Our Solutions

Most agencies provide a spread sheet of alternatives offered by the  major insurance carriers when it comes time for renewal. Yet, that is  just one way to control costs and has not been the most effective method during the last few years.  I often recommend a different process,  looking at options like self- funded programs with a potential partial  credit of premiums. 

If you are frustrated with yearly double-digit increases and  have never received a refund on your insurance premiums, please be sure  to ask about this innovative program.

 Making sense of health insurance plans can be overwhelming, especially  when you're trying to understand the fine points of Medicare. There are  some key factors to consider in selecting the right program.  I will work to clarify eligibility and help you decide which  coverage will best meet your needs and be easy to use. 

 Individual health insurance is coverage that a person buys  independently. It can be purchased by a single individual or a family. 

When it comes to selecting coverage on an individual basis  there is not one company, nor one plan that works for everyone. Each  plan has its own strengths and weaknesses. There are many aspects and  benefits to consider before applying for coverage. I ask questions and  listen to the priority of your needs so the most appropriate  recommendation can be made.

 Selecting a long term care insurance company is an important  decision. Working with a company you trust to protect your assets and  lifestyle as you grow older is crucial. You want a firm that's respected  and recognized as a leader in quality service and products. Plus, the  company must offer an innovative portfolio of plans with comprehensive  benefits and a proven track record of paying claims. That's what you'll  find with Insurance Solutions.

After the age of 65, there is more than a 70% chance of  needing some form of long term care. Yet, Medicare covers only 13% of  long term care costs on a national basis. Here are seven strong reasons  to consider long term care coverage:

1. Avoid depending on others for care
2. Preserve your independence and steer clear of welfare
3. Prevent becoming a burden to family members
4. Maintain access to quality health care
5. Avert leaving a legacy of debt
6. Protect assets and provide an estate for heirs
7. Eliminate liquidating the nest egg you spent a lifetime building