35 insurance companies to provide a tailored holistic insurance plan to limit your risk and meet your budget.
Services
Services
Medicare Supplement, also called Medigap, is coverage you buy to help pay for some of the costs Original Medicare doesn't.
Benefits are identical from company to company, and you must have Part A and Part B. These plans don't cover everything, so they won't cover long-term care, vision, dental, hearing aids, or glasses.
If you want pharmacy coverage, you'll also have to buy a Part D plan separately.
An individual's out-of-pocket costs of participating in Medicare have increased since the beginning of the Medicare program, including: deductibles and co-payments, monthly premiums and uncovered expenses.
Benefits are identical from company to company, and you must have Part A and Part B. These plans don't cover everything, so they won't cover long-term care, vision, dental, hearing aids, or glasses.
If you want pharmacy coverage, you'll also have to buy a Part D plan separately.
An individual's out-of-pocket costs of participating in Medicare have increased since the beginning of the Medicare program, including: deductibles and co-payments, monthly premiums and uncovered expenses.
Medicare Part D
Medicare Part D is coverage for retail prescription drugs that you obtain from a retail pharmacy.
This voluntary program allows you to access medications at a more affordable rate.
It also provides insurance against catastrophic drug costs.
We represent the following companies: United Healthcare, Blue Cross Blue Shield of Illinois, Cigna, WellCare, Humana.
This voluntary program allows you to access medications at a more affordable rate.
It also provides insurance against catastrophic drug costs.
We represent the following companies: United Healthcare, Blue Cross Blue Shield of Illinois, Cigna, WellCare, Humana.
Life Insurance
Term life Insurance offers competitive premiums as it only covers specific periods of time.
Clients select the term length they need as well as the coverage, or face, amount of the policy.
For example, a client can choose a 25-year term life policy, in order to maintain your family's standard of living until your children are out of school.
Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value.
The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change.
Clients select the term length they need as well as the coverage, or face, amount of the policy.
For example, a client can choose a 25-year term life policy, in order to maintain your family's standard of living until your children are out of school.
Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value.
The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change.
Final Expense
Final expense insurance, also known as "burial" or "funeral" insurance, is a life insurance policy with a low face value.
Final expense insurance, also known as "burial" or "funeral" insurance, is a life insurance policy with a low face value, from $2,000 to $50,000, that you can buy when you reach 50.
Policyholders can name any beneficiary, typically a family member, who would make the claim and receive the money upon the policyholder's death.
The beneficiary is then responsible for using the money to carry out the policyholder's wishes.
Final expense insurance, also known as "burial" or "funeral" insurance, is a life insurance policy with a low face value, from $2,000 to $50,000, that you can buy when you reach 50.
Policyholders can name any beneficiary, typically a family member, who would make the claim and receive the money upon the policyholder's death.
The beneficiary is then responsible for using the money to carry out the policyholder's wishes.
Long Term Care
Long-term care insurance could be one of the most valuable tools for protecting your financial assets in retirement.
For seniors with failing health, chronic disease, mental illness, or disability, the cost of healthcare during retirement can be devastating.
The cost of professional care can quickly drain a lifetime of savings, even going so far as to bankrupt some seniors.
Long-term care insurance helps cover the cost of assistance without depleting your assets.
For seniors with failing health, chronic disease, mental illness, or disability, the cost of healthcare during retirement can be devastating.
The cost of professional care can quickly drain a lifetime of savings, even going so far as to bankrupt some seniors.
Long-term care insurance helps cover the cost of assistance without depleting your assets.
Annuities
An annuity is a financial product typically used by investors to save tax-deferred for retirement or to generate regular income payments, helping to replace a paycheck in retirement.
Annuities are insurance contracts whose payments are guaranteed by the company issuing the contract.
Similar to an IRA, a variable annuity lets you save for retirement and delay paying taxes on your earnings until you make withdrawals.
By deferring taxes, you can increase compounded earnings growth and potentially end up with a bigger nest egg.
Annuities are insurance contracts whose payments are guaranteed by the company issuing the contract.
Similar to an IRA, a variable annuity lets you save for retirement and delay paying taxes on your earnings until you make withdrawals.
By deferring taxes, you can increase compounded earnings growth and potentially end up with a bigger nest egg.
Cancer Care
A Cancer Treatment Insurance Policy provides cash for covered care and costs due to your cancer treatment.
You could get cash benefits for covered care and costs during your cancer treatment.
Here's an example.
Jake's family had a history of cancer, so he always knew it could be something he'd have to face.
Despite years of it being in the back of his mind, the news of a diagnosis at just 37 was overwhelming.
But luckily, Jake had a Cancer Treatment Policy.
So he was able to get a helping hand at a time when he most needed one.
You could get cash benefits for covered care and costs during your cancer treatment.
Here's an example.
Jake's family had a history of cancer, so he always knew it could be something he'd have to face.
Despite years of it being in the back of his mind, the news of a diagnosis at just 37 was overwhelming.
But luckily, Jake had a Cancer Treatment Policy.
So he was able to get a helping hand at a time when he most needed one.
Dental, Vision and Hearing
Our Dental, Vision & Hearing Insurance plans provide coverage for typical dental, vision and hearing exams and expenses.
Dental, vision, and hearing insurance is an important addition to your Original Medicare Parts A and B coverage.
Why?
Because Medicare does not cover your typical dental, vision and hearing exams and expenses, nor does Medicare supplement insurance.
Dental Insurance provides benefits for services such as preventive care, routine checkups, crowns and implants.
Clients can take advantage of these services and discounted services with a network provider of over 200,000 credentialed dental participants.
Dental, vision, and hearing insurance is an important addition to your Original Medicare Parts A and B coverage.
Why?
Because Medicare does not cover your typical dental, vision and hearing exams and expenses, nor does Medicare supplement insurance.
Dental Insurance provides benefits for services such as preventive care, routine checkups, crowns and implants.
Clients can take advantage of these services and discounted services with a network provider of over 200,000 credentialed dental participants.
