J&B Insurance Specialists is a life and health insurance broker licensed in California and Maryland. We help those with high health risks acquire life insurance, individuals enroll in Medicare, and families strategize a plan for college funding. You purchase life insurance for a specific time period, which may be anywhere from 5 to 30 years. Premiums are paid for the entire length of the policy; once the term expires, so does the policy.
If you pass away before the term ends, the policy pays a death benefit to your beneficiaries. Generally, term life is the most affordable type of life insurance when it comes to costs. Premiums are based on your health and the amount of coverage you choose. The younger and healthier you are, the cheaper the coverage is likely to be. Your premium and death benefit will not change for the entire length of the term, whether that is 10, 20, or even 30 years.
The death benefit remains unchanged throughout the term, but the contract renews annually, usually with an increase in premium each year.
If you pass away before the term ends, the policy pays a death benefit to your beneficiaries. Generally, term life is the most affordable type of life insurance when it comes to costs. Premiums are based on your health and the amount of coverage you choose. The younger and healthier you are, the cheaper the coverage is likely to be. Your premium and death benefit will not change for the entire length of the term, whether that is 10, 20, or even 30 years.
The death benefit remains unchanged throughout the term, but the contract renews annually, usually with an increase in premium each year.
Services
My name is Bonnie Newland and I am J&B Insurance Specialists but I'm not alone.
What I mean by that is I have a team of professionals at my beckon call to service my clients if needed.
I started out in this business back in 2012 helping Seniors with Medicare options and their retirement strategies.
I loved working with my clients but the company I was with was very limited to what I can provide.
Knowing every clients needs are different, I could not provide that kind of tailored services that they needed.
What I mean by that is I have a team of professionals at my beckon call to service my clients if needed.
I started out in this business back in 2012 helping Seniors with Medicare options and their retirement strategies.
I loved working with my clients but the company I was with was very limited to what I can provide.
Knowing every clients needs are different, I could not provide that kind of tailored services that they needed.
There are different types of Life Insurance.
The kind of Life insurance you should get should be determined by your goal.
If you have no desire to have supplement retirement tax free income then that strategy is not for you.
There are better options.
If you only want coverage for certain period of time then term policy is the best option.
You qualify for Medicare, now what?
You can search on the internet, ask friends and family or anybody that might have an idea because they are in the Medicare system themselves.
The kind of Life insurance you should get should be determined by your goal.
If you have no desire to have supplement retirement tax free income then that strategy is not for you.
There are better options.
If you only want coverage for certain period of time then term policy is the best option.
You qualify for Medicare, now what?
You can search on the internet, ask friends and family or anybody that might have an idea because they are in the Medicare system themselves.
J&B Insurance Specialists offers Medicare insurance to clients in California and Maryland.
Medicare is a federal health insurance program that pays for a variety of health care expenses.
It's administered by the Centers for Medicare & Medicaid Services (CMS), a division of the U.S. Department of Health & Human Services (HHS).
Typically, Medicare beneficiaries are seniors aged 65 and up.
You earn Medicare by working and paying your taxes for a minimum required period.
Even if you didn't work long enough to be entitled to Medicare benefits, you may still be eligible to enroll, but you might have to pay more.
Medicare is a federal health insurance program that pays for a variety of health care expenses.
It's administered by the Centers for Medicare & Medicaid Services (CMS), a division of the U.S. Department of Health & Human Services (HHS).
Typically, Medicare beneficiaries are seniors aged 65 and up.
You earn Medicare by working and paying your taxes for a minimum required period.
Even if you didn't work long enough to be entitled to Medicare benefits, you may still be eligible to enroll, but you might have to pay more.
J&B Insurance Specialists offers a range of travel insurance to clients in California and Maryland.
Whether you're vacationing abroad, working overseas, or living in a foreign land for a short or extended period, we have the right medical, life, dental, and disability insurance for you.
Short-term travel medical insurance for individuals, families and groups from 5 days to 2 years.
Long-term (1+ year) comprehensive worldwide medical insurance for individuals and families.
Comprehensive, employer-sponsored group health insurance for internationally assigned employees.
Whether you're vacationing abroad, working overseas, or living in a foreign land for a short or extended period, we have the right medical, life, dental, and disability insurance for you.
Short-term travel medical insurance for individuals, families and groups from 5 days to 2 years.
Long-term (1+ year) comprehensive worldwide medical insurance for individuals and families.
Comprehensive, employer-sponsored group health insurance for internationally assigned employees.
Affordable Health Insurance is sometimes challenging but working with the right agent it is possible.
We work with dozens of insurance companies to compare the best for your needs.
If we can't get you the best then we will find another agent or agency that can.
If you missed open enrollment you might still qualify by what they call Special Enrollment Period (SEP).
Any life changing events will entitle you to SEP.
Some of the requirements are listed.
Contact us and we can help to determine what you would qualify for.
We work with dozens of insurance companies to compare the best for your needs.
If we can't get you the best then we will find another agent or agency that can.
If you missed open enrollment you might still qualify by what they call Special Enrollment Period (SEP).
Any life changing events will entitle you to SEP.
Some of the requirements are listed.
Contact us and we can help to determine what you would qualify for.
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