Our Products
Annuities
An annuity is a long-term savings vehicle that can help protect against the risk of outliving one's assets. We offer a variety of annuity products, except for variable annuities, which carry significant risk and are inappropriate for our senior clients. Our annuity providers are:
- Allianz
- American Equity
- Americo Financial
- Aviva Life & Annuity
- Forethought
- Guaranty Income Life
- ING Fixed Design
- Liberty Bankers
- Life of the Southwest
- Old Mutual
- Phoenix Life
- RBC Insurance
- Sun Life Financial
Critical Illness Insurance
This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Our carriers are:
- Mutual of Omaha
Disability Insurance
Disability insurance is a form of insurance that insures the beneficiary's earned income against the risk that disability will make working (and therefore earning) impossible. Our carriers are:
- Mutual of Omaha
Final Expense Insurance
Final expense insurance helps ensure the burden of burial, funeral, legal and other final expenses will not fall on the shoulders of loved ones. Our final expense carriers are:
- American Continental / Continental Life
- Foresters
- Liberty Bankers Life
- United of Omaha
Hospital Indemnity Insurance
A hospital indemnity plan pays a cash benefit directly to the policyholder to cover expenses associated with hospital confinement, ambulance trips, durable medical equipment, etc.
Our carriers are:
- Continental Life
- Guarantee Trust Life
Investment Advisory Services
For our clients who wish to invest in the stock market, we can manage those assets and provide investment advice through our strategic partner Alpha Fiduciary, a nationally Registered Investment Advisory firm.
Life Insurance
Many companies today offer policies tailored to the needs of seniors. These are often low to moderate face value whole life insurance policies that allow seniors the opportunity to buy affordable coverage. For life insurance, we have access to more than 40 insurance companies and can shop for the best policy for our clients' needs.
Life & Health Discount Plans
Our Life & Health Discount Plans can help Americans of all ages save money on everyday purchases. Membership options include: Dental, Vision, Pharmacy Card, Hearing Aids, LifeLock Identity Theft Protection, Golf Savings, and more! Visit www.discountplansonline.com to sign up.
Life Settlements
A life settlement is a financial transaction in which a person possessing an unneeded or unwanted life insurance policy sells the policy to a third party for more than the cash value offered by the life insurance company. The purchaser is responsible for all subsequent premium payments and becomes the new beneficiary of the policy.
Long-Term Care Insurance
Long-term care insurance helps protect retirement assets from the high cost of services should a long-term care need arise. Most policies provide coverage in a variety of settings and can be tailored to meet individual needs and budgets. Our chosen LTCI providers are:
- Genworth
- Guaranty Income Life (Annuity/LTC)
- John Hancock
- LifeSecure
- Life of the Southwest (Annuity/LTC)
- Lincoln Financial MoneyGuardŽ Reserve (Life/LTC)
- Mutual of Omaha
- Prudential
- Transamerica
- United Security Assurance
Medicare Advantage
Medicare Advantage plans are a low-cost alternative to traditional Medicare Supplements. Our Medicare Advantage providers are:
- Anthem Blue Cross & Blue Shield
- Cigna
- Coventry
- Essence
- HealthSpring / Bravo
- Humana
- Secure Horizons
- WellCare
Medicare Supplement & Part D
Medicare Supplement insurance helps pay for some of the gaps in the original Medicare program. Our Medicare Supplement providers are:
- American Continental / Continental Life
- Gerber Life
- Mutual of Omaha
- Secure Horizons
- Sterling
- United American
- United Commercial Travelers
- United World Life
- Woodmen of the World
Reverse Mortgages
A reverse mortgage is an equity loan that allows a homeowner to access the equity in their home and receive a lump sum, a tax-free monthly income and/or a credit line. Reverse mortgages are backed up by a major financial institution or by FHA/HUD.