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Types of Insurance Offered
Life Insurance
Level Term Life Insurance
No Medical Exam Life Insurance
Instant Issue Life Insurance
Guaranteed Issue Life Insurance
Guaranteed Issue Life Insurance
Accidental Death Life Insurance
Types of Life Insurance
Term and Whole Life
Term
Most of our clients only need Term Life Insurance Term is usually the most affordable type of life insurance and serves to insure you for a short period of time, such as 10, 20, or 30 years.
As you’ll read below, since life insurance is primarily used for income replacement, most people purchase the term length that most closely represents the amount of time left in their working career. So if you think you will work 20 more years, a 20-year term policy may offer the exact amount of protection you need.
A term life insurance premium simply charges you the least amount of premium for the most amount of coverage. Your payments are guaranteed not to increase for the entirety of the term. So 30-year term means your premiums are guaranteed to stay level for 30 years.
Whole life and Universal Life Insurance
Whole life coverage provides guaranteed coverage for life with guaranteed level premiums and builds cash value.
If cash accumulation is not your goal, you might really want a guaranteed universal life policy to age 100 or 120. Guaranteed universal life may be guaranteed for life, but won’t build up as much cash value and maybe none at all. Almost all our clients purchase term. If these basic descriptions do not adequately answer your question about which type you need, please visit our articles about Term Life Insurance and Permanent Life Insurance
Senior Life Insurance
Types of Life Insurance
*Final Expense Insurance
*Burial Funeral Programs - Guaranteed (anywhere)
What is Final Expense Insurance?
Simply stated, funeral insurance is a life insurance policy designed to pay for your funeral, burial, and other “final expenses.” Funeral insurance is also called burial insurance, final expense insurance, or preneed insurance. These policies are all essentially the same thing, but there are some differences, and we’ll explain those to you. For simplicity, let’s call it funeral insurance.
Preneed insurance is another commonly used term but that is a different type of policy. Preneed insurance is tied to a prearranged contract for funeral goods and services. These are contracts with a funeral home or other funeral provider that are created in advance. Burial insurance is not linked to a prearranged funeral contract.
Estimate Your Final Expenses.
Determine If You Will Leave Behind Enough Money.
Decide If You Need Funeral Insurance.
Decide on the Type of Insurance You Want.
Get a Funeral Insurance Quote.
Decide If You Can Afford The Coverage You Want.
Choose a Funeral Insurance Provider.
Funeral Burial Plans (Guaranteed)
When you plan end-of-life details in advance, you provide peace of mind for yourself and your family. Your loved ones won't need to worry about money. They just choose a funeral home, plan a service. The plan will pay for your funeral, cremation, memorial or celebration of life.
With a Funeral Burial Plan, you get to choose the type of service you want and lock in today's prices, which protects you against rising costs and inflation. Once you decide on the details of the plan and sign a contract, the funeral home establishes an insurance policy or trust account (revocable or irrevocable) on your behalf, which secures your monthly payments. As with any big purchase, your payments continue until the balance on your plan is paid off. Terms are allow you to have a monthly payment that works with your budget.
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Senior Health Insurance
·Medicare Health Insurance Supplements (Parts A, B, C, D)
·Medicare Advantage Health Insurance (Part C)
·Prescription Drug Plans (Part D)
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All of our Request are No Obligation and Confidential. We are here to help you find the best suitable product for you needs. Honest, Confidential Secure. That’s Our Promise!
What is Medicare and who is eligible...
What is Final Expense Insurance?
· Medicare is a U.S. federal government health insurance program that subsidizes healthcare services. The plan covers people over age 65, younger people who meet specific eligibility criteria, and individuals with certain diseases. Medicare is divided into different plans that cover a variety of healthcare situations—some of which come at a cost to the insured person. While this allows the program to offer consumers more choice in terms of costs and coverage, it also introduces complexity for those seeking to sign up.
· Eligibility depends on certain criteria. Anyone who has lived in the U.S. for at least five years and is 65 or older qualifies for Medicare coverage. Enrollment in both Parts A and B is automatic for anyone who receives Social Security benefits. Part D coverage is optional and enrollment must be done by the patient.
Medicare
Medicare is a Federal Program that offers Health Insurance to American Citizens and other eligible individuals. The program is often referred to as Original Medicare. It has two parts -- Part A and Part B.
Part A
covers inpatient hospital and skilled nursing care
Part B
covers doctor visits, outpatient care, and some drugs only covered by Part B.
You can add a stand alone Part D plan (prescription drug plan), a Medicare supplement plan or combine to Original Medicare (Part A and B).
Which Plan Is Right For Me?
By working with a broker I can help you shop for plans and find the best fit for you and your budget. I offer most insurance carriers so I can give you a Non-Biased opinion. My service to you is absolutely FREE!
How Can I Enroll?
Your initial enrollment period, commonly referred to as your IEP, is 7 months long. It begins 3 months before your 65th birthday, the month of your 65th birthday, and continues for three months after.
Am I Eligible?
Medicare is a Federal Program that offers Health Insurance to American citizens. Legal residents must live in the U.S. for at least 5 years in a row, including the 5 years before applying for Medicare.
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All of our Request are No Obligation and Confidential. We are here to help you find the best suitable product for you needs. Honest, Confidential Secure. That’s Our Promise!
ABOUT e-Insurance Today:
Insurance Today LLC, has been in the industry for over 20 years. Whether it's finding the right plan for a client or helping a Senior navigate the Medicare world, we can get it done swiftly and correctly the first time. In addition we can help make changes when your situation evolves over time.
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