Harley Albers has been in the insurance business since 1970. He had started with a major Eastern US company and as changes in the insurance industry occurred, in 1979 he made the decision to become an Independent Agent-Broker. In 2000, Janelle Koelln joined the agency as a licensed agent. Albers Insurance has since expanded and better able to serve our clients.
By searching out the best products and companies, we can assist our clients based on their needs, interests and affordability. We encourage our clients to call our office with any future questions or concerns that they may encounter and whether or not they enroll in a plan directly with a company or through our agency the cost remains the same to you.
What you will get though, through our office is more immediate, personalized support. Our mission is to build lasting client relationships based on a level of trust that is earned through wise counsel, positive results, clear and candid communication, and service that exceeds expectations.
By searching out the best products and companies, we can assist our clients based on their needs, interests and affordability. We encourage our clients to call our office with any future questions or concerns that they may encounter and whether or not they enroll in a plan directly with a company or through our agency the cost remains the same to you.
What you will get though, through our office is more immediate, personalized support. Our mission is to build lasting client relationships based on a level of trust that is earned through wise counsel, positive results, clear and candid communication, and service that exceeds expectations.
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 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 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, Albers Insurance Agency 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, Albers Insurance Agency 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.
Final expense needs are usually covered with a whole life insurance policy.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
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.
In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments.
Usually the term "annuity" relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.
Many investments are taxed year by year, but the investment earnings-capital gains and investment income-in annuities aren't taxable until you withdraw money.
This tax deferral is also true of 401(k)s and IRAs; however, unlike these products, there are no limits on the amount you can put into an annuity.
Usually the term "annuity" relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.
Many investments are taxed year by year, but the investment earnings-capital gains and investment income-in annuities aren't taxable until you withdraw money.
This tax deferral is also true of 401(k)s and IRAs; however, unlike these products, there are no limits on the amount you can put into an annuity.
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