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Insurance Frequently Asked Questions


Life | Health | Medicare |

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  • Who Needs And Can Benefit From Life Insurance?

    Most adults could benefit from having life some sort of life insurance. Families and Business owners can benefit from such policies for many reasons. Contac Us today to review your situation.

  • How Much Life Insurance Do You Need?

    Your life insurance needs will change over time. There is no one way to determine what your death benefit needs are. A good rule of thumb is a minimum of 10 times your annual income. This will change as you age and you may only need a final expense type policy. 

  • What type of payment methods do you accept?
    Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
  • Can Seniors Get A Life Insurance Policy?

    Seniors can find and purchase life insurance. They have Term and permanent options even into their 70's! Some policies you may need and an exam and others are fully guaranteed issue. Which means no exam and you will have some coverage. 

  • Can You Buy Life Insurance Over 80 With No Exam?

    Yes, most life policies at this age will not require an exam. You may be limited in your death benefit amount though. Also, the policy may be a graded death benefit. Call the office to review. 

  • What Is Final Expense Life Insurance Plans?

    Final Expense Life Insurance is a policy designed for seniors typically. It covers expense's when a loved one dies. Such as funeral expenses and debt. The policies can range from $2,000 up to $25,000 and $50,000 depending on the carrier and age of the insured. 

Medicare Frequently Asked Question

Here are answers to some common questions to Medicare.

  • What Is Medicare?

     It is a federal health insurance program specially built for people who are 65 years old or older. Certain younger people are diagnosed with disabilities and people with permanent kidney failure or end-stage renal diseases.

  • I’m a new enrollee. How do I sign up?

    Most people become eligible for Medicare if you’re 65 or turning 65 in the next 3 months and not already getting benefits from Social Security, you need to sign up to get Medicare Part A and Part B. 

  • Who's eligible for Medicare?

    You’re at least 65, or you’re under 65 and qualify based on disability or other special conditions. And if you’re a U.S. citizen or a permanent legal resident of at least 5 continuous years.

  • When is the Medicare Open Enrollment Period?

    During the annual open enrollment period which is October 17 to December 1, the enrollee can add, drop, or even switch to other Medicare coverage which the changes may take effect on January 1.

  • Do I have to sign up for Medicare again yearly?

    No, your coverage will be rolled over year to year unless you decide to change it or switch back to other coverage.

  • What is the Medicare Advantage Plan?

    Medicare Advantage Plan or Part C is also known as “all-in-one” coverage, an alternative to Original Medicare.

  • How much does Medicare cost?

     Medicare isn’t free, it requires monthly premiums, deductibles, and other cost-sharing for certain services.

  • Will there be a delayed enrollment penalty?

    Delayed enrollment of the Medicare program may charge you a penalty if you don’t enroll in certain programs or plans when you’re first eligible.

  • What is a Medigap (Medicare Supplement) plan?

    Is extra health insurance that is sold by private health insurance that helps fill the gaps in Original Medicare.



  • Is my doctor in-network?

     In-network doctors get the highest level of coverage. If you already selected a plan, the best way to make sure your providers are in-network is to call the insurance company directly. It’s a good idea to make sure your doctor is a participating Medicare doctor or since you have original Medicare you can usually find and choose any doctor that is enrolled in Medicare to avoid paying higher costs.


  • Will my coverage be cut off when I grow old?

    No! Your Medicare coverage is based on medical necessity, not age plus it is a federal health insurance program. So even if you’re turned 90 or 100 you medicare is here to pick up most of the cost in the usual way.


  • Will I be able to enroll even if it’s not an annual enrollment period?

    A special enrollment period is usually open and qualifies for those people who retire and lose employer coverage, move out of the plan’s service areas, eligible for Extra Help, and an individual who is diagnosed with certain qualifying chronic health conditions.


  • Can I use Medicare coverage, when I’m outside of the state?

    Can I use Medicare coverage, when I’m outside of the state? Original Medicare offers nationwide coverage to all members and beneficiaries, this means that you’re covered for out-of-state medical services. On the other hand, Medicare Advantage Plan offers coverage only for the state that you live in, though they also some offer in-network service out-of-state.


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