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Insurance Plus Medicare Advisors represents a carefully selected group of reputable, financially strong insurance companies, therefore, we can offer you the best coverage at the most competitive price. We are Independent Brokers, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. As independent brokers we are not tied to any one insurance company and work to satisfy your needs. One of the advantages of using an independent broker is you are using an expert for an important financial decision. Independent brokers has several companies that he or she can approach to get you the best coverage at the best price. Your independent broker will know the companies with the most efficient claims departments to recover your losses as quickly as possible. With an independent insurance broker, you have choices!
We will assist you with understanding your Medicare options so you can decide with confidence which options will best suite your needs. We will provide you with several plans to compare detailing all the cost to find you the lowest priced option to cover all your health requirements.
After selecting the option of your choice. We will assist you with the application process in one of four ways. In person, virtually, by phone or via email. We will also assist you with the submission of all required documents within Medicare’s guidelines and will continuously follow up with you after approval.
Medicare rates and rules change annually. We pride ourselves on continuous education, trainings, certifications and staying AHIP and HIPPA compliant. This allows us to stay current and to notify you of any negative changes to your current plan so we can make new arrangements for a change in coverage. Keeping you satisfied.
Please contact us if you cannot find an answer to your question.
A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.
Like whole life plans, most term life plans have a fixed premium and fixed death benefit. However, whole life provides benefits for the rest of the insured person’s life, whereas term life only lasts for a specific period of time. In addition, a whole life policy includes cash value, whereas a term life policy only includes the death benefit. On the other hand, term life has a lower premium per dollar of coverage and significantly larger death benefits are available.
In general, whole life is a highly affordable type of insurance, and the premium will never increase. Your premium takes into account your current age at the time of issue, your gender, and your death benefit amount. The Living Promise plan also takes health and tobacco use into account, but the Guaranteed Plus plan does not.
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