Helping Senior Citizens

We go through many changes as we get older.  Those changes create needs which may require adjustments in your insurance coverages.

Medicare

One of the most noticeable changes occurs when you reach age 65.  You become eligible for Medicare, the governmental health insurance program for Senior Citizens.  We are told that Medicare will cover, on average, about 2/3 of all your medical bills.  You are responsible for the other 1/3.  You can purchase Medicare Supplement or Medigap coverage to help you with your share of the bills.  Many plans are offered through many copmpanies.  If you would like help sorting through different plans and companies to find the one which is best for you, contact us, one of our agents (click on "Find an Agent"on the left) or click on "medicare supplememt" under "Request a Quote" on the left of your screen. 

Income

Do you need an income you cannot outlive?  Would you like to earn competetive interest?  Are you paying taxes on interest income and want to reduce your taxes?  Immediate or Deferred Annuities might be right for you.  For information, contact this office, "Find an Agent"on the left of this screen or choose "annuity" from the "Request a Quote" area at the left of your screen.

Long Term Care

Many of us will reach a point where we are no longer able to take complete and proper care of ourselves.  Statistics tell us the probability is about 50/50 that at least one partner in a senior couple will spend significant time in a long term care situation.  Medicare is not designed to pay for this type care.  Do you want to move in with family?  Do you have family who are able and willing to move in with you?  What economic and emotional toll will you and your family pay?  Care can cost several thousand dollars a month.  Would the expenses eat up your life savings?  Wouldn't you rather maintain dignity and control?  Insurance can help.  Policies are available to help you to stay in your own home or cover costs of care elewhere.  Let us help you review your needs.  At the left of your screen you can "Request a Quote"for "long term care".  You can also "Find an Agent"or contact our office.

Final Expenses

Easy to buy, competetively priced life insurance policies are available at almost any age to help with your final expenses.  "Request a Quote"for "life insurance" at the left of yoru screen or contact us.

Dental Coverage

Recent information indicates that about 20% of health problems are traceable to tooth and gum disease.  Proper dental care can help us enjoy longer healthier lives.  Not so long ago coverage was not available for senior citizens.  Dental insurance can help you with the costs of proper dental care.  At the left of your screen you can "Find an Agent" to help you.  You can also "Request a Quote" for "individual dental" insurance.