LIFE-ANNUITIES-DISABILITY-LONG TERM CARE-MEDICARE
1-352-399-4943
We help build and protect financial futures.
Call us today for a quote 352-399-4943
HOURS & LOCATION
Winterwoods Business Complex
2760 SE 17th Street, Building 500
Ocala, FL 34471
Tel: 352-399-4943
Fax: 352-629-4780
Hours
Monday - Thursday
8:30 am to 5:00 pm
Friday
8:00 am to 4:30 pm
Saturday: By Appointment Only
Sunday: Closed
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ANNUITY
People are living longer and that means more time and savings will be spent in retirement. If you need a tax-deferred investment to provide a guaranteed 1 stream of income for life or a specified number of years, it might be worth considering an annuity. An annuity is a contract between an insurance company and an annuity owner. In exchange for a purchase payment, or series of payments, the insurance company guarantees 1 to pay a stream of income in the future.
LONG-TERM-CARE INSURANCE
For most of us, it is unpleasant to envision a time when performing routine tasks may become difficult as the result of injury, illness or aging. If the time comes when you need substantial assistance performing daily tasks, it is unlikely you will want cost to be the primary decision-making factor for your long term care. Long term care services can be expensive, and costs generally continue to rise, but some Long Term Care policies offer a Return of Premium Rider, which will return all premiums paid to your beneficiary if the Long Term Care benefit have not been used. Planning early can help ensure that you have more control in receiving the type of care you want — in the setting you choose, should the need arise.
LIFE INSURANCE
Life insurance can be the foundation of your financial security and can provide comfort and stability for your family. The purpose of life insurance is to help provide your loved ones with financial protection after you die, in exchange for the premiums you pay to your insurer during your lifetime. There are several life insurance policies to choose from. Certain life insurance policies can provide you with financial protection for the short term, some policies accumulate cash value, offering a living benefit that can be used for supplemental retirement income, funding for a child's education, or cash for emergencies. Other life insurance policies offer Long Term Care Riders which allow for Long Term Care expenses should you ever need them.
DISABILITY INCOME
A sudden interruption of income-due to an extended period of sickness or injury-can have serious financial consequences for many of today's employees. If you are lucky, you may receive group long term disability benefits through your employer. However, you will need to make sure the benefits available through your group long term disability coverage are adequate for your needs. Group long term disability benefits are taxable if your employer pays the premiums, may be capped at a relatively low amount, and may not cover variable income such as bonuses or commissions. As such, these benefits may not be enough to maintain your lifestyle or pay all your bills if you become too sick or injured to work.
MEDICARE SUPPLEMENT AND MEDICARE ADVANTAGE PLANS
A Medicare Supplement plan is a private insurance policy that can help pay for some of the health care costs that Medicare doesn't cover. This can include out-of-pocket expenses such as copayments, coinsurance and deductibles. Medicare Advantage Plans pay additional expenses that Medicare and Medicare Supplements do not. For instance: dental, vision and hearing expenses. Unlike Medicare Supplements, Medicare Advantage Plans generally have no premium.
Easily find an affordable health plan by clicking one of the following links:
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