We provide families, individuals and businesses with Life Insurance of all types, Final Expense Plans, Employee Benefits, Executive Benefits (Buy-Sell, Key Person), Fixed and Equity Indexed Annuities (Deferred & Income), Health Insurance, Medicare Plans, Long Term Care and Retirement & Estate Planning. Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly.
Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-earned assets.
Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-earned assets.
Services
Patrick is local Independent agent with 26 years experience in the industry and available through email, face to face contact or phone to assist you with your insurance needs.
Here at CapitalWise with over 50 top rated companies to offer, it is our goal to provide excellent customer service as well as the best products on the market that are priced for every budget.
Whether you are looking for a Level Term policy, Universal Life, Indexed Universal Life, Whole Life or just a small policy for Burial & Final Expense, we have what you need coupled with a streamlined application process for the busy individual.
Here at CapitalWise with over 50 top rated companies to offer, it is our goal to provide excellent customer service as well as the best products on the market that are priced for every budget.
Whether you are looking for a Level Term policy, Universal Life, Indexed Universal Life, Whole Life or just a small policy for Burial & Final Expense, we have what you need coupled with a streamlined application process for the busy individual.
Buying insurance of any kind is often confusing.
In order to compare policies by price, you have to be sure that each policy carries the same benefits for the same amount, and figure in a dozen different factors.
It's enough to set your head spinning in most cases.
Term life insurance coverage can be relatively easy to comparison shop.
It simply covers you in the event that you die before the end of the term for which you are covered.
Term life insurance will pay out a specified lump sum to the person that you name as beneficiary in the event that you die before the policy expires.
In order to compare policies by price, you have to be sure that each policy carries the same benefits for the same amount, and figure in a dozen different factors.
It's enough to set your head spinning in most cases.
Term life insurance coverage can be relatively easy to comparison shop.
It simply covers you in the event that you die before the end of the term for which you are covered.
Term life insurance will pay out a specified lump sum to the person that you name as beneficiary in the event that you die before the policy expires.
One reason for choosing a life insurance policy is to figure how much your dependents will need after you're gone.
How much debt you have: All of your debts must be paid off in full, including car loans, mortgages, credit cards, etc.
If you have a $200,000 mortgage and a $4,000 car loan, you need at least $204,000 in your policy to cover your debts (and possibly a little more to take care of the interest as well).
Income Replacement: One of the biggest factors for life insurance is for income replacement, which will be a major determinant of the size of your policy.
How much debt you have: All of your debts must be paid off in full, including car loans, mortgages, credit cards, etc.
If you have a $200,000 mortgage and a $4,000 car loan, you need at least $204,000 in your policy to cover your debts (and possibly a little more to take care of the interest as well).
Income Replacement: One of the biggest factors for life insurance is for income replacement, which will be a major determinant of the size of your policy.
Part A Hospital Insurance - Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working.
Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care).
It also helps cover hospice care and some home health care.
Beneficiaries must meet certain conditions to get these benefits.
Part B Medical Insurance - Most people pay a monthly premium for Part B. Medicare Part B (Medical Insurance) helps cover doctors' services and outpatient care.
Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care).
It also helps cover hospice care and some home health care.
Beneficiaries must meet certain conditions to get these benefits.
Part B Medical Insurance - Most people pay a monthly premium for Part B. Medicare Part B (Medical Insurance) helps cover doctors' services and outpatient care.
As we age, the likelihood we will need some type of medical or personal care increases.
We may need long term care - a variety of services which help meet the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time.
Such services typically include assistance with normal daily tasks like dressing, bathing, and using the bathroom.
On average the need for long term care services lasts months or years, not weeks or months, and can be very expensive.
We may need long term care - a variety of services which help meet the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time.
Such services typically include assistance with normal daily tasks like dressing, bathing, and using the bathroom.
On average the need for long term care services lasts months or years, not weeks or months, and can be very expensive.
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