I Help People Create & Protect Their Legacy

Main Things Right, What I Do Well

Life insurance has been around in some form or another for between 250-400 years. And yet, most of us really do not understand it’s full purpose. All we know is that when we die, our families get a check.

That does not even begin to scratch the surface of everything that life insurance can do. This section of the site addresses the topic of life insurance planning, critical care, and various kinds of LTC, STC, and HHC products.

LIFE INSURANCE

  • Life Insurance Products – this page is a nice insurance 101 with a video and basic explanation of the three types of basic life insurance.
  • How Much Life Insurance Do You Need – There are many ways to investigate and analyze how much life insurance a family or individual needs in their life. This answer largely depends on why you think you need it and what your goals are.
  • Grab a Term Quote – Grab a basic quote on a term plan if you are looking for simple coverage that will cover you for a specific “term” of time.
  • Grab a Final Expense Quote – Final expense is generally a long term plan, that offers guaranteed rates with no increases. The policies are usually smaller (like $10,000-$25,000) and the benefits mostly are used to pay for funerals and last minute debts upon passing.

CRITICAL CARE

  • Critical Care Insurance Products – Some of the most important coverage out there today. Did you know we are living longer? Did you know that we are surviving heart attacks, strokes, and cancer more often? Did you know that medical expense is the number one reason for bankruptcy in America. Did you know that there is a 70% chance of having one of their problems cause you are world of financial hurt, if you survive?
  • GTL’s New Cancer, Heart Attack, and Stroke Insurance Products – GTL has a wonderful new program to protect you against these health issues. 

LONG-TERM, SHORT-TERM, HOME HEALTH CARE

  • Genworth’s Care Survey – LTC is probably as important as any type of coverage out there. And, no one has their policies? Why? Two reasons; 1 – they are not cheap (although the younger you are, the cheaper they are.) and 2 – because you have to get them while you are still young, you have to pay into them for many years (20-30 years) before you will ever use them. Having said that, there is still a very important place for this coverage in your life. It can save your home one day.

 

I Educate, Enroll & Support Medicare Beneficiaries

Main Things Left, What I Do Well

I love educating seniors and those turning sixty-five on how Medicare works and functions. So many have told me over the years that I really helped them understand the Medicare system and how to save money.

Each year during the annual “open enrollment” season I meet with more than four hundred Medicare beneficiaries. I work seven days per week and drive more than 5,000 miles per month. I have a blast seeing everyone and helping them SAVE, SAVE, SAVE!

The Medicare pages above may help you a lot.

MEDICARE SECTION MENU

  • Medicare – This section has some good general content on how Medicare works and about the “Medicare & You” handbook. It talks a little bit about some of the things I can do for you.
  • Are Your Turning 65 Soon? – Basic information about Medicare if you are just now turning 65 years old. It has a listing of the companies I represent which is important for you to know about. I represent nearly all the companies in the industry, which means I have no ax to grind when we speak. I remain objective and impartial. I am only here to help you save the most amount of money possible.
  • The 5 Things You Need to Know About Medicare  – This is a postcard series that I sent out to those about to turn 65 years old. Over a period of 8 weeks, these lucky few receive these cards with many tips and suggestions about Medicare outlining the steps they need to take to make the Medicare transition a smooth one.
  • The Medicare Supplement Comparison Chart – Right out of the “Medicare & You” handbook, this chart outlines all the major workings of the Medicare Supplement Plans. 
  • GTL: The Supplement to Your MedicareAdvantage Plan -This is such a wonderful tool when used hand in hand with MedicareAdvantage plans. It literally takes some of the co-pays off the table. 
  • Medicare.gov Annual Reviews – I love the annual reviews. This is my chance to meet with more than 400 clients, review their cases, and double check their needs to make sure that they have the right Medicare plans to serve their needs. At the reviews, we use Medicare.gov itself to check and double check their expected annual healthcare costs.
  • Enrollment Assistance FAQs by the “Medicare NINJA!” – Many of the same questions come up time and time again. So, here are the answers to some of the more common questions you may have.

MEDICARE CLIENT TESTIMONIALS

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Brighter Ideas!

Announcements, Critical Care, Life insurance

I have a new company I am representing. Bright Ideas Dental offer a whole host of products including dental (with up to a $5,000 benefit), vision, accident & assistance, critical care, hospital indemnity, and a couple of others.

I have added them to my portfolio because I like their rates, I like their website, and more importantly, they offer a dental plan called the Bright Idea Dental 5000 that has a $5,000 maximum out of pocket for a plan year.

Now, this is important for a LOT of my clients. Most plans have a maximum of $1,200 or $1,500 or at the very maximum, maybe $2,000. Me personally, I would rather pay $60 a month and have a $5,000 than spend $35 a month and have a $1,500 plan.

Seniors especially need plans that have good maximums. As we get older we just simply need to have more dental work done (a lot of us).

There are still waiting periods on major services (common in most plans), but preventative is covered at 100% and basic services are covered at 80% with no waiting period.

The networks seems to be good as well. Check it out HERE!

To search their products, get a quote, enroll yourself, go HERE!

If you want to talk to me about this company and their products. Call me and we will set some time to talk about them. I like their offerings a LOT.

Todd

Kentucky Health News: After fellow Republicans kill his bill, McConnell adopts an idea he had dismissed: repeal Obamacare now, replace it later

Announcements, Healthcare, Obamacare

In my opinion, Mitch has lost his mind. We do not need to repeal ACA. We need it fixed. ACA has helped me to help a lot of lower income families. Granted it is TERRIBLE for the middle class. This is what needs to be fixed. I would hate to see it taken away from poor families that for the first time were able to afford healthcare insurance.

Source: Kentucky Health News: After fellow Republicans kill his bill, McConnell adopts an idea he had dismissed: repeal Obamacare now, replace it later

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