How Much Life Insurance Do I Need?
Blog
When it comes to life insurance planning, our clients want real answers. They ask questions like, "How much insurance do I need? Is it affordable? How long should my policy last?" These are important questions! We answer them below using practical formulas and straightforward talk. Once you have a good foundation, purchasing life insurance for [...]
March 24, 2022
Category: Life Insurance
How To Make Money With An Annuity
Blog
Purchasing an annuity is a smart way to save money. It's also a great way to set up a guaranteed stream of income in retirement. You will create reliable returns and give yourself peace of mind as a part of your investment portfolio. Ultimately, the question arises – how do I get paid from my [...]
February 17, 2022
Category: Annuities
Medicare Advantage Plans For Veterans
Blog
If you're a veteran, there are several unique Medicare Advantage plans worth consideration. These policies will reinforce your coverage when receiving care outside of the VA. Many policies also reduce your Part B premiums and increase your monthly Social Security checks. You can enjoy added benefits like dental, vision & hearing coverage as well as [...]
January 24, 2022
Category: Medicare Advantage
Upgrade Your California Medigap Insurance
Blog
If you're on Medicare and live in California, you might be aware of the Birthday Rule. This law allows you to change your Medicare Supplement policy each year to a "like or lesser" plan. You have 60 days to make this change from your birthday, but most insurance companies will accept an application up to [...]
October 17, 2021
Category: Medicare Supplements
Five Star Medicare Advantage Plans
Blog
Notable 2022 Advantage Plans With Five Star Ratings: Medical Mutual of Ohio PPO Plans Aultcare Primetime in NE Ohio Select Wellcare Plans in California Humana CarePlus Policies in Florida Cigna Coverage in Florida Humana Health in Louisiana United Healthcare AARP in Ohio, Texas Humana HMO plans in Northern Kentucky
July 26, 2021
Category: Medicare Advantage, Medicare Part D
Securing Protection: Life Insurance for Seniors & Young Adults
Blog
Millennials and the baby boomers are two generations who currently make up the majority of the population in the United States. Understanding how each generation thinks and what they want helps determine more about their life insurance needs. Let's explore the perceptions about each generation. See if you fit into either. Then let's consider the [...]
July 12, 2021
Category: Life Insurance
Medigap Policies With Manhattan Ins. Co.
Blog
Manhattan Life Insurance Company is best known for affordable Medicare supplement insurance coverage. Plans offered include A, B, C, D, F, G and N. They have recently lowered rates on popular Plans G & N. On these two Medigap policies you'll find some of the best prices in many states. Renewals for existing policyholders are [...]
May 7, 2021
Category: Medicare Supplements
Nassau Life Fixed Annuity Rates
Blog
Our clients are searching for competitive fixed annuity rates. They want safe and insured accounts that are reliable and worry-free. The good news is that Nassau Life fixed annuity rates are some of the best in the country. They offer high yields in terms that range from 4-7 years. These accounts are suitable for conservative [...]
May 4, 2021
Category: Annuities
Is My Annuity Insured?
Blog
Annuities are unique investments popular for income, tax-deferral, growth and safety. Most policies have no exposure to market downturns. They are designed to provide certainty. Conservative investors enjoy having a portion of their portfolio safe and protected from losses. While these accounts do come with guarantees, many want to know how they're insured and by [...]
March 19, 2021
Category: Annuities
Medicare Part B Give Back Premium Reduction
Blog
If you're on Medicare, you're likely hearing about the Medicare Part B Give Back benefit. This new feature is only offered by a select few Medicare Advantage plans and only in some areas of the country. If you qualify, this unique benefit can reduce your monthly premiums owed to the government each month. How Does [...]
February 24, 2021
Category: Medicare Advantage
Anthem Short Term Health Insurance
Blog
If you're in need of short term health insurance, Anthem Blue Cross & Blue Shield now offers these policies in many areas of the country. Our clients prefer shorter duration health plans for many reasons. Cost, network availability, benefits and flexibility are a few of the main factors. We discuss what you can expect from [...]
February 3, 2021
Category: Anthem Short Term Health Insurance
Best One Year Annuity Rates & Policies
Blog
If you need a one year fixed annuity, we can help. Hyers and Associates is an independent brokerage specializing in annuities of all types. We'll help you compare the highest rates available. Many of our clients are looking for short-term policies with fair rates of return. You might be surprised to know that many of [...]
January 20, 2021
Category: Annuities
Are Annuities Safe Right Now?
Blog
In the midst of these unprecedented times, there is a lot of concern about money – not just everyday stimulus/disaster relief money, but retirement funds and accounts. Conservative investors what know about their best options for growth and safety. Our clients are concerned about reliability, security and a fair rate of return on their deposits. [...]
January 15, 2021
Category: Annuities, Ohio Annuity
How To Get Extra Benefits With Medicare
Blog
It's Open Enrollment, so expect to see endless advertisements about the free extra Medicare benefits you might be missing. Things like prescriptions, dental, vision, hearing aids, meals, gym memberships & transportation. But are the benefits actually free? The answer is complicated. Like most things, there's a trade-off. What these commercials are referring to are the [...]
November 5, 2020
Category: Medicare Advantage
What Are The Different Types Of Annuities?
Blog
Annuities are unique investment tools that are used for growth - and to provide guaranteed income. They offer predictable returns and tax deferral and are commonly used to create income streams in retirement. There are different types, however, which carry different levels of risk and reward. Some are more designed for growth and accumulation, while [...]
October 7, 2020
Category: Annuities, Ohio Annuity