Life Insurance Options

Each phase of our life brings a new set of priorities. Two of the most pressing issues for seniors to deal with are health care and finances.  Advancements in health care, and a greater awareness of the importance of health maintenance and overall fitness, has lengthened the lifespan of the average person – extending the retirement years. This means good financial planning for those years is more challenging than ever before.

More than 10,000 people turn 65 every day in the United States, and people are living longer and healthier lives. I am proud to say the insurance industry is doing a great job in creating products to help our seniors with the financial burden that health issues can create.  Some of these products are Medicare Supplements, Medicare Advantage, Prescription Drug plans, Long and Short-Term Care.

The insurance industry is also doing a great job in recognizing the importance of helping secure our financial future through life insurance. Planning ahead to help protect our loved ones from a financial burden of outstanding medical bills, unexpected expenses or debt we leave behind is very important!  Planning ahead also can help provide financial security for our spouse and/or other loved ones.

Over the years I have visited with people that have, for a number of reasons, not purchased any permanent life insurance.  Common things I have heard are: “when I was younger I did not feel the need” or “I had group life insurance, so that is all that I needed or “I bought a low cost term insurance policy and now it has expired”.  Reasonably good reasons, so now they want to purchase coverage and feel the rates are too high or their health conditions are such that the insurance carriers will not accept them!  The Life Insurance Industry has heard your thoughts and have developed a number of life insurance plans to accommodate your current needs!

Please look at the information under the “Final Expenses” and “Other Needs” for additional information that might be helpful!

If you are interested in additional information please email or call me and we can discuss!