FINANCIAL RISK MANAGEMENT
A process that thoroughly identifies, analyzes and strategically prepares for the potential financial loss against uncertainty by proactively taking the appropriate actions in protecting, minimizing and mitigating the probability for significant monetary losses.
Health & Life
1 in 3 - homes would have immediate financial trouble paying expenses...if they were to lose their primary wage earner.
We offer a process that will help you identify and prepare for an exposed financial risk while giving you the ability to proactively implement a customized solution that will help you prevent and or reduce your unprotected financial risk and its impact on a financial loss.
8 in 10 - underestimate the true cost of life insurance.
Family is Everything.....It's not for you it's for them.
It is an option that protects your lifestyle from the full-expense of an unexpected accident or illness. With health insurance, you eliminate the probability of Financial Bankruptcy.
Recent research shows that 66.5 percent of all bankruptcies were tied to non-insurance medical issues —either because of high costs for care or loss of income from time off from work.
The American, Dental Association, studies have shown that Diabetes, Heart Disease, Kidney Failure, and Oral Cancer are linked to bad oral hygiene
Accident & Illness Indemnity ( Cost Reimburstment) Insurance
What if a long-term accident or illness kept you from being able to work? How long could you go without your regular paycheck?
How would your family meet monthly expenses and ongoing bills?
According to the Academy of General Dentistry.
" a wholesome smile-can be an excellent sign of good health"
because life happens....
That's why there are accident, illness, and disability insurance options.
Medicare Supplements, Medicare Advantage, Prescription Drug Plans.
With becoming Medicare eligible or reaching the milestone of turning 65, comes the complexities of gaining a better understanding of how Medicare Part A& Part B, works, with Part C & Part D supplemental insurance options.
Original Medicare provides good basic health coverage, but it pays only about 80% of approved costs
There are over 40 Medicare Advantage Plans., 30 Stand-Alone Prescriptions Drug plans and 16 Special Needs plans available in the industry today. There are currently 12 Private insurance companies offering these types of Part C& D options. (each company has multiple options)
If you're looking for experienced professional guidance, that is committed to integrity, patience, and above and beyond support....with your best interest in mind.