- Life InsuranceUniversal Life Insurance is your best product. Level premiums for life make this a sensible way to budget a sure source of financial protection.
- Health InsuranceMonth in which you turn 65 years of age. If you are still working at age 65 and have company medical benefits, Medicare becomes your secondary coverage to pick up the slack. If you are retired and have Major Medical Insurance, your Major Medical Insurance will cease at age 65 and Medicare will become your primary coverage. Medicare has deductibles and high co-payments referred to as Medi-Gaps. This is what Medicare Supplement cover. Medicare and private pay Medicare Supplements allow you to chose the doctor or specialist you want. The hospital of your choice and immediate Emergency Room treatment without needing a referral from a provider group like you do with the HMO’s.
- Disability Insurance
- Long Term CareLong-Term Care provides for the day-in, day-out assistance you need when a serious illness or disability renders you unable – physically or cognitively – to care for yourself for a lengthy period of time. Long-term care can be provided at home or at a nursing facility, assisted living or alternate care facility.
- Dental InsuranceMultiflex Dental Insurance Plans from Merchants Benefit Administration, Inc.are available with basic preventative care through minor and major dental procedures.
Services
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