Marsha Morris Insurance is an independent insurance agent that offers a variety of coverages and solutions. With years of experience we are dedicated to providing personalized plans to suit your needs and your budget. We work with the top insurance companies so we can offer our clients the best coverage for them. Our clients are located all across Kentucky and Tennessee giving us a great feel for the insurance landscape.
We design plans with a focus on compliance, low costs, and tax-efficiency, which we combine with personalized insurance advice aimed at helping clients make better informed decisions.
We design plans with a focus on compliance, low costs, and tax-efficiency, which we combine with personalized insurance advice aimed at helping clients make better informed decisions.
Services
Medicare Part A covers your hospital expenses.
This includes hospital stays, skilled nursing care, hospice, and home health-care services.
You may have to pay various deductibles, coinsurance, and copayments.
You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters).
If you did not earn Part A, you will pay a premium.
Medicare Part B covers services that treat illnesses or conditions such as doctor's office visits, lab work, x-rays, and outpatient surgeries.
It also covers preventive services like cancer screenings and flu shots.
This includes hospital stays, skilled nursing care, hospice, and home health-care services.
You may have to pay various deductibles, coinsurance, and copayments.
You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters).
If you did not earn Part A, you will pay a premium.
Medicare Part B covers services that treat illnesses or conditions such as doctor's office visits, lab work, x-rays, and outpatient surgeries.
It also covers preventive services like cancer screenings and flu shots.
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.
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.
The typical Short-Term Care insurance (STCi) policy provides coverage for 1 year or less.
For many people, this is a very appropriate and affordable amount of coverage.
It is true that some long-term care claims last for many years, however, almost half (49%) of long-term care insurance claims LAST ONE YEAR OR LESS.
The majority of policies have a 0-day deductible (Elimination Period) and a full year of benefits.
Simply, that means the policy pays on the very first day one qualifies for benefits.
For many people, this is a very appropriate and affordable amount of coverage.
It is true that some long-term care claims last for many years, however, almost half (49%) of long-term care insurance claims LAST ONE YEAR OR LESS.
The majority of policies have a 0-day deductible (Elimination Period) and a full year of benefits.
Simply, that means the policy pays on the very first day one qualifies for benefits.
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