Annuities
An annuity is a contract between you and an insurance company in which you pay a premium or premiums in return for a consistent and reliable income stream to help you meet future financial needs. Fixed index annuities come in two types: immediate and deferred. Each offers a different level of risk and potential payout. Payments can be level or increase periodically for a fixed number of years — or until the ending of a life (or two lives). Although many annuities only offer future payouts, we also offer immediate annuities. Ask to have one of our licensed agents help you determine which option is best for your situation.
Final Expense and Burial Life Insurance Plans
Losing a loved one is difficult. Dealing with end-of-life costs can make it even more difficult. Common final expenses may include funeral or burial expenses, unpaid taxes or bills, travel costs, unpaid medical expenses, and other bills. With Final Expense coverage, a type of life insurance, you can get the funds you need and avoid drawing on precious savings or assets. Issue ages can range from 0–89, and some policies can be issued regardless of health questions between the ages of 50–75 in Missouri.* Reach out to learn what policies may benefit you and your loved ones.
*Benefits may be graded.
Home Health Care Health Insurance
Home Health Care Health Insurance offers you a benefit if you are recovering, convalescing or needing assistance with daily living activities (e.g., eating, dressing, bathing, toileting). Receiving care from a professional Home Health Care agency helps reduce the stress and burden on family members while providing you a higher level of dignity, modesty and privacy. Plus, the benefit enables you to enjoy the comfort, safety and security of sleeping in your own bed at home. We offer both long- and short-term programs through some of the industry’s most respected insurance companies. Let us help you plan to reduce future burdens on your family.
Long-Term Care
Although Medicare temporarily covers short-term skilled care if certain requirements are met, it generally does NOT cover custodial care (assistance with activities of daily living or cognitive impairment). A Long-Term Care policy ensures patients can receive quality care from nurses and aides at a nursing home, reducing much of the burden and responsibility for family members. It also helps avoid or delay the need for Medicaid (which is a needs-based program) and protects assets to preserve your estate. One of our licensed agents can help you learn more about plan options.
Additional Products
We proudly offer several insurance products that can ease the burden of future medical costs.
Hospital Indemnity Plans
These plans help you address unexpected expenses when hospitalized and are often paired with Medicare Advantage plans. Plan benefits may include providing you money to help defray out-of-pocket expenses for hospital (and other related) deductibles and co-payments. Benefits can be paid directly to the insured individual.
Cancer Expense Plans
A cancer diagnosis can be financially challenging. Many expenses related to cancer are nonmedical, such as loss of income or added home care. And added prescription costs can be overwhelming. With a Cancer Expense Plan, the insured can directly receive either lump-sum payments or scheduled payments upon diagnosis and treatment of cancer. Benefits also can include reimbursement on many medical services and procedures associated with treatment, including travel.
Dental / Eyeglasses / Hearing Insurance
Original Medicare does not cover routine dental care, eyeglasses or hearing benefits. We can provide you with plans that offer various levels of benefits for procedures, eyewear, etc. Best of all, many plans can be used at the providers of your choice — no networks required.
