Product Lines

Long Term Care & Home Health Care

While costs for nursing home care vary widely, they average about $4,500 a month. This can cost approximately $50,000 to $60,000 a year. A study by the U.S. Department of Health and Human Services says that people who reach age 65 will likely have a 40 percent chance of entering a nursing home. About 10 percent of the people who enter a nursing home will stay there five years or more. Long Term Care Insurance can help protect senior's estates from these catastrophic costs. LTC insurance can also help seniors with peace of mind knowing they will not be a burden to their kids and instead maintain their independence.

Medigap & Medicare Advantage

Medigap or Medicare Supplement policies have been helping seniors for years paying in coordination with Medicare their hospital and doctor bills. Recently, Medicare Advantage has been a cost saving alternative. Either way seniors need to make sure they have one of these forms of coverage to protect themselves from rising healthcare costs.

Final Expense Life Insurance

According to the U.S. Federal Trade Commission: "A traditional funeral, including a casket and vault, costs about $6,000, although 'extras' like flowers, obituary notices, acknowledgment cards or limousines can add thousands of dollars to the bottom line. Many funerals run well over $10,000. Final Expense Life Insurance is designed to pay a tax-free death benefit to a beneficiary to help with these rising funeral costs.

Annuities

Seniors that are looking for a place to park their retirement money are looking for something non-risk but provides good interest rates. Fixed Indexed Annuities fit the bill. Allowing the money to grow tax-deferred with many flexible payout options are just some of the reasons that FIA's are becoming so popular. Throw in the fact that some of the annuities are paying up to a 11% bonus and paying 100% penalty free upon death and you can see why FIA's are the future for retirees.

Part D

November 15, 2005 Medicare started joint funding with healthcare companies to offer prescription coverage for seniors. By providing affordable coverage on expensive prescriptions these Part D plans have offered comfort to many seniors so that they can continue to afford their medication now and for the future.

Estate Preservation Agency