05/22/2023
What is a broker? A broker is someone who works with many carriers to offer the best solutions to the client. Agents on the other hand have a smaller list of options. They work only for one company and they can only try and match the plans they have to their clients. So what all I can do for you?
#1) Medicare: I work to help clients who are new to medicare or even those that are currently on Medicare. I will walk someone through all the steps in signing up. We then review your options annually to make sure that you stay on the best plan.
#2) Under 65 health insurance: I work with anyone from a baby to someone 64 to help them find options for their needs. This can be a self employed person who doesn’t have the options for health insurance to a someone whose corporate benefits are too expensive. Many clients come to me asking for help with their spouses/kids because insuring them on corporate plans is just too expensive.
#3) Life insurance: Most people don’t either have life Insurnace or don’t have enough life Insurance. Whether you need a simple term product, final expense, or want a whole life policy we can work to find you the best match to what you want/need. I am licensed with many companies and have an entire back office team to help us get the best rates/solutions for what you want/need.
#4) LTC: Long term care insurance isn’t something we want to discuss. However, mental health issues become more prevalent with seniors, LTC is becoming more and more important. Many seniors bodies outlive their minds. There are two basic types of LTC insurance. One is a simple LTC plan and the second is a LTC rider on a life Insurnace policy.
#5) Annuities: There are many financial advisors who don’t like the idea of an annuity. The reason being is they don’t get to charge you to manager them. Annuities offer many benefits such as your retirement money won’t ever decrease. It can only increase. This is regardless of what the stock market is doing.
#6) Supplements: I offer Dental, vision, hearing, cancer, heart, and stroke plans as well as many other types of hospital plans. The cancer and heart plans can ensure that if you have one of these events that you don’t go bankrupt paying for it. This even goes for those on medicare. It can still get expensive.
If you have may questions, just call, text or email me. I am here to help and give you any answers you may want.