Our Services

Whole and Term Life Insurance

Life Insurance offers individuals affordable premiums and coverage for a specific time period. Are your love one's protected? If you passed away are you leaving behind debt, a mortgage. lost income, or college tuitions?
Protect your most important assets, your family.

Ancillary Products

We have you covered. Available Services inclue:

Medicare Supplements
Medicare Advantage Plans, Prescription Drug plans,
Dental, Vision, Hearing,
Cancer, Heart Attack, Stroke,
Life and Final Expense

Retirement Services

We offer IRA's, Annuities, and 401k Rollovers.

Annuities are designed to offer a regular, guaranteed income stream over a specified period, or life. They can being immediately or later. It starts by investing money, that investment gains interest. The annuitant decides when to receive payments, which help with income during the retirement period.

Medicare 101

Part A: This is Hospital Insurance, which is guaranteed for those age 65+ or disabled. Most people do not need to pay a monthly Premium for Part A.

Part B: This is Medical Insurance intended to replace your current medical coverage. Your coverage starts/started on the dates listed on your Medicare ID card. Your Part B premium is drawn from your social security, if enrolled.

Part C: Also known as an Advantage plan. It is a Medicare-approved plan from a private company that offers a "bundle" of in-network doctors, a built in drug plan, vision, dental and hearing coverage.

Medigap Insurance, also referred to as a supplement, is available in letters GN. These plans can help "fill in the gaps" that Original Medicare does not cover. such as co-payments, co-insurance, supplies and deductibles.

Part D: A Prescription Drug Plan (PDP), can aid in the assistance of medication prices. If you have a supplement and DO NOT have a PDP, there may be late enrollment penalties. Understanding the rules can help in making informed decisions.

DVH-Dental/Vision/Hearing