Assisted Living & Long Term Care Costs

The latest 2017 report shows that Assisted Living, Home Health and Long Term Care costs continue to increase as shown below.

And, out-of-pocket medical expenses for seniors are averaging over $200K per person.

Please contact me for information on options to offset your out-of-pocket risk.


New Medicare Supplements

Several carriers introduced new Medicare Supplements on July 1st with lower premiums. Please contact me for quotations.

Published in: on July 6, 2017 at 3:13 PM  Leave a Comment  

Safe Certificate of Deposit Alternative

Why are Fixed Indexed Annuities better than CD’s, Mutual Funds or a 401(k)?

CD AlternativeClick Here or go to

Reduce Your Financial Risk

Do you worry about your financial risk in case of Critical, Chronic or Terminal Illness?

Our unique Living Benefit Life policies can provide funds to eliminate your financial concerns.

Watch Video

In addition to a Death Benefit, our policies include 3 no cost riders that can accelerate up to 100% of the face value (depending upon severity of illness) in case of:

1. Critical Illness (Cancer, Heart Attack, Stroke, etc.)

2. Chronic Illness or Disability

3. Terminal Illness

Accelerated funds can be used for any purpose, including: Medical Deductible & Co-insurance, College Funding, Disability Income, Household Expenses, Long Term Care, Mortgage, Tax-Free Retirement Income, Travel, etc.

Life Insurance You Don’t Have to Die to Use!

Reduce Healthcare Premiums 50%+


We have several Major Medical alternatives to ACA/Obamacare plans that can reduce premiums 50% or more, if you do not have serious medical conditions.

ACA/Obamacare is imploding and premiums are increasing 54% to 122% in January, And, there are only 1 or 2 carriers available in most counties with limited HMO networks. In fact, most Individual Health Insurance policies issued since March 27, 2010 is being terminated effective December 31, 2016.

Click Here for additional information and quotations.

Please contact me if you have any questions or want advice on your best options.

O-Bomb-a-Care is Imploding!


Major Carriers are exiting the market, policies are being terminated and 2017 premiums are going to Skyrocket!

Schedule your preventive care, test procedures and any pending surgeries before December 31st.

Published in: on August 5, 2016 at 12:26 PM  Leave a Comment  

Carriers Exit ACA/Obamacare Market


Unfortunately, recent announcements bring some bad news regarding expected 2017 Healthcare changes.

Click Here for information on several major carriers that will cancel Affordable Care Act (ACA) Individual policies and suspend most sales in 2017.

Published in: on July 5, 2016 at 6:09 PM  Leave a Comment  

2 Guaranteed Lifetime Income Options


Click Here to View

10-Minute Rapid Issue Term Life

New Rapid Term Life Benefits:

  • 10-Minute Approval for Most Cases
  • Lowest Premiums Guaranteed
  • $50K to $1.0 Million Face Value
  • 10-30 Year Level Premiums
  • Simplified Issue (Ages 18-65)
  • Online Applications
  • A Rated Carrier

Click Here to watch video and contact me for quotations.Speed of Life Term

Published in: on June 21, 2016 at 4:36 PM  Leave a Comment  
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Humana Exiting PPACA Exchanges

In the midst of a pending merger with Aetna, Humana said it would cut its Patient Protection and Affordable Care Act (PPACA) losses by exiting certain states in 2017. The information was disclosed as part of its quarterly statement to shareholders. Humana offered no details, only announcing its intent to stop the PPACA insurance bleeding by having a lower profile in the exchange marketplace.

Published in: on May 5, 2016 at 12:40 PM  Leave a Comment