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![]() ![]() Here are some helpful hints to think about... Term Insurance is good life insurance. It is NOT expensive. It will NOT last a lifetime. Universal Life Insurance will last a lifetime, depending on how you feed the premium. Anyone age 50+ should look at Long Term Care Insurance. Do NOT wait until age 65! It is okay not to buy lifetime Long Term Care Insurance coverage. There are other less expensive plans that will give you good protection. Lifetime is best if you can afford it. A medical HSA (Health Savings Account) can reduce your premium substantially! When leaving your group insurance, always take your Dental plan as Cobra. It is hard to get good individual dental coverage. Unless you have a health problem, do NOT stay on Cobra longer than necessary. It will end. When it ends, if you have contracted a health problem, you will pay much more for your HIPPA medical insurance. Our office can help you with Medicare Supplemental insurance and Part D drugs from AARP, Blue Shield, Blue Cross, Pacificare, and Health Net. Seniors, you do not need to buy your Part D drug plan from the same company you buy your Medicare Supplement plan. We have a computer program to assess which Part D plan you should buy depending on the drugs you are taking. When you buy a Medicare Supplement plan F, you will be 100% covered and can go to any doctor, clinic, or hospital that accepts Medicare patients, regardless of which insurance carrier you signed up with. | Return Home | About | Novel/ Media Kit | Short Stories | Theater | Paintings | Business | Blog | Contact/ Links | Events | |
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