ACA - Marketplace

The Patient Protection and Affordable Care Act, referred to as the Affordable Care Act or “ACA” for short, is the comprehensive health care reform law enacted in March 2010.

Makes affordable health insurance available to more people. The law provides consumers with subsidies (premium tax credits) that lower costs for households with incomes between 100% and 400% of the FPL.

Good choice for people under 65 and those over 65 that are not on Medicare.

Check your eligibility!

MEDICARE SUPPLEMENT

These plans also known as Medigap, are a health insurance that helps pay for the out-of-pocket costs in  Original Medicare. These costs can include deductibles, coinsurance, and copayments. Some Medigap plans may also cover services that on Original Medicare are not, like medical care outside the U.S.

To buy a Medigap policy, you usually need to have Medicare Part A and Part B, and pay a monthly premium to both Medicare and the Medigap insurance company.

You could visit any doctor, anywhere in the US, as long as they take Medicare.

Plans designed to lower the costs of the dental, vision and hearing services.

Some of these plans would include the routine, preventive services at no extra out-of-pocket cost.

These plans supplements your health insurance coverage.

STAND ALONE SUPPLEMENTAL

Life Insurance

For individuals, family and business

TERM LIFE

A type of life insurance policy that has a specified end date, like 20 years from the start date. The death benefit will only be paid out if the insured dies during this time period.

• Lower Premiums.

• No cash value.*

• Conversion available from some carriers: Endowment, Permanent.

*Some carriers offer an optional return of premiums add-on to the policy.

WHOLE LIFE

A type of life insurance policy that  last for the entire life of the insured as long as the premiums are paid.

• Higher Premiums.

• Grows cash value.

• Living benefits.

• You can borrow or withdraw money from your policy cash value.

• Various riders could be added-on to the policy.

As a type of permanent life insurance, indexed universal life insurance cash value allows for growth based on a stock index (a set grouping of various stocks) instead of only through non-equity earned rates.

• Higher Premiums.

• Grows cash value.

• Living benefits.

• You can borrow or withdraw money from your policy cash value.

• Various riders could be added-on to the policy.

INDEXED UNIVERSAL LIFE