What We Offer

Annuities

An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. You buy an annuity by making either a single payment or a series of payments. Similarly, your payout may come either as one lump-sum payment or as a series of payments over time.

People typically buy annuities to help save for retirement or manage their income in retirement. Annuities provide three things:

Periodic payments: For a specific amount of time. This may be for the rest of your life, or the life of your spouse or another person.
Death benefits: If you die before you start receiving payments, the person you name as your beneficiary receives a specific payment.
Tax-deferred growth: You pay no taxes on the income and investment gains from your annuity until you withdraw the money.

Life Insurance

Life Insurance (love insurance) provides the opportunity to provide and protect the people you love the most. In the event of your death, life insurance ensures your family's lifestyle will not be negatively impacted. Also, life insurance can help you leave a legacy that will endure for many generations to come.

Life insurance comes in either temporary or permanent coverage options that will give you peace of mind at a very affordable cost. Lastly, your policy could come with living benefit riders that gives you the ability to access cash from your policy while you are alive in the event you are diagnosed with a Chronic, Critical, or Terminal Illness. This brings an added value and additional security for you and your family.

Final Expense

Final expense (burial) insurance is a whole life insurance policy that pays a small death benefit, typically, between $2,000 to $50,000. Final expense policies offer simplified underwriting for faster approval and is very affordable. Final expense coverage is common for people who are older (50+) and starting to think about funeral cost and do not want to leave a financial burden on their spouse and/or kids in the event of their death. Also, for older adults who may have significant health issues that could prevent them from getting coverage, most carriers offer guaranteed issue final expense coverage regardless of your health conditions to give you a level of comfort.

Medicare Supplement

Medicare Supplement (Medigap) insurance is private health insurance specifically designed to help pay some of the health care cost that the Medicare program may not cover such as coinsurance, copays, or deductibles. Without a supplemental policy to help cover expenses not covered by Medicare, those expenses can add up significantly. A Medicare supplement policy is valuable in keeping out-of-pocket cost under control, added flexibility, and can help set your mind at ease. In addition, you can also add prescription drugs, vision, and dental coverage options as well.

Dental Insurance

Maintaining good oral health and preventing dental problems before they happen is important to staying healthy. Dental insurance helps you manage the cost of dental care so you can maintain your overall good health and know what your out of pocket cost will be. Most dental insurance covers three components:

Preventative Care such as cleanings and X-rays.
Basic Services such as fillings and simple teeth extractions.
Major Services such as crowns and root canals.

Power of Attorney

A Power of Attorney allows you to authorize another person to legally make medical and/or financial decisions on your behalf in the event you are incapacitated. These legal decisions can include bank transactions, credit transactions, payment transactions, real and personal property transactions, hiring authorizations with regards to nurses and physicians, as well as many other capacities for your medical care. The primary benefit of a properly executed Power of Attorney is that you avoid potential family indifferences and avoid petitioning the court for these powers which leads to quicker decision making.

Vision Insurance

Vision insurance is a type of insurance that can help you manage the costs of eye care and eyewear. It provides coverage for various vision-related services and treatments, such as routine eye exams, glasses, and contact lenses — helping to reduce out-of-pocket expenses.

Disability Insurance

Disability insurance covers most common injuries or sicknesses, like chronic pain or cancer, whether or not they are workplace related. It can also help replace a large portion of your income, so you don’t miss out on your paycheck if you can’t work. According to the Social Security Administration, 1 in 4 of today's 20-year-olds will be disabled by the age of 67.

Long-Term Care Insurance

Long-term care insurance is designed to cover the costs of nursing home care, assisted living, or care to remain in comfort of your own home to name a few which can be several thousand dollars each month. Long-term care is usually not covered by health insurance and Medicare covers very few long-term care expenses. Long-Term care insurance is traditionally geared to an older population (55+), but should strongly be considered for younger people as well due to higher risk of being involved in serious accidents that may require long-term care.

Supplemental Health

Supplemental Health plans help protect a person from high out of pocket expenses due to an accident, illness, or hospitalization that major medical plans may not cover. These plans pay a lump sum and/or daily benefit that can be used towards co-pays, co-insurance, deductibles, or loss of income.

Will and Testament

A Will and Testament is a document that legally states how you would like for your property to be divided upon your passing. This helps greatly in speeding up the probate process and minimizes families engaging in an expensive and/or time consuming legal battle over your possessions. A Will and Testament is necessary regardless of if you feel you have something to pass on or not. Also, if you are concerned with your life circumstances that may change, then you can amend and/or replace your Will and Testament, if you feel its necessary.

Notary

A Notary is a public official appointed by a state government (i.e. Texas) to help deter fraud. Responsibilities include witnessing the signing of important documents and verify the identity of the signer(s), their willingness to sign the documents, and their awareness of the contents of the document or transaction. Some of these documents include, power of attorney, wills, loan contracts, deeds, and affidavits to name a few.

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