Bob Westrich is an independent insurance agent specializing in Health, Life Insurance and Investments. He works with dozens of insurance companies so he can offer his clients appropriate coverage for them. Bob's clients are located all across northern Illinois, giving him a great feel for the insurance landscape. He design plans with a focus on low costs, and tax-efficiency, which he combines with personalized insurance advice aimed at helping his clients make better-informed decisions.
Services
Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplements and Medicare Advantage Plans differ.
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement Insurance Plans is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement Insurance Plans is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).
SAVING MONEY on employee benefits is a must in today's economy.
The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages.
Many employers struggle to balance employee needs with their own capabilities and bottom lines.
Helping you meet these divergent objectives is our specialty.
For years, Bob Westrich has been providing insurance and employee benefits consulting services to the business community.
Built upon a tradition of integrity, industry leadership, and excellence, we are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable professional services, and technology-based solutions.
The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages.
Many employers struggle to balance employee needs with their own capabilities and bottom lines.
Helping you meet these divergent objectives is our specialty.
For years, Bob Westrich has been providing insurance and employee benefits consulting services to the business community.
Built upon a tradition of integrity, industry leadership, and excellence, we are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable professional services, and technology-based solutions.
Life insurance may be one of the most important purchases you'll ever make.
In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs.
In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs.
Disability Income Insurance is a form of insurance that insures the beneficiary's earned income against the risk that a disability will make working, and therefore earning money, impossible.
It includes paid sick leave, short-term disability benefits, and long-term disability benefits.
More than a quarter of today's 20 year olds will become disabled, according to the Social Security Administration (SSA).
It does not have to be a freak injury that prevents you from working - back injuries, cancer, heart disease or other illnesses are the majority of the reasons for long-term absences.
It includes paid sick leave, short-term disability benefits, and long-term disability benefits.
More than a quarter of today's 20 year olds will become disabled, according to the Social Security Administration (SSA).
It does not have to be a freak injury that prevents you from working - back injuries, cancer, heart disease or other illnesses are the majority of the reasons for long-term absences.
If you're like most people, you are too busy working (or playing if you are retired) to study the constantly changing impact of tax laws, market conditions and financial product development.
Bob Westrich does this for you by developing long-term tax efficient strategies that work toward accumulating and preserving and distributing wealth.
My insights and experience allow me to develop a strategy and implement a plan that will help achieve your goals.
Bob Westrich does this for you by developing long-term tax efficient strategies that work toward accumulating and preserving and distributing wealth.
My insights and experience allow me to develop a strategy and implement a plan that will help achieve your goals.
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