Langley Insurance & Financial Enterprise PA

07/31/2024

Cigna Healthcare | 900 Cottage GroveHealthcare
Supplemental Benefits.

Contact L.I.F.E. for more information
Phone:1 407-801-1976 or Text and WhatsApp: (941) 457-2744 or Email: [email protected]

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Flexible Choice Cancer, Heart Attack & Stroke Insurance

NOTE: THIS POST CAN BE USED IN ALL STATES WHERE THIS PRODUCT IS OFFERED EXCEPT FOR ID, NM, UT, WA.

*Benefits received in excess of medical expenses may be considered taxable income. Consult your tax advisor.

Loyal American Life Insurance Company, PO Box 5700, Scranton, PA, 18505-5700.

This is a solicitation for insurance. An insurance agent/producer may contact you. This ad is designed as a marketing aid and is not to be construed as a contract for a Lump Sum Cancer policy or Heart & Stroke or Cancer policy. The full terms and conditions of coverage are stated in, and governed by, an issued policy and riders. The ad provides a brief description of the important features of policy form series LY-LSC-BA and LYLSH-BA and applicable riders.

THE LUMP SUM CANCER POLICY IS A CANCER ONLY POLICY. THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE.

All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group including Loyal American Life Insurance Company. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only.

© 2023 Cigna Healthcare. Some content provided under license.
967384

07/31/2024

Cigna Healthcare | 900 Cottage GroveHealthcare
Supplemental Benefits

Contact L.I.F.E. for more information
Phone:1 407-801-1976 or Text and WhatsApp: (941) 457-2744 or Email: [email protected]

Leaf image

Flexible Choice Dental, Vision & Hearing Insurance

NOTE: THIS POST CAN BE USED IN ALL STATES WHERE THIS PRODUCT IS OFFERED EXCEPT FOR UT.

*The disappearing deductible feature is only available on a $100 deductible.

Loyal American Life Insurance Company, PO Box 5700, Scranton, PA 18505.

This is a solicitation for insurance. An insurance agent/producer may contact you. This ad is designed as a marketing aid and is not to be construed as a contract. The full terms and conditions of coverage are stated in, and governed by, an issued policy and riders.

THIS POLICY AND RIDERS PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE.

All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group including Loyal American Life Insurance Company. Forms series LY-DVH-BA and In FL: LY-DVH-BA- FL, In LA: LY-DVH-BA-LA, In MA: LY-DVH-BA-MA, In MN: LY-DVH-BA-MN, In MO: LY-DVH-BA-MO, In OK: LY- DVH-BA-OK, In OR: LY-DVH-BA-OR, In SC: LY-DVH-BA-SC, In SD: LY-DVH-BA-SD, In TN: LY-DVH-BA-TN, In TX: LY- DVH-BA-TX, In VT: LY-DVH-BA-VT, In WY: LY-DVH-BA-WY, In WV: LY-DVH-BA-WV.

The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used strative purposes only.

© 2023 Cigna Healthcare. Some content provided under license.
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Privacy Policy | Legal Disclaimer

09/12/2023

Do you know your A, B, C, Ds of Medicare? While they don’t really go to the tune of Twinkle Twinkle Little Star, they are crucial to know. Part A: Covers hospital visits, hospice care, certain skilled nursing care. Part B: Covers doctor visits, outpatient services. Part C: Medicare Advantage (MA), the private version of federal Medicare. Covers what Medicare covers, plus prescription drugs, vision/dental in some plans. Part D: Covers prescription drugs. Now you know your ABCDs of Medicare. Next time won’t you…help me think of a cutesy song to make these easier to remember?

For more information contact Langley Insurance & Financial Enterprise PA to speak to a Licensed Insurance agent at 407-801-1976 or email us at [email protected]

09/12/2023

Send a message to learn more

09/08/2023

Seniors Can Save On 2024 Prescription Drug Costs

Area seniors have a once-a-year opportunity to review their Medicare drug plan coverage and make changes for the coming year. Medicare's Annual Enrollment Period begins October 15 and lasts for only 54 days ending December 7, 2021.
"Far too few area seniors take advantage of the opportunity," says Euphemia Evans-Campbell an “independent insurance agent” with L.I.F.E. agency located in Riverview, Florida. "The reason to do a drug plan review is to make sure you get the best 2024 coverage that saves money on prescription medications, plan premiums, and other out-of-pocket costs."
Recent studies reported by the American Association for Medicare Supplement Insurance found that seniors who reviewed and switched their Medicare drug plan coverage typically saved. "Drug plans change each January 1, which is why Medicare gives seniors a chance to find better coverage for the coming year," explains Jesse Slome, director of the organization Medicaresupp.org. "According to the study, the typical annual savings for seniors who switched this past year ranged from between $200 and $700."
To help area seniors compare their Medicare Drug Plan options during AEP Evans-Campbell is offering free reviews. To arrange a Medicare Drug Plan evaluation during AEP call Evans-Campbell at 407-801-1976 or 941-457-2744. The deadline to schedule and take advantage of the evaluation is November 30, 2023.

