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Products / Services: See numbers 1-6 under links section

for detailed information on products!

(Telephonic or 'in person' service available.)

Click on links below to apply directly for:

Life Insurance - pemanent or temporary (term):

https://agents.ethoslife.com/invite/d643

Medicare Advantage with AETNA:

https://app.thinkagent.com/ext?repid=1710161

Medicare Advantage with HUMANA:

https://www.humana.com/aoa/1564620

Dental and/or Vision with HUMANA:

https://www.humana.com/agent/health-insurance-Agents/AOALanding?SANID=1564620&isMarketpointAgent=false

 1 ---- Medicare Products (Medicare Part C and Medicare Supplement)

Medicare Advantage and Prescription Drug (NO premium to LOW premium plans)

--- CAP your per year COSTS for:

covered medical expenses (MUST cover all that MEDICARE A & B cover)

covered prescriptions

 

Medicare Supplement

--- Fill in gaps in Medicare Coverage

2 ---- Final Expense / Burial Insurance (Guaranteed or Simplified issue)

- Ages 0 - 89 may be put in for coverage

- Once policy is issued, coverage is for LIFE. (i.e., never expires).

- Permanent (i.e., lifetime) coverage to cover burial costs, etc..

TWO types of Final Expense products -

 

- GUARANTEED ISSUE (GI) products for persons with SEVERE health conditions

              [AIDS, Cancer, etc.] available -

              NO HEALTH QUESTIONS on application!

              Must be Ages 45 - 80 for GI  product!

- SIMPLIFIED / EASY ISSUE products for people of MODERATE to VERY GOOD

             health available -             

            These INCLUDE health questions on the application, and hence have lower rates

             than the policies referred to above.

             Must be ages 15 days to 89 for Simplified / Easy Issue products

- NO EXAM required for ANY final expense / burial coverage.

 

- COST never goes UP, and BENEFIT never goes DOWN.

(In certain cases, benefit actually increases.)

 

- FAST approval / issue of policy (can be minutes, when done

electronically; or, 5 - 10 days otherwise).

3 ---- 'General' Life Insurance - Simplified and fully underwritten

- term, universal, and whole life.

- persons 0 - 80 years old may apply.

- family coverage available.

- coverage may or may not require exam;

        exams free, if needed. (Also, exam results available free as well, if desired.)

 

4 ---- Mortgage Protection

- term and universal life coverage  

       [to cover mortgage in event of death].

- personal disability to protect income if sick or

       injured.

- coverage may or may not require exam;

        exams are FREE to you, if needed. (Exam results available FREE as well if desired.)

 

Note: If you wish, you may APPLY ONLINE for both:

TERM Life (i.e., temporary life coverage) and

WHOLE LIFE (permanent coverage):

Go to link below - (copy / paste link into browser):

 

https://agents.ethoslife.com/invite/d643

 

Term life: Ages 18 - 69 may apply.

Whole life: Ages 18 - 85 may apply. 

For ALL life coverage described in topic sections 2 - 4 above, i.e. -

Final Expense

'General' Life Insurance

Mortgage Protection;

 

you can ALWAYS contact me through page 3 of this site (CONTACT ME), as well.

 

The ONLINE enrollment link above is just for your convenience.

(Further, I have products NOT at those links that allow still higher

ages to apply for coverage.

Whole life: up to and including age 89 may apply

Term life: up to and including age 75 may apply

Universal life: up to and including age 85 may apply

So, if you are older than the ages specified under the links, just

      call me!)

5 --- Individual / Personal Disability Coverage

     - receive monthly income if you cannot work due to illness or injury.       

     - must be employed and working to apply for this product.      

6 ---- Payroll Deduction insurance products for your company

- NO COST to employer.

- life / disability / critical illness coverage.

- employees participate voluntarily, through

                     payroll deduction.

 Life / Health Companies Represented

Medicare Products (Individual):

 

Multiple Companies

 

Life Products (Individual):

 

 

Mutual of Omaha (d/b/a United of Omaha in NJ).

AETNA (via subsidiary ASCENDO Life),

AIG (i.e., American General Life),

Ethos Life,

Gerber Life,

Columbian Life,

Liberty Bankers Life, 

United Home Life,

GTL,

Occidental Life, and

TransAmerica Life.

 

 

Group PAYROLL DEDUCTION insurance:

 

UNUM, and

Assurity Worksite.       

Hablo Español

 (Please also see the "About Me" and "Contact Me" links above.)

Without prejudice, all rights reserved.

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