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 Investment Life Insurance Company
- Americo Financial Life & Annuity
- Forethought
- Guaranty Income Life
- ING
- Liberty Bankers Life
- North American Company for Life & Health
- Phoenix Life
- RBC
- Sun Life
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:
- Equitable Life & Casualty Insurance Company
- Mutual of Omaha
Dental Insurance
Seniors have a greater need for dental care than any other age group. Unfortunately, too often the cost of quality dental care may exceed what many living off a retirement income can easily afford. Our carriers are:
- Constitution Life (For individuals age 63+ and their spouses)
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:
- Foresters
- Liberty Bankers Life
- United of Omaha
Investment Advisory Services
For our clients who wish to invest in the stock market, we can manage those assets and provide investment advice through Much Wealth Management.
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. For life settlements, we are partnered with GWG Advantage.
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 combo plan)
- John Hancock
- LifeSecure
- Life Insurance Company of the Southwest (Annuity with LTC option)
- Lincoln Financial MoneyGuardŽ Reserve
- Mutual of Omaha
- Prudential
- Transamerica
- United Security Assurance (OK, PA & TX only)
Medicare Advantage
Medicare Advantage plans are a low-cost alternative to traditional Medicare Supplements. Our Medicare Advantage providers are:
- Anthem Blue Cross & Blue Shield (KY only)
- Coventry
- Essence (KY, NY, WA)
- Humana (KY only)
- Pyramid
- Secure Horizons
- WellCare
Medicare Supplement
Medicare Supplement insurance helps pay for some of the gaps in the original Medicare program. Our Medicare Supplement providers are:
- Gerber Life
- Mutual of Omaha
- Secure Horizons
- Sterling (MO, TX)
- United American Insurance Company
- 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. For this service, we use Next Generation Financial Services, a division of 1st Mariner Bank, Baltimore, Maryland.