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Call today for quotes on health insurance for
Medicare beneficiaries
or any other type of health or life insurance!

Newsletter

Life Newsletter - October 2024

IN THIS ISSUE...

  • VIDEO: STEPHEN MILLER: PROTECTING THE FUTURE


  • ANNUITY 101



  • VIDEO: VALERIE KING: DISABILITY INSURANCE SAVES A FAMILY--TWICE


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VIDEO: STEPHEN MILLER: PROTECTING THE FUTURE

CLICK HERE TO WATCH THE VIDEO

ANNUITY 101

People are living longer and healthier lives, with retirement looking less like a slowdown than a new chapter in life. A change in how retirement looks and how long it lasts also means exploring how you can make your savings and income from varied sources last as long as you do. That’s where annuities come in. They can help you create a guaranteed income stream you won’t outlive.


If you feel you don’t really understand annuities, you’re not alone. In fact, 64% of people say a reason for not owning one is simply because they don’t understand them.² If this is you, these Q&As can help you get a handle on the basics, before you reach out to discuss the topic with an insurance or financial professional.



How can an annuity help me?


Do I need an annuity?


What kind of annuity is right for me?


What are the benefits of annuities?


What if I buy an annuity and my needs change?


How much do annuities cost and are there fees involved?


What are some other important considerations?


Are annuities safe?


What happens to my annuity when I pass away?



Where can I buy an annuity?


Real Life Story


Annuities help this retiree maintain her independence.

Thanks to the strategies that Linda Billings put in place for her retirement, with the help of her insurance professional, she doesn’t have to work. As part of the planning they did, Linda purchased several annuities, which now cover 100% of her current and anticipated monthly expenses.“I don’t worry when I get into bed. I don’t fret about my financial situation anymore,” says Linda. “How many people headed for retirement are able to say that?”


CLICK HERE TO WATCH THE VIDEO

VIDEO: VALERIE KING: DISABILITY INSURANCE SAVES A FAMILY—TWICE

CLICK HERE TO WATCH THE VIDEO
About Paul Cholak

Paul has over forty years of benefits experience and has been Director of Employee Benefits for large companies, as well as a benefits consultant with major consulting firms. He understands the life and health insurance needs of individuals and families of all ages. He also has considerable experience in selling life and health insurance to employer groups.

He guides you through the steps of getting insurance and is available to help you both BEFORE and AFTER you've made your purchase decision.
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Toll-free: 877-734-3884
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Schedule For 2024
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2024 plans began November 1, 2023 and ended January 16, 2024 on the Federal Facilitated Marketplace (https://www.healthcare.gov).

You’re eligible to enroll ONLY if you have a Qualifying Life Event.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.


2025 Annual Enrollment Period For Medicare Beneficiaries

Marketing for 2025 Medicare Advantage, Medicare Advantage Prescription Drug, and separate Medicare drug coverage (Part D) began October 1, 2024. Medicare beneficiaries can enroll in or change plans for 2025 by enrolling during the Annual Enrollment Period between October 15 and December 7 for a January 1, 2025 effective date. Individuals who want to keep their present plans, if they are available for 2025, do not need to submit enrollment applications. Individuals with terminating plans have until February 28 to enroll in a new plan but should enroll by December 31 to have a January 1, 2025 effective date. Except for individuals wishing to enroll in a Chronic Special Needs Plan, there are no health questions to qualify.

Medicare beneficiaries can enroll in a Medicare Supplement plan within 6 months of their Part A and B effective dates without answering health questions. Generally, individuals with Medicare Supplement plans can change plans at any time but in many cases will need to answer health questions to qualify. Individuals who have Medicare Advantage plans can enroll in Medicare Supplement plans during the Annual Enrollment Period but in most cases will have to answer health questions. There are special rules for individuals with “trial rights” or eligibility for guaranteed issue policies that don’t require answering health questions.

Call us at 561-734-3884 or 877-734-3884 (TTY: 711) for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

We offer individual group health insurance plans

as an alternative to individual and family Affordable Care Act plans to those who can’t qualify
and/or who are looking for less expensive alternatives.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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561-734-3884 or 877-734-3884
(TTY 711)