09/08/2023

Get The Most Out Of Medicare's 2023 Open Enrollment

The annual Medicare Open Enrollment begins October 15 and runs through December 7 (2023). During this time seniors are given a singular opportunity to reassess their coverage and consider options for 2024.
"Even if you are happy with your current Medicare plan, it generally pays to review your plan during Medicare Open Enrollment," explains Euphemia Evans-Campbell an “independent insurance agent” with L.I.F.E. agency located in Riverview, Florida.
"Medicare plans can change and so can your healthcare needs and preferences," shares Jesse Slome, director of the American Association for Medicare Supplement Insurance (AAMSI), a national trade organization. "Medicare’s Annual Enrollment is generally the best time to review and get ready for the next year. But act early because local Medicare insurance professionals are busiest during this time of the year."
More than half (51%) of American seniors will be enrolled in Medicare Advantage plans in 2023 according to AAMSI. That’s up from 19% in 2007. “The average Medicare beneficiary in 2024 can have 40 or more local Medicare Advantage plans to choose from,” Slome notes. “That’s the largest number of options ever and a reason to consult a local Medicare professional.” Getting better Medicare plan coverage and lowering costs are the primary reasons to take advantage of the yearly plan review opportunity. "If you miss the December 7th deadline, you'll most likely have to wait a full year before you can make changes to your plan coverage," explains Evans-Campbell.
Here are three important things every Medicare beneficiary can do during Medicare’s Annual Enrollment Period:
1. Review Your Plan Notice. Be sure to read notices you receive from your Medicare plan about changes for next year. Especially look for changes that can impact coverage for drugs you take.
2. Think Ahead for 2024 Needs. Consider any health changes that took place in 2023. Think ahead for what health conditions might need addressing in the year ahead? Will another Medicare plan offer better coverage options? Can you reduce costs by choosing another plan?
3. Ask About New Benefits That May Be Free. A significant number of Medicare plans now offer dental and vision benefits. Some offer free gym or health club benefits. These are valuable no-cost benefits but the terms and provisions can vary from one plan to another.
"Medicare's Annual Enrollment only lasts 54 days a vital time period to review and make decisions that last a full year," shares Evans-Campbell. For a no-cost review and comparison of 2024 Medicare plans available locally call Evans-Campbell at 407-801-1976.

Send a message to learn more

08/22/2023

Finding the right Life and Health Insurance products can be challenging in today’s insurance environment.



Langley Insurance & Financial Enterprise offers a complete line of individual health and life insurance products that are crafted to meet your and your family’s specific needs. We work with several different top-rated insurance companies and will place your account with the insurance company that will provide you with the coverage and benefits you want.

08/22/2023

We offer event insurance coverage with cannabis accommodation. This event policy will meet or exceed all of the regular coverage requirements of most venues - including property damage and bodily injury - while also allowing you to serve or sell cannabis to your attendees.

Please be aware that insurance carriers have to abide by federal law, which means claims arising from cannabis-related incidents won’t be covered. You will need to take the necessary precautions to make sure your attendees have a safe experience.

If cannabis or cannabis-related products will be at your party, trade show or conference, then We can help.

Event & General Liability Insurance Coverage


What is event insurance?
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Event Insurance is a General Liability policy designed to protect the event holder from most claims of guest or spectator injury or property damage arising from the event. This type of coverage is often required from the venue.

Venues and event sponsors may require that they are named as Additional Insureds on the policy to protect themselves from the event holder’s actions. Host Liquor liability is often included in Event Liability Insurance should the insured be liable for damage or injury as a result of alcohol at the event.

Vendors, exhibitors or service providers may also be required to have Event Liability Insurance to be at the event. Event Liability Insurance is a great option for them if they don’t already have coverage through their Business Owner’s Policy.

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We offer low-cost insurance with superior coverage and support for thousands of events.

Our guarantee

Our insurance fits 99.95% of the venue's requirements.

In the very rare case that it does not, we will refund your entire policy.



Click here to see a sample certificate of insurance.



Better Policies, More Coverage

Our general liability insurance covers

Bodily injury for your guests

Most lawsuits from your guests

Property damage to your event location

Host Liquor Liability



How our policies are better



No Location Limitation

Your event is covered regardless of where it takes place.

Hired-Auto Coverage Available

We offer additional coverage that extends to a hired or non-owned vehicle used at your event.

Retail Liquor Coverage Available

Coverage is available if you will be selling or professionally serving alcohol.

Free Setup & Teardown

Make sure you add any setup & teardown days to your policy for no additional cost.



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Special Event Program

Athletic Event Program

Obstacle Race Program

Hole in One Program

Event Planner Professional Liability Program



Special Event Program

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Limits up to $2,000,000 occurrence / $3,000,000 aggregate.

Covers events with up to 5,000 attendance.

Retail liquor coverage is available.

Waiver of Subrogation / Primary Wording available.

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Athletic Event Program

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Athletic Participant Coverage.

Covers events with up to 5,000 attendance.

Waiver of Subrogation / Primary Wording available.

Hired & Non-owned Auto Included.



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Event Planner Professional Liability Program

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E&O Limits up to $1,000,000

GL Limits up to $1,000,000 occurrence / $2,000,000 aggregate.

Waiver of Subrogation / Primary Wording available.

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Cannabis Event Program

What if I provide cannabis or have a cannabis vendor,
like a budtender, at my event?