Many seniors who don't already have life insurance think they are too old to get in the game. Today however, there are a whole range of insurance products and annuities designed specifically for seniors age 65 and older. These investments can help maintain your current lifestyle, and protect your loved ones in the event of an accident.

Fill out the form on the right to get started on finding an Insurance Strategy that is right for your needs. It's free, informative, and there is no obligation.

Medicare Supplements

• Sometimes Medicare does not cover all the health costs of a person. To avoid large out-of-pocket expenses, consider Medicare Supplement Insurance (aka Medigap). Medicare Supplement Insurance is available exclusively to people age 65 or older, and pays the balance of what Medicare does not cover. The availability of these plans vary by geography and may not be available in your area. Contact one of our Insurance Representatives to find out if you qualify for Medicare Supplements.
  

     Medicare Advantage

• Medicare Advantage Plans are available to people who have Medicare Part A and Part B. plans that replace traditional medicare by giving access to either groups of doctors and hospitals or any doctor and hospital by using co-payments and deductibles.

     Auto Insurance

• Insurance that covers insured’s vehicle(s) primarily in case of a loss caused by an accident and or liability claim caused by the accident.

     Umbrella Policy

• Umbrella insurance is additional liability coverage that extends beyond an insured auto and home liability limits that is used to cover people against major claims.  These policies are inexpensive and should be considered with today’s sue-happy society.

     Long-term Care

• Insurance policies that pay some or all costs of nursing home care for qualified insureds. Premiums are based on the age of the applicant and are projected to remain stable for the life of the policy. Premium payments stop when the insured meets the qualifications for long-term care, which include medical necessity, cognitive impairment, and inability to carry out certain activities of daily living.

    Fixed Annuities

• Fixed Annuities are investment vehicles that offer a fixed rate or guarantee minimum rate of return for a specified period of time for contract owners, which usually can be annuitized for payments for a specified period of time for the annuitant.
  

    Fixed Index Annuities

• Fixed Index Annuities are investment vehicles that offer a client a way to participate in the gains from an equity index i.e. S&P 500, without the downside of the market with a cap on the potential earnings.  Unlike fixed annuities there usually is several crediting methods ranging from a fixed method to even an international index.