Insurance
From the begining to the end. We have coverage to help meet financial obligations.
Insurance
Remember that jingle.. "Everybody needs a little help sometimes" That's what Insurance is. A little help. Here at Senor Assist Inc. we understand that most people don't have $12,000 just lying around for a funeral. Or $200,000 for a surgery. That's ok, with a needs assessment we can help you find the right insurance coverage for the situation you have or will have in the future.
What is life insurance? It is social contract where the financial burden caused by risk (bad things that happend and out of our control) is shared,so that no one party has to pay the entire amount alone. There are 3 sometimes 4 distinct parties directly involved in the insurance contract-the owner, the insured, the insurance company and the beneficiary. Depending on the specifics of the policy,when the insured dies,the insurance company pays the agreed upon death benefit to the beneficiary, as long as premiums are paid and up-to-date. To find out more concerning your unique situation, schedule a free consultation.
Life Insurance
Types
Whole Life
Whole Life.A life insurance policy that remains in effect,for the life of the insured. There are many premimum payment options available such as paying the full premium all at one time, paying full premiums in a shorter period of time or even monthly. These policies build cash value.
Term Life
Term. Short for terminating, this is a life insurance policy that remains in effect for a short specific period of time. These policies can last for 10, 20 and sometimes 30 years before they end. The insured must die within the specified amount of time in order for the insurance company to pay the death benefit. These policies do not build cash value.
Universal
Universal. A life insurance policy that combines the permanence of whole life with a variety of flexible options. This type of policy can be designed to help you save for retirement. These policies build cash value.
Do you know how to read your current policy? Do you know what type of coverage you currently have?
Is it meeting your current/ future needs?
Yes, I would like a Quote!
Medicare
What is Medicare? Medicare is Part 18 of the Social Security Act of 1965. Signed into law on July 30, 1965, Medicare is designed as an 80/20 co-insurance program. That means, of what Medicare covers,it will pay 80% of the approved cost and you, the beneficiary, areresponsible for 20% of the approved cost. When using Medicare, it is very important to verify what is covered and the true cost.
Part A
Within Original Medicare, Part A generally covers:
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Inpatient care in a hospital
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Skilled nursing facility care
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Impatient care in a skilled nursing facility (not custodial or long-term care)
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Hospice Care
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Home Healthcare
Part B
Helps cover medically neccessary services like:
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Doctor's Services
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Outpatient care
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Preventative Coverage
Part D
Prescription Drug Coverage, provided by private companies this coverage can vary in premium costs and specific drugs covered
I'm Ready for my
Free Consultation!
When you're finished reading and want one of our licensed, trained professionals to assist you with your unique situation just complete the form to the right and we'll contact you to set an appointment. Remember, Senior Assist Specialists don't come in the door just selling you what they think you need. Here at Senior Assist, we assess your current coverage, bills, needs, wants and ability. ONLY after we've made a full assessment do we present your options, with respect, we make sure you know what's going on with YOUR money!
What About
that 20%?
Stress no more! You have options to help pay the 20% co-insurance Original Medicare leaves behind. You can utilize Part C, also called Medicare Advantage. Medicare Advantage can provide all your Part A and B services along with additional services.
There is also a type of health insurance called Medicare Supplement. It is not apart of the Medicare, however it is designed to help cover the 20% co-insurance Original Medicare leaves behind.
Schedule your Free Medicare Benefit Consultation and one of our licensed trained agents will help find the right fit for you .