DON’T NEED MY SERVICES RIGHT NOW?
Someone you care about: Family, Friend or Co-Worker, does.
Help me help them!
PLEASE send them to this web site!
Peak Insurance Agency LLC
C: (520) 591-2842
F: (480) 535-5677
PeakInsuranceAgency@outlook.com
BOTTOM LINE:
Do you want a real person who will educate you and help you make well informed decisions?
Then call and talk to me today.
NO-Pressure. NO-Hard Sell.
Products and Services Offered by Peak Insurance Agency, LLC
Medicare Health Plans
Peak Insurance Agency, LLC is a holistic Medicare Advisory Agency.
We are an Independent Medicare, Life Insurance and Annuity Brokerage.
We work with MANY Private Medicare Health Plan providers in Arizona.
No one Medicare plan type is necessarily better than the other- they are essentially tools, and you need the right tool for a specific job.
We ask you what your budget is, what your coverage needs are- including doctors, hospitals and prescription medications that are important to you (among other questions), and then we help you make informed decisions about which plan, with which carrier is a good fit for your specific individual needs.
Why do you want Medicare Coverage other than what you get from the U.S. Federal Government?
GREAT QUESTION!
Original Medicare does not cover Prescription Drug Coverage at a Pharmacy at all.
Medically Original Medicare DOES NOT pay all your medical bills- it is a possibility that you can have some fairly large out of pocket expenses without another type of Medicare Health Plan to control those costs- such as a Medicare Supplement or a Medicare Advantage Plan.
There are Pros and there are Cons with ANY Health Insurance Plan- we’ll make sure that you understand your options and help you make quality choices!
Oh by the way… working with Peak Insurance Agency, LLC DOES NOT cost you any kind of fees. We are paid commissions by the insurance company IF we enroll you into a coverage plan.
Medicare Supplement Plans
Medicare Supplement Plans (Also known as Med-Gap Plans) are a secondary plan- they pay all or part of what Original Medicare doesn’t pay based upon the specific Medicare Supplement Plan you choose Plan A through Plan N. They can be very nice coverage, but can also be more expensive for the better coverage plans. A really good option if you can afford the monthly premiums and you can qualify.
Part D- Prescription Drug Plans
Peak Insurance Agency, LLC as a general rule recommends EVERYBODY on Medicare have Prescription Coverage that qualifies a “Creditable Coverage” by Medicare’s standards. We can chat about what “Creditable Coverage” is or if you fall within one of a VERY few exceptions.
(HINT: Not currently taking medications is NOT one of the exceptions).
Part C- Medicare Advantage Plans
A Medicare Advantage Plan is NOT a Medicare Supplement Plan. If you join a Medicare Advantage Plan you are enrolling into a Private Health Insurance Company to deliver your Medicare Benefits for you. The closest comparison is an employer based health plan where you have Co-Pays for services and a Maximum Out Of Pocket Limit. Some areas have Zero Premium Medicare Advantage Plans.
PLEASE!
Don’t be confused simply call me and I’ll guide you through your options.
DON’T NEED MY SERVICES RIGHT NOW?
Someone you care about: Family, Friend or Co-Worker, does.
Help me help them!
PLEASE send them to this web site!
Peak Insurance Agency LLC
C: (520) 591-2842
F: (480) 535-5677
PeakInsuranceAgency@outlook.com
BOTTOM LINE:
Do you want a real person who will educate you and help you make well informed decisions?
Then call and talk to me today.
NO-Pressure. NO-Hard Sell.
Life Insurance
Whole Life
Whole Life is a policy that lasts your entire life (as long as premiums are paid). Whole Life also builds Cash Value. Whole Life is typically more expensive than Universal Life or Term Life.
Term Life
Term Life is typically the least expensive form of Life Insurance. It is valid for “Term” or time period such as: 10, 20 or 30 years- are all very common lengths for Term Life Policies. Term Life DOES NOT build cash value.
Universal Life
Universal Life can have some attractive qualities like an adjustable premium. Fixed Indexed Universal Life (FIUL) can be very attractive as the money can be set to mirror the stock market and also has a floor to prevent losing money.
Final Expense Life
Final Expense is typically a Whole Life Policy with a Face Value (Death Benefit) of anywhere between $1,000 to $40,000 to pay for Funeral Services and/or Small Debts.
Juvenile Life
Juvenile Life Insurance is an excellent way to obtain inexpensive coverage that can last a lifetime and is normally easier to obtain at a young and healthy age. Typically a Whole Life Plan it can build Cash Value.
Life Insurance Underwriting
Life Insurance Underwriting isn’t a “type” of Life Insurance Policy it is the method the Insurance Company uses to assess their risk and issue a Life Insurance Policy, and what you will pay for the coverage.
Typically the more you have to do to qualify for a plan the lower your rate may be- assuming that you are healthy. The less you have to do to apply typically your rate may be higher.
Fully Underwritten
Fully Underwritten policies can be one of the more time consuming and involved application processes. It can involve records check and some level of medical tests- possibly a “ParaMed” or a full medical evaluation. The upside if you are healthy it can be the lowest cost option- getting you the best VALUE- More Coverage at a Lower Cost!
Simplified Issue or Limited Underwriting
Simplified Issue/Limited Underwriting usually means answering some health related questions, a records check and MAYBE what is called a “ParaMed” which is minor medical testing (usually done by a technician- even at a home visit).
Guaranteed Issue
Guaranteed Issue means that you CANNOT be turned down by the Insurance Company- even if you have serious health issues. This will be the most expensive option as the Insurance Company is not able assess their risk and the policy will also typically be for a lower face value or death benefit.
PLEASE!
Don’t be confused simply call me and I’ll guide you through your options.
DON’T NEED MY SERVICES RIGHT NOW?
Someone you care about: Family, Friend or Co-Worker, does.
Help me help them!
PLEASE send them to this web site!
Peak Insurance Agency LLC
C: (520) 591-2842
F: (480) 535-5677
PeakInsuranceAgency@outlook.com
BOTTOM LINE:
Do you want a real person who will educate you and help you make well informed decisions?
Then call and talk to me today.
NO-Pressure. NO-Hard Sell.