Here is a list of the most popular options offered and a brief description of each. If you would like to know more please call 281-446-4658 or send us an email request and we will
be happy to discuss your options with you in greater detail.
Good News for tobacco users! If you use tobacco products; pipe, cigar, chew or dip, anything EXCEPT CIGARETTES, we can get you NON-Tobacco rates for life insurance.
Final Expense
The average funeral cost is at least $7,500.00. A final expense policy can pay for $3,000.00 up to $50,000.00. This policy will provide the needed capital for the funeral and related expenses. Also, it can be used to pay off lingering debts so that this burden is not left to loved ones.
Medicare Supplements
Commonly referred to as Medigap coverage. It pays what medicare does not cover; deductible, co-insurance, and copayments. It is NOT a Mediare Advantage Plan (i.e. HMO/PPO). Medigap plans are governed by federal and state laws requiring insurance companies to adhere to a strict ruleset for offering these options, usually denoted by the letters A - N. So most companies will carry the same basic plan but at different prices and some may include additional benefits.
Medicare Advantage
Also known as Part C or MA-PDP. These plans are offered through Medicare-approved private insurers and include healthcare coverage beyond original Medicare. Choices include HMO, HMO-POS, PPO, SNP (C-SNP, D-SNP, I-SNP), PFFS, and MSA. Most of these plans offer extra benefits such as dental, vision and hearing, transportation, flexible spending accounts, and more. Almost all Medicare Advantage plans include Part D coverage. It is imperative to review the benefits of these plans and check the networks and formulary for doctor and prescription availability.
Dental Vision and Hearing
Do you like having teeth and seeing and hearing clearly? Don't neglect this often-overlooked insurance. There are many options available that offer great benefits.
Life Insurance
Life insurance is a great option and can be used in many circumstances like paying off the mortgage and creating an immediate estate for heirs. Proceeds from a life insurance policy are TAX-FREE and can be used to cover estate tax. A policy can even be purchased WITHOUT USING YOUR OWN MONEY. This is referred to as Premium Financing. Another use would be to sell the policy to provide immediate funds in an emergency situation, commonly referred to as a viatical settlement.
Hospital Indemnity
Most major medical healthcare plans require out-of-pocket costs for specific types of treatment or hospitalization. With a Hospital Indemnity plan, lump sum cash payments are made to you or the healthcare provider to help cover those costs.
Critical Illness
Heart attack, Stroke, and Cancer can consume a lot of a person's resources, even with insurance. Do you have a family history of such illnesses? This type of plan provides financial support in this critical time of need. Funding from these policies can help pay for expenses other than medical, such as transportation, meals, hotel stays, and more.
Annuities
Annuities offer financial security and can be set up in numerous ways and are commonly used to provide guaranteed lifetime income.
Long Term Care
Long Term Care includes medical and non-medical care for people with a chronic illness or disability. A surviving spouse can retain only a limited amount of assets without a long-term care policy if such care is needed. However, a Long Term Care policy will protect your assets in this situation and provide the needed care for the loved one.
Supplemental Insurance
Provides additional income when needed. Applies to in-hospital care, nursing home, home health care, and diagnosis for cancer. Funds from these policies are paid directly to you and can be used for out-of-pocket expenses not covered by other policies.