Over 20 years ago, I realized that I could make a difference by helping others with their insurance and retirement needs as an independent agent. This allows me to work with many different insurance brokers to choose the best insurance company for the client. We concentrate on group health insurance with ancillary benefits, annuities, life insurance, and Medicare products.
My goal is to make the insurance process simple and to prepare you and your family or business for the future. Osborn Insurance offers many kinds of personal insurance and financial planning for you and your family. We also offer Group insurance for your business needs. We at Fourth Street Motor Company, Inc. have dealt with Luke Osborn for a multitude of years.
He is very efficient, organized, and punctual and treats his clients with the utmost respect and sincerity. We would highly recommend him for any health insurance and/or any financial assistance.
My goal is to make the insurance process simple and to prepare you and your family or business for the future. Osborn Insurance offers many kinds of personal insurance and financial planning for you and your family. We also offer Group insurance for your business needs. We at Fourth Street Motor Company, Inc. have dealt with Luke Osborn for a multitude of years.
He is very efficient, organized, and punctual and treats his clients with the utmost respect and sincerity. We would highly recommend him for any health insurance and/or any financial assistance.
Services
Osborn Insurance is an independent agency.
This allows me to work with many different insurance brokers to choose the best insurance company for the client.
We can evaluate things such as insurance rating, financial strength, and service to our specific area and clients.
I was born and raised in Farmville, VA and graduated from Prince Edward Academy (now Fuqua School) in 1987.
I then attended Longwood University and received a Bachelor of Science in Political Science in 1992.
As an independent agent, I can utilize many different top rated companies with diverse products.
This allows me to work with many different insurance brokers to choose the best insurance company for the client.
We can evaluate things such as insurance rating, financial strength, and service to our specific area and clients.
I was born and raised in Farmville, VA and graduated from Prince Edward Academy (now Fuqua School) in 1987.
I then attended Longwood University and received a Bachelor of Science in Political Science in 1992.
As an independent agent, I can utilize many different top rated companies with diverse products.
Terms range from 5 to 30 years, depending on an individual's needs.
It is much cheaper than whole life, but again only lasts a certain term and then ends, while whole life is permanent.
Term is good for someone who may be certain financial obligations over a period of time that would need to be fulfilled in the event of death, in order to prevent a financial burden on other family members.
Whether you purchase a whole life or a term insurance product, both are a necessity for the security of your family and business.
It is much cheaper than whole life, but again only lasts a certain term and then ends, while whole life is permanent.
Term is good for someone who may be certain financial obligations over a period of time that would need to be fulfilled in the event of death, in order to prevent a financial burden on other family members.
Whether you purchase a whole life or a term insurance product, both are a necessity for the security of your family and business.
Medicare Part A (Hospital Insurance) - Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Medicare Part B (Medical Insurance) - Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
Medicare Part D (prescription drug coverage) - Helps cover the cost of prescription drugs (including many recommended shots or vaccines).
Once you receive your Medicare card that has Part A and Part B, you are ready to sign up for supplemental and prescription insurance.
Medicare Part B (Medical Insurance) - Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
Medicare Part D (prescription drug coverage) - Helps cover the cost of prescription drugs (including many recommended shots or vaccines).
Once you receive your Medicare card that has Part A and Part B, you are ready to sign up for supplemental and prescription insurance.
An Annuity is a contract sold by insurance companies to provide retirement savings.
Fixed and Fixed Indexed Annuities are great for people who are retiring and want to invest their money in a safe investment vehicle with guarantees.
Over the last 10 years, fixed indexed annuities have been a focal point of investors because of strong returns and no risk of loss to your investment.
FIA's are very flexible and returns are based off of crediting interest strategies you choose within an index and how they perform.
Fixed and Fixed Indexed Annuities are great for people who are retiring and want to invest their money in a safe investment vehicle with guarantees.
Over the last 10 years, fixed indexed annuities have been a focal point of investors because of strong returns and no risk of loss to your investment.
FIA's are very flexible and returns are based off of crediting interest strategies you choose within an index and how they perform.
Group Health Insurance is something that every business must consider.
When an employee looks for a job, one of the first things he or she considers are the benefits that complement the salary.
Group benefits are an excellent way to keep good employees working hard for you, thus making your business much more viable and successful.
Group insurance also provides the employer with additional tax breaks.
Business insurance, along with a 401K plan, are excellent ways to keep your employees content and working hard for you.
When an employee looks for a job, one of the first things he or she considers are the benefits that complement the salary.
Group benefits are an excellent way to keep good employees working hard for you, thus making your business much more viable and successful.
Group insurance also provides the employer with additional tax breaks.
Business insurance, along with a 401K plan, are excellent ways to keep your employees content and working hard for you.
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