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Medicare is health insurance for people aged 65 or older, people under age 65 with certain disabilities, and/or people of any age with End-Stage Renal Disease, or ESRD (permanent).

PART A
Hospital Insurance
Helps to cover inpatient care in hospitals. Also helps to cover skilled nursing facilities, hospices, and home health care.

PART B
Medical Insurance
Helps to cover doctors’ services, outpatient care, and home health care. Also helps to cover some preventive services to help maintain your health and to keep certain illnesses from getting worse.

PART C
Medicare Advantage Plus (HMO or PPO)
A health coverage option run by private insurance companies approved by, and under contract with, Medicare.

Includes Part A, Part B, and usually other coverage like prescription drugs.

PART D
Medicare Prescription Drug Coverage
A prescription drug option run by private insurance companies, approved by and under contract with, Medicare.

Annuities are insurance contracts in which the company promises to pay a stream of income, either now or sometime in the future. Annuities can give clients the stability they are looking for during their retirement years. Annuity benefits include protection of principal from market volatility, fixed interest growth, tax deferral, and a predictable guaranteed lifetime stream of income.

FIXED ANNUITIES
Interest is set by the insurance company for a period of time.

FIXED INDEX ANNUITIES
Interest is credited based on the change of an index, such as the S&P 500. Because money is not actually invested in the index, there is never a risk of loss due to market fluctuations.

IMMEDIATE ANNUITIES
With an immediate annuity or SPIA, the insurance company will begin a guaranteed fixed income payment within a year from the contract issue. The client can choose a guaranteed lifetime payment, or typically a payment as short as 5 years, depending on their personal goals.

Life insurance is a sum payment, either on the death of the insured person or after a set period of time. There are many types of life insurance and solutions available.

FINAL EXPENSE
Simplified Issue Whole Life insurance. Geared towards the 65 and older market, with smaller face amounts, (typically $5,000 to $25,000.) These types of policies are not fully underwritten, but rather a quick issue with no parameds or apps. True guarantee issue plans are also available.

INDEXED UNIVERSAL LIFE
Similar in nature to traditional universal life insurance. The biggest difference is how cash growth is accumulated. Instead of a stated interest rate, cash grows based upon the performance of a market index, such as the S&P 500.

LIFE INSURANCE WITH LONG-TERM CARE & CHRONIC/ CRITICAL ILLNESS WAIVERS
Life insurance for the living gives flexibility and cash when needed most during times of illness.

SINGLE PREMIUM FINAL EXPENSE
Simplified issue permanent life insurance available to clients up to age 85. Clients with a lump sum as low as $5,000 can pay a life insurance plan to help pay for burial expenses and pass on wealth fax-free.

TERM LIFE
Covers the client for a term, typically for 10 to 30 years. It does not build up any cash value. Typically sold as a cheap death benefit needed for a specific period of time.

UNIVERSAL LIFE
Flexible premium life insurance that can be structured to meet the goals and budgets of clients. Cash value is an option with universal life. Premium payments can be structured from one year to a lifetime.

WHOLE LIFE
Simplified issue permanent life insurance, available to clients up to age 85. Clients with a lump sum as low as $5,000 can pay a life insurance plan to help pay for burial expenses and pass on wealth tax-free. Geared towards the 60 and over market, due to its simplified issue underwriting. No parameds or apps are required.

Life insurance is a sum payment, either on the death of the insured person or after a set period of time. There are many types of life insurance and solutions available.

FINAL EXPENSE
Simplified Issue Whole Life insurance. Geared towards the 65 and older market, with smaller face amounts, (typically $5,000 to $25,000.) These types of policies are not fully underwritten, but rather a quick issue with no parameds or apps. True guarantee issue plans are also available.