Ohio Medicare Advantage Plans
Medicare Advantage plans are relatively new products in the insurance marketplace. In a nutshell, they allow consumers to opt out of traditional government provided Medicare coverage, forgo Medicare Supplement coverage and enroll in a Medicare Advantage plan with a private insurance ...
Health Insurance Options and COBRA
Employer based health insurance provides coverage for tens of millions of Americans. Unfortunately, many employees will be without coverage if they lose their job, quit, retire or if their company goes out of business. In most ...
Health Insurance Plans with Maternity Coverage
Many families are in search of affordable health insurance that will provide maternity or pregnancy benefits. Health carriers offer such plans, but they vary in the amount of coverage provided. In Ohio, most insurers provide no benefits for nine months and at least one insurance company ...
Wealth Transfer Using Life Insurance
Wealth transfer and asset protection are important topics for many baby boomers and seniors. Consumers want to learn efficient ways to maximize the distribution of assets to their spouses, younger generations and favorite charities. A will and/or a trust can assign assets to beneficiaries, however these estate-planning tools are not ...
Long Term Care Examples - Traditional and Hybrid
Traditional Long Term Care
Until recently, Ohio consumers had few choices when it came to long term care insurance. Traditional policies, which provided a certain amount of selected coverage, were the norm. Policies could be designed to cover care expenses for a few months, ...
Will You Have Enough Income at Retirement?
In my numerous meetings with retirees, I have met many who live very comfortably in their golden years. Foremost, they have conservatively invested nest eggs typically in annuities and brokerage accounts. They also possess sizeable deposits at the bank including certificates of deposit, savings and checking accounts. This generation experienced ...
Rescue Your Underperforming Annuity
It was only a few years ago that interest rates plunged to historic lows. Conservative investors who needed guaranteed income and preservation of principal were in a bind. In many cases, returns at the bank were below two percent and fixed annuity accounts yielded only marginally better. Many of these ...
What’s the buzz about equity-indexed annuities?
These days it seems investors are looking for safety and security more than ever, especially after the major stock market correction witnessed from 1999-2002. Four years later, numerous brokerage and variable annuity accounts still have not recovered their losses from that time period. Unfortunately, many investors were counting on those ...
Medicare Supplements for Consumers under Age 65
Currently there are only a few companies offering Medicare Supplements to those under the age of 65 in Ohio. Unfortunately, consumers on Medicare disability will not have the same options available to them as someone age 65 or older. Upon reaching age 65, early Medicare participants will have an open ...
How to Purchase Health Insurance Online
There are a myriad of resources available if you are looking to purchase individual or family health insurance plans online. Most of the major carriers offer online health insurance quoting links that independent agents can post on their personal websites. These links will describe all of ...
