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Medicare is a federal health insurance program designed for individuals aged 65 and older, as well as certain younger individuals with qualifying disabilities or conditions. Navigating Medicare can feel overwhelming, but we’re here to make it simple. Our goal is to help you understand your options and choose the right plan that fits your health needs and budget.
Medicare is divided into different parts, each offering unique coverage:
Most people are eligible to enroll in Medicare around their 65th birthday during the Initial Enrollment Period. There are also Special Enrollment Periods and Annual Enrollment Periods for making changes. Missing key deadlines can lead to penalties or coverage delays, so it’s important to get the right guidance at the right time.
Choosing a Medicare plan is one of the most important health decisions you’ll make. Our licensed advisors are here to answer your questions and help you compare your options so you can feel confident in your coverage. Whether you’re new to Medicare or exploring a change, we’re here to provide clarity and peace of mind every step of the way.
Term life insurance lasts for a specified number of years and then ends. You choose the term when you take out the policy, with common terms being 10, 20, or 30 years. The best-term life insurance policies balance affordability with long-term financial strength.
Types of Term Life Insurance:
Term life insurance is attractive to young people with children because parents can obtain large amounts of coverage at reasonably low costs. Upon the death of a parent, a significant benefit can replace lost income.
These policies are also well-suited for people who temporarily need specific amounts of life insurance. For example, the policyholder may calculate that by the time the policy expires, their survivors will no longer need extra financial protection or will have accumulated enough liquid assets to self-insure.
Term life insurance is for a predetermined period, typically between 10 and 30 years. Term policies may be renewed after they end, with premiums recalculated based on the holder’s age, life expectancy, and health. By contrast, whole life insurance covers the entire life of the holder. Unlike a term life policy, whole life insurance includes a savings component, where the cash value of the contract accumulates for the holder. The holder can withdraw or borrow against the savings portion of their policy, where it can serve as a source of equity.
Whole life insurance, also known as traditional life insurance, provides permanent death benefit coverage for the life of the insured. In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate. Interest accrues at a fixed rate and on a tax-deferred basis.
Whole life insurance policies are one type of permanent life insurance. Universal life, indexed universal life, and variable universal life are others. Whole life insurance is the original life insurance policy, but it does not equal permanent life insurance as there are many types of permanent life insurance.
Universal life insurance and whole life insurance are both permanent life insurance types that offer guaranteed death benefits for the life of the insured. However, a universal life policy allows the policyholder to adjust the death benefit as well as the premiums. As one might expect, higher death benefits require higher premiums. Universal life policyholders can also use their accumulated cash value to pay premiums, provided the balance is sufficient to cover the minimum due. Whole life insurance, alternatively, does not allow for changes to the death benefit or premiums, which are set upon issue.
Universal life (UL) insurance is permanent life insurance (lasting the lifetime of the insured) that has an investment savings element and low premiums similar to those of term life insurance. Most UL insurance policies contain a flexible-premium option. However, some require a single premium (single lump-sum payment) or fixed premiums (scheduled fixed payments).
Unlike term life, UL insurance policies can accumulate interest-bearing funds like a savings account. Additionally, policyholders can adjust their premiums and death benefits. Those paying extra toward their premium receive interest on that excess.
If you want to build tax-deferred savings and don’t expect to tap into the funds for a long time, universal life may be a suitable option. The cash value option that’s part of a universal life policy may be available for you to withdraw or borrow against in an emergency.
It’s a good idea to talk with your insurance provider to better understand your life insurance options. They can help you review your personal situation and long-term goals to choose a policy that’s a good fit for you and your family.
Access to quality healthcare is a necessity, not a luxury. Our health insurance plans are designed with flexibility and affordability in mind—so you can get the coverage you need without compromising your financial well-being. Whether you’re a working professional, a parent caring for a family, a student, or someone transitioning between jobs, we provide options that cater to your specific lifestyle and health goals.
Our health insurance options cover a broad range of essential services, ensuring you’re protected in both everyday and emergency situations. Benefits include preventive care, primary and specialist doctor visits, emergency room services, hospitalizations, prescription medications, mental health services, lab tests, maternity care, and more. You can also choose plans that include dental and vision coverage for a more complete healthcare experience.
We understand that everyone’s healthcare needs and financial situations are different. That’s why we offer a variety of plans with different deductibles, premiums, and out-of-pocket maximums—giving you the power to choose what works best for you. Whether you’re looking for low-cost basic coverage or a robust plan with extensive benefits, we have a solution that fits.
Health insurance doesn’t have to be overwhelming. Our goal is to make the process simple, honest, and empowering. Use our easy online quote tool or connect with a knowledgeable agent to explore your options and choose a plan that fits your life. Take the first step toward protecting your health, your future, and your peace of mind—starting today.