Dedicated to Providing the Best In-Home Health Care.
As your local health insurance agent in St. Petersburg, FL. I help provide my customers a sense of security while identifying the converges that best fits their needs. The process is personalized to help you and your family understand health insurance. I have twenty plus years’ experience in the health insurance industry to give you confidence in knowing that you made the right health insurance decision.
What you need to know?
Critical Illness Insurance – Otherwise known as critical illness typically covers heart attack, cancer, stroke or a dreaded disease. It is an insurance product in which the insurer is contracted to typically make a lump sum cash payment to the insured if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy. Earn guaranteed scholarships – up to one full year’s tuition – at more than 400 participating private colleges and universities through the SAGE Scholars Tuition Rewards® Program.
Disability Insurance – Is often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits and long-term disability benefits. Statistics show that in the US a disabling accident occurs, on average, once every second. In fact, nearly 18.5% of Americans are currently living with a disability and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.
Senior Products – Most Medicare plans pay your doctors or hospitals while our supplemental health insurance plans pay you the insured.
Things like Illness, accidental injuries and hospitalizations can create unexpected expenses that Medicare may not fully cover. You can use these policy benefits for in-home care, eyeglasses, or mortgage payments etc. Earn guaranteed scholarships – up to one full year’s tuition – at more than 400 participating private colleges and universities through the SAGE Scholars Tuition Rewards® Program.
Term Life Insurance – is a life insurance policy that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Give your Children and Grandchildren a Meaningful Gift that Lasts a Lifetime with a Children’s Whole Life Plan Child-size premiums–that never increase
Coverage doubles automatically during age 18
Guaranteed future insurability for your child
Coverage available up to $50,000 for children 14 days to 14 years old An affordable way to help secure your child’s financial future Life insurance coverage that protects and builds cash value!
Vision- An annual eye exam is about much more than healthy vision. It can help identify the early signs of serious health conditions like diabetes and high blood pressure. We offer a vision plan that complements your health insurance plan. Our vision plan delivers savings on both eye examinations and eyewear.
Dental- The dental plan provides a range of covered services that are designed to fit you and your family’s specific needs and budget. Each plan complements your health insurance coverage and provides benefits for a range of preventative, diagnostic and restorative services.
Guaranteed Life is a whole life insurance policy that enables you to get life insurance protection in your later years, so your family members won’t have to take on the responsibility of covering any costly final expenses when you’re gone. With the cost of a funeral averaging over $7,000, and Social Security providing a one-time death payment of only $255 (if you qualify), your family could be faced with a large funeral bill and other final expenses that may be difficult for them to pay. A Guaranteed Life policy can cover you for up to $25,000 to help make life easier for your family at a time when they may need it most. So you can continue to be the hero to your loved ones that they know you to be. Additional guaranteed products include Critical Illness, Disability Income, Legacy Protection, Accident Protection, Dental/Vision, Scholarship Benefits, Legal Benefits, and Legacy Protection
Secret 1: All Medicare Supplement Plans Are Identical
Secret 2: Higher Premiums Don’t Mean More, or Expanded, Coverage
Secret 3: Higher Premiums Don’t Guarantee a Stronger Provider
Rule of thumb No. 1: Multiply your income by 10.
Rule of thumb No. 2: Buy 10 times your income, plus $100,000 per child for college expenses
Rule of thumb No. 3: The DIME formula
How to find your best number
Follow this general philosophy to find your own target coverage amount: financial obligations minus liquid assets. Calculate obligations: Add your annual salary (times the number of years that you want to replace income) + your mortgage balance + your other debts + future needs such as college and funeral costs. If you’re a stay-at-home parent, include the cost to replace the services that you provide, such as child care.From that, subtract liquid assets such as: savings + existing college funds + current life insurance