Competition = Lower Costs
The insurance industry includes hundreds of different companies hoping to earn your business. It is a very competitive market and it pays to shop around for the very best plan to meet your needs. Whether you´re searching for Life Insurance, Annuities, IRA´s and other retirement strategies, you must be well-informed and well-advised to get the most out of your premium dollars. As an experienced and independent agent I represent multiple insurance carriers and I can assist you.
Medicare by itself has a high deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Let me guide you in sorting through the numerous Medicare options. I can also help you in choosing a Medicare prescription plan that includes your specific medications.
Long-Term Care and Final Expense Insurance
Long-Term Care Insurance gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.
Your family will always come first. You wouldn`t want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it`s absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.
Why Should You Call Me for Insurance?
Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another. But I am decidedly different.
Let´s face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. As an independent agent I am not employed by one particular company. Instead, I can select insurance products from among those companies that best address your unique concerns.
I promise to focus my attention on your benefit exclusively.
Please don´t hesitate to call me with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. There will never be a charge for our assistance or for a friendly, no-obligation chat. Ralph 602-390-8573