Life is Precious

Many think once you become eligible for Medicare healthcare becomes free. Unfortunately, this could not be further from the truth. Everything costs! Thankfully, there are Medicare Supplements, Prescription Drug Plans and some Medicare Advantage plans that can eliminate/alleviate many of these expenses, but those products cost a monthly fee too.  Our enrollment professionals will explain all the costs up front. Do not get caught off guard when it comes to your Medicare options. Also be careful when listening to your neighbor’s recommendations if you have special needs they don’t. Speak with a licensed professional today.

If you are contemplating surrendering your life insurance policy for its cash value, keeping it as income replacement for loved ones, or for paying your final expenses then we salute you.  These are important conversations that require a lot of consideration. The goal should always be to at a minimum to cover your final expenses. Though I am sure your grandchild(ren), child(ren), or favorite charity would not mind if you left a financial legacy for them either. Finding the most suitable policy For You is always our main objective. We even have Guaranteed Issue policies if you have cancer, heart disease or other critical, chronic, and terminal illnesses. Speak to a licensed professional about your options today!

In non-sugar coated terms, a long-term care policy helps you avoid the embarrassment and burden of having to rely on family members to take care of you when you cannot perform two of the six activities of daily living. It may be hard to imagine now, but someday you will need some help taking care of yourself in the last stages of life. The big question is how will you pay for it? Long Term Care covers a variety of services not covered by Medicare, allows you to receive care in the comfort of your own home and transfers the risk of having to pay for this type of care with your life savings to the insurance carrier. Most people with long-term care insurance buy it in their mid-50s to mid-60s. Failing to plan is planning to fail. Allow one of our professionals help you determine the best long term care strategy for you.

Critical Illness Plans pay a cash lump sum benefit if ever diagnosed with a first time critical, chronic, or terminal illness. This benefit can be anywhere from $1,000 to $100,000. Use this cash lump sum to pay your medical plan’s deductible, mortgage/rent, utility bills and more. With Critical Illness insurance you can focus on your recovery without the financial stress. Also, these plans have no co-pays or networks to stay within, but waiting periods may apply i.e., 30-90 days.

With many great dental options to choose from, we have got you covered. From preventative services like cleanings and teeth whitening to comprehensive care like root canals and crowns, we will help you determine which dental option is best for you. Most of our plans get better each year covering 60-80% of the costs and provide benefits from $2,000-$5,000 annually. At Better Insure It, we make it your choice. Choose from one of our many dental carriers today.

Vision is vital to optimal health, yet it is often overlooked. Just imagine how different life would be with limited or no vision. Better Insure It takes your Vision needs to heart and will keep your vision safe while protecting your overall health & wealth.  Our plans provide coverage on day one for exams and materials. We only appoint with the largest networks in the nation. There are no waiting periods for exams, lenses and frames and no enrollment fees for vision plans either.

For many this is a confusing topic. Social Security payments are determined by your full retirement age, so be sure you know what yours is. Often it is 66 or 67. Do I take social security now or later? We recommend you decide for yourself and not what everyone else is doing. Everyone’s situation and needs are different. Choosing to take social security now or later impacts a few things from you the size of your check to how you enroll in Medicare. Speak with one of our professionals today. We will help you decide what is best for you and can even assist you with signing up if determined this is the best decision For You!