Will having an insurance broker benefit me?

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.

When speaking with your agent to set up your Life policy, talk about your concerns and the lifestyle you desire. Insurance brokers are not limited to one Life Insurance carrier; we will find the carrier and policy that best meets your needs and budget.

Your insurance carrier determines what's covered. There can be cases where the provider is an out-of-network doctor billed at in-network rates. Talk with your broker or your carrier about special unique needs.

International medical insurance is a must-have item when you’re embarking on an international trip. Even if you have good insurance in your home country, it may not provide the medical coverage you need while you’re traveling or living internationally.
 

Consider this: What would happen if you broke your ankle on your trip? Who would you turn to for help if you suddenly encountered a medical emergency and couldn’t speak the local language? Let’s face it: While traveling to another country is an exciting adventure, it’s essential to be realistic about what could happen while you’re away from home.

Long-term care insurance helps cover the high costs of extended care services, such as nursing homes or in-home care, protecting your savings and reducing the financial burden on your family. While some see it as a waste if unused, the alternative—paying out-of-pocket—can quickly drain your assets. Alternatives like hybrid policies combine life insurance with long-term care benefits, ensuring value even if care isn’t needed. The best time to buy is in your 50s or early 60s, and options like inflation protection or shared benefits can make plans more affordable and flexible. Contact us to explore the best solution for your needs.