As with all insurance, life insurance plans are about preparing for the unexpected. We don’t plan to have a heart attack or meet an untimely end. We may fret about the unforeseen, but there are few ways to prepare for it. Life insurance provides a way to be prepared and get peace of mind.
The main reason to buy life insurance is for financial protection for your family and dependents. If you are the sole income earner or the major provider in your family, then life insurance definitely makes sense. If you should die unexpectedly, your policy will help your loved ones pay your final expenses and potentially receive ongoing support. The amount they receive will depend upon the size of policy you buy.
Contact Us Today For A Free Quote!
In its basic form, a life insurance policy provides death benefits and is designed to cover loss of income, end-of-life expenses, funeral costs and other financial needs that a family may have if you – the policyholder – should die unexpectedly.
While death benefits are often designated for funeral expenses and income replacement, life insurance is a very flexible type of coverage that can be used in numerous ways.
To get the most from Medicare — and your health care dollars — you need to carefully evaluate the costs and benefits of all of your plan options.
Open enrollment is the one time each year when you can make changes to your Medicare coverage.
Here are some questions to help you compare options and find the best plan for you.
1. How much will I have to pay for premiums, deductibles, doctor visits and hospital stays?
2. Will I have to choose hospital and health care providers from a network?
3. Will my doctors accept the coverage? If not, are there doctors near me who will?
4. Will I need referrals to visit specialists?
5. Will the plan cover me if I get sick while traveling in another state?
6. What will my prescription drugs cost?
7. Are my drugs on the plan's drug list (or formulary)?
8. Does the plan include the pharmacies I currently use?
9. Can I get my prescriptions through the mail?
10. Does the plan have a good quality rating?
Whether you are new to Medicare or are deciding if you should change plans during Medicare's Annual Enrollment Period, more commonly called Medicare open enrollment, you should gather information from a variety of sources.
Welcome to our new insurance agency blog!
This is our very first post. We're not quite sure what we're going to write about here, but the plan is to create helpful content for customers and prospective clients about information that is relevant to you.
We hope you'll come to view this as a top resource for keeping your family and your finances safe.
Here are a few of the topics we may be writing about: