What is Life Insurance?
Until it is baptized with tears, a Life Insurance Policy is just a piece of paper.
Then it becomes a miracle…
It is food, clothing, shelter, education and peace of mind.
It is new hope, fresh courage and strength.
It is your hopes and dreams for your family.
It is the sincerest love letter ever written.
~Attributed to Jack Leterman, Depression Era Insurance Salesman
Term Life Insurance
There a many different types of Life Insurance, but Term Insurance is what most people choose while raising a family. Term insurance works exactly as the title states. The coverage is good for the term, 10, 15, 20, 30 years. When the term is over, the plan goes away, if you are still living. However, it is inexpensive, and you can choose high face values. So in the event of a untimely death, you can protect the ones you love by paying off the mortgage, supplementing a lost income, or covering future college expenses. As brokers we work to find you the least expensive coverage and work with many "A" or higher rated companies. Contact us one if us today for a quote. Mike 303-591-8788 or Andrea 303-699-2026.
Short Term Recovery Care
Many people believe that once they have Medicare, a Medicare Advantage Plan or a Medicare Supplement Plan, that they have Stop-Loss protection. However, this is not necessarily true.
Do you have Long Term Care Insurance? If so, you could be protected. If not, here are somethings you should consider.
What happens when you are relying on someone to take care of you? Do you have resources to cover an extended stay in a facility or home health care? Can your children afford these expense or take care of you?
It's hard to admit, but as you age, you are more likely to have a hip knee or back problems. You also have a bigger risk for heart attack or stroke. Extended care is usually needed in these situations.
Medicare DOES NOT PAY FOR:
* National Average Cost 2018 - https://www.genworth.com/aging-and-you/finances/costofcare.html
Skilled Nursing Facility Charges - Medicare Pays
Days 1-20 - You pay $0
Days 21 - 100 - You pay $170.50/Day (May be less depending on your health care plan)
Days 101+ You pay 100%!
Cost varies based on age, elimination period, per day benefit and lifetime maximum days. However you can gain some protection for as little as $50/month. Underwriting is One class rate, no family history question and cause of disability, if disabled. Applicants with that are insulin dependent diabetics, will be declined. Contact us for a quote.
To find out more about Medicare and your supplemental options you can read Medicare and You. Or contact us,local licensed sales agents, at 720-922-7888. You can also learn more by attending one of Our Events.
As your local licensed sales agents, we understand Medicare and we will work to make your choice as simple as possible. We work with all companies, so we help you find the company and plan that best suites your needs. Call for an appointment with either Mike 303-591-8788 or Andrea 303-699-2026. Find out more about us here.
WE LOOK FORWARD TO WORKING WITH YOU!!