Business Details
46 Years
experience
Your Trusted Medicare & Insurance Consultant in Mesa
BJE Medicare, led by Bernie Esberner, is a trusted independent insurance and financial services agency with over four decades of experience. Since 1980, we have specialized in Medicare, life insurance, annuities, and retirement planning, serving seniors and families with personalized solutions. Our expertise includes navigating complex insurance options, offering free consultations, and providing guidance on social security and elder care. We prioritize client education, transparency, and long-term financial security, ensuring clients make informed decisions tailored to their unique needs. 
Services
Medicare Consultation
Life Insurance
Annuities
Retirement Planning
Final Expense Insurance
Long-Term Care Insurance
Health Insurance
Tax Preparation
Social Security Guidance
Financial Planning
Details
- Year established: 1980
Highlights and features
- We offer over 40 years of experience in insurance and financial services.
- Our free Medicare consultations provide personalized, unbiased guidance.
- We specialize in elder care, retirement planning, and social security strategies.
- Our team holds advanced certifications in Medicare and financial planning.
- We represent multiple carriers to ensure competitive, tailored solutions.
Services
Medicare Consultation
Our Medicare consultation service helps seniors navigate complex insurance options, including Part A/B, Advantage plans, and supplements. We provide free, unbiased guidance to ensure clients select plans that match their healthcare needs and budget. With expertise in enrollment periods and cost-sharing, we simplify Medicare to protect your financial and health security.
Life Insurance
We offer term, whole life, and final expense insurance to safeguard your family's financial future. Our policies include customizable riders for critical illness or long-term care, ensuring coverage adapts to life changes. We help clients understand policy benefits, premiums, and tax advantages to make informed decisions aligned with their goals.
Annuities
Annuities provide guaranteed income streams for retirement, with options like fixed, indexed, and variable plans. We assist clients in rolling over IRAs or 401(k)s into annuities, optimizing tax-deferred growth. Our focus is on creating stable, lifelong income solutions while mitigating market risks through tailored strategies.
Financial Planning
Our financial planning services integrate retirement, tax, and estate strategies to build long-term wealth. We analyze clients' financial situations, set achievable goals, and develop actionable plans for debt management, savings, and legacy planning. With a focus on education, we empower clients to make confident, informed decisions.
Social Security Guidance
We clarify Social Security claiming strategies to maximize lifetime benefits. Our guidance includes spousal, survivor, and disability benefits, ensuring clients understand how Medicare and retirement plans interact with Social Security. We help minimize tax impacts and optimize income streams for financial stability in retirement.
People
Bernie Esberner
Independent Broker
Bernie Esberner is a seasoned insurance and financial services professional with over 40 years of experience. He specializes in Medicare, life insurance, and retirement planning, holding certifications from The American College and College of DuPage. Bernie prioritizes client education and personalized solutions for seniors.
Questions
What Medicare plans do you offer?
We provide guidance on Medicare Part A/B, Advantage plans, Supplements, and Prescription Drug Plans, helping clients choose options that fit their healthcare needs.
Do you offer free consultations?
Yes, our Medicare and insurance consultations are always free, with no obligation to purchase any plan.
Are you licensed in my state?
We serve clients in Arizona and Wisconsin. Contact us to confirm licensing details for your specific location.
What life insurance options are available?
We offer term life, whole life, final expense, and policies with long-term care riders to suit diverse needs.
How can annuities benefit my retirement?
Annuities provide guaranteed income streams, tax-deferred growth, and protection against market volatility for a secure retirement.
Do you help with Social Security planning?
Yes, we provide strategies to maximize Social Security benefits and coordinate them with Medicare and retirement plans.
