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Medicare is health insurance for people aged 65 or older, people under age 65 with certain disabilities, and-or people of any age with End-Stage Renal Disease, or ESRD (permanent).
Final Expense
Designed for individuals aged 65 and older, our Simplified Issue Whole Life Insurance offers smaller face amounts, typically ranging from $5,000 to $25,000. These policies are not fully underwritten, allowing for a quick and hassle-free issuance process without the need for medical exams or detailed medical records. Additionally, we offer true guaranteed issue plans, ensuring coverage is available without any health questions.
Life Insurance
Designed for individuals aged 65 and older, our Simplified Issue Whole Life Insurance offers smaller face amounts, typically ranging from $5,000 to $25,000. These policies are not fully underwritten, allowing for a quick and hassle-free issuance process without the need for medical exams or detailed medical records. Additionally, we offer true guaranteed issue plans, ensuring coverage is available without any health questions.
Life insurance provides a lump-sum payment either upon the death of the insured person or after a specified period.
Annuities
Annuities are financial products designed to provide a steady income stream, typically used as part of retirement planning. They are contracts between an individual and an insurance company, where the individual makes a lump-sum payment or series of payments. In return, the insurance company agrees to make periodic payments to the individual, either immediately or at some point in the future.
Long Term Care
Long-term care (LTC) encompasses a variety of services designed to meet a person’s health and personal needs over an extended period. It’s typically for individuals who can no longer perform essential daily activities, often due to chronic illness, disability, or aging.
Short Term Care
Short-term care refers to a temporary range of medical and/or personal care services provided to individuals who need assistance recovering from an illness, injury, surgery, or other medical event. The goal of short-term care is to help the individual regain their independence and return to their normal daily activities as soon as possible
Dental
Designed to cover a portion of the costs associated with dental care. It’s a financial tool that helps individuals and families budget for routine preventive care as well as unexpected dental expenses.
Add Ons
Ancillary products, in the insurance context, are additional insurance products or benefits that are not part of the main or core insurance policy
Underage Health Products
Underage health products refer to a range of healthcare items and services specifically designed to meet the medical and wellness needs of children and adolescents, typically those under the age of 18.
