Medicare

Medicare is the federal health insurance program for

People who are 65 or older

Certain younger people with disabilities

People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

Long Term Care Insurance

Long-term care is the assistance people need when they can no longer perform basic activities of daily living, such as eating, bathing, dressing or taking medications.

A long-term care insurance policy is designed to help you pay for assistance with these types of activities. Long-term care needs typically arise as part of the normal aging process but can also be due to injury or illness, such as stroke or cognitive impairment like Alzheimer’s disease.

Long-term care covers care at home, assisted living facility, and nursing home.

Life Insurance

Universal life insurance provides all the benefits of traditional life insurance, Plus: Guaranteed death benefit up to a lifetime and the assurance that market conditions won’t affect your coverage. Flexibility to set the amount of your monthly premium. Flexibility to set the amount of your death benefit while the policy is in force (subject to underwriting approval) And Tax-deferred earnings.

Annuities

A financial vehicle designed to help you accumulate money for retirement, protect what you’ve saved, or turn your retirement savings into an income stream.