Although the senior insurance industry has become more complex, our commitment to looking out for the best interest of our clients has stayed steady since day one. We stay ahead of market changes and continue to update our provided products to not only provide you with the best coverage, but at a competitive price.
Maybe it's choosing an individual health care plan or Medicare supplement to purchasing a final cost policy, our clients have trusted us to advise them through some of the most difficult decisions they have had to make for their own lives and the lives of their loved ones.We have provided courteous and individualized service to thousands of individuals, their families, and businesses throughout the state of Illinois.
We work with more than 35 insurance companies to provide a tailored holistic insurance plan to limit your risk and meet your budget.
Maybe it's choosing an individual health care plan or Medicare supplement to purchasing a final cost policy, our clients have trusted us to advise them through some of the most difficult decisions they have had to make for their own lives and the lives of their loved ones.We have provided courteous and individualized service to thousands of individuals, their families, and businesses throughout the state of Illinois.
We work with more than 35 insurance companies to provide a tailored holistic insurance plan to limit your risk and meet your budget.
Services
Medicare Supplement, also called Medigap, is coverage you buy to help pay for some of the costs Original Medicare doesn't.
Benefits are identical from company to company, and you must have Part A and Part B. These plans don't cover everything, so they won't cover long-term care, vision, dental, hearing aids, or glasses.
If you want pharmacy coverage, you'll also have to buy a Part D plan separately.
An individual's out-of-pocket costs of participating in Medicare have increased since the beginning of the Medicare program, including: deductibles and co-payments, monthly premiums and uncovered expenses.
Benefits are identical from company to company, and you must have Part A and Part B. These plans don't cover everything, so they won't cover long-term care, vision, dental, hearing aids, or glasses.
If you want pharmacy coverage, you'll also have to buy a Part D plan separately.
An individual's out-of-pocket costs of participating in Medicare have increased since the beginning of the Medicare program, including: deductibles and co-payments, monthly premiums and uncovered expenses.
Medicare Part D is coverage for retail prescription drugs that you obtain from a retail pharmacy.
This voluntary program allows you to access medications at a more affordable rate.
It also provides insurance against catastrophic drug costs.
We represent the following companies: United Healthcare, Blue Cross Blue Shield of Illinois, Cigna, WellCare, Humana.
This voluntary program allows you to access medications at a more affordable rate.
It also provides insurance against catastrophic drug costs.
We represent the following companies: United Healthcare, Blue Cross Blue Shield of Illinois, Cigna, WellCare, Humana.
Term life Insurance offers competitive premiums as it only covers specific periods of time.
Clients select the term length they need as well as the coverage, or face, amount of the policy.
For example, a client can choose a 25-year term life policy, in order to maintain your family's standard of living until your children are out of school.
Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value.
The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change.
Clients select the term length they need as well as the coverage, or face, amount of the policy.
For example, a client can choose a 25-year term life policy, in order to maintain your family's standard of living until your children are out of school.
Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value.
The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change.
Final expense insurance, also known as "burial" or "funeral" insurance, is a life insurance policy with a low face value.
Final expense insurance, also known as "burial" or "funeral" insurance, is a life insurance policy with a low face value, from $2,000 to $50,000, that you can buy when you reach 50.
Policyholders can name any beneficiary, typically a family member, who would make the claim and receive the money upon the policyholder's death.
The beneficiary is then responsible for using the money to carry out the policyholder's wishes.
Final expense insurance, also known as "burial" or "funeral" insurance, is a life insurance policy with a low face value, from $2,000 to $50,000, that you can buy when you reach 50.
Policyholders can name any beneficiary, typically a family member, who would make the claim and receive the money upon the policyholder's death.
The beneficiary is then responsible for using the money to carry out the policyholder's wishes.
Long-term care insurance could be one of the most valuable tools for protecting your financial assets in retirement.
For seniors with failing health, chronic disease, mental illness, or disability, the cost of healthcare during retirement can be devastating.
The cost of professional care can quickly drain a lifetime of savings, even going so far as to bankrupt some seniors.
Long-term care insurance helps cover the cost of assistance without depleting your assets.
For seniors with failing health, chronic disease, mental illness, or disability, the cost of healthcare during retirement can be devastating.
The cost of professional care can quickly drain a lifetime of savings, even going so far as to bankrupt some seniors.
Long-term care insurance helps cover the cost of assistance without depleting your assets.
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