Thank you for visiting American Insurance Broker's, LLC. We are a Premier Plymouth, IN company located in Marshall County, IN. We provide families and individuals with Financial Services, Health, Medicare, Life, Dental & Vision, Disability & many other supplemental insurance options, with the nations top carriers. Our goal is to help you find the plans that fit your needs.
Take a few minutes exploring our site to learn about the types of coverage we provide and the educational resources we offer, and then contact us to discuss how we can help meet your unique needs. AIB is an independent broker that represents several carriers and is no way affiliated directly with any company.
Take a few minutes exploring our site to learn about the types of coverage we provide and the educational resources we offer, and then contact us to discuss how we can help meet your unique needs. AIB is an independent broker that represents several carriers and is no way affiliated directly with any company.
Services
American Insurance Broker's, LLC has been helping families, individuals and business owner make decisions for over 23 years!
We can help you with Health Insurance, Life Insurance, Dental & Vision, Medicare Supplement, Disability, Long Term are and Retirement Consulting.
Our objective is simple: To identify and help minimize our clients' exposure to risk.
We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
Our approach is direct: To analyze our clients' complete insurance needs, design a responsible protection program, and recommend insurance that is a cost effective insurance strategy designed for your individual situation.
We can help you with Health Insurance, Life Insurance, Dental & Vision, Medicare Supplement, Disability, Long Term are and Retirement Consulting.
Our objective is simple: To identify and help minimize our clients' exposure to risk.
We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
Our approach is direct: To analyze our clients' complete insurance needs, design a responsible protection program, and recommend insurance that is a cost effective insurance strategy designed for your individual situation.
Your Social Security benefits are the foundation on which you can build a secure retirement.
Most financial advisors say you'll need about 70% of your pre-retirement earnings to comfortably maintain your pre-retirement standard of living.
If you have average earnings, your Social Security retirement benefits will replace only about 40%.
The percentage is lower for people in the upper income brackets and higher for people with low incomes.
You'll need to supplement your benefits with a pension, savings or investments.
Most financial advisors say you'll need about 70% of your pre-retirement earnings to comfortably maintain your pre-retirement standard of living.
If you have average earnings, your Social Security retirement benefits will replace only about 40%.
The percentage is lower for people in the upper income brackets and higher for people with low incomes.
You'll need to supplement your benefits with a pension, savings or investments.
Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as "Medicare Supplement Insurance."
Insurance companies can sell you only a "standardized" policy identified in most states by letters.
All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs.
In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.
Each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer.
Insurance companies can sell you only a "standardized" policy identified in most states by letters.
All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs.
In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.
Each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer.
Simply put, health insurance is a contract between you and your insurance company.
You buy a plan, and the company agrees to pay part of your medical costs when you get sick or hurt.
However, it's not really that simple.
You need to consider what is right for your and our family, your out-of-pocket costs and your monthly premium.
Under the Affordable Care Act, plans available in the Marketplace (and most other plans) provide free preventive care, like vaccines, screenings, and check-ups.
They also cover some costs for prescription drugs.
You buy a plan, and the company agrees to pay part of your medical costs when you get sick or hurt.
However, it's not really that simple.
You need to consider what is right for your and our family, your out-of-pocket costs and your monthly premium.
Under the Affordable Care Act, plans available in the Marketplace (and most other plans) provide free preventive care, like vaccines, screenings, and check-ups.
They also cover some costs for prescription drugs.
Permanent life insurance is a type of life insurance that can stay in force for your entire life, as long as you pay your premiums in full.
Permanent life insurance usually, but not always, builds cash value for you that you can use for expenses later in life.
On the other hand, term life insurance is only in force for a specified amount of time: usually 10, 15, 20 or 30 years.
At the end of the term, your coverage expires and you will need to either convert your policy to a permanent life insurance plan (if available) or purchase a new policy for a new term.
Permanent life insurance usually, but not always, builds cash value for you that you can use for expenses later in life.
On the other hand, term life insurance is only in force for a specified amount of time: usually 10, 15, 20 or 30 years.
At the end of the term, your coverage expires and you will need to either convert your policy to a permanent life insurance plan (if available) or purchase a new policy for a new term.
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