Save Money, Protect Your Loved Ones!Life Insurance premiums are now at an ALL-TIME LOWS.
What Are You Worried About?
Do you have longevity in your family? Believe it or not, living a long time can create challenges for your retirement funding and your healthcare expenses, especially long term care which is typically not covered by Medicare. What about dying too early? Will the loss of your income result in a financial impact on your family, and if married, on your spouse's retirement? Life insurance is not just about paying off the mortgage. Talk to us about how much insurance you need and how to protect what may be your largest asset, YOUR LIFETIME INCOME. We can also help you with Long Term Care insurance. Find out ways to plan ahead for one of the most likely medical expenses you will have if you live long enough.
An experienced and independent agent who represents multiple insurancescarriers can make a huge difference in what you pay for coverage.
Final Expense Insurance
Your family will always come first.You wouldn`t want them to bear huge and unexpected financial burdens at thetime of your passing. No matter what you rage, it`s absolutely essential tohave a plan in place to protect your loved ones when you are no longer able.Final Expense insurance will pay for your funeral service, bills, and otherassociated costs.
Medigap (Medicare SupplementInsurance) Policies
Original Medicare pays for many, but not all, health care services andsupplies. A Medigap policy, sold by private insurance companies, can help paysome of the health care costs (“gaps”) that Original Medicare doesn’t cover,like copayments, coinsurance, and deductibles. Some Medigap policies also offercoverage for services that Original Medicare doesn’t cover, like medical carewhen you travel outside the U.S. If you have Original Medicare and you buy aMedigap policy, Medicare will pay its share of the Medicare-approved amount forcovered health care costs. Then your Medigap policy pays its share. Medicaredoesn’t pay any of the premiums for a Medigap policy. Every Medigap policy must follow Federal and state laws designed to protectyou, and it must be clearly identified as “Medicare Supplement Insurance.”Medigap insurance companies can sell you only a “standardized” Medigap policyidentified in most states by letters. All plans offer the same basic benefits,but some offer additional benefits, so you can choose which one meets yourneeds.
WhyYOU Need Life Insurance with Living Benefits: Click Here to Watch this Video
In most cases, the main benefit of term life insurance is a payout to your family when you pass away so that they can pay for everyday expenses, the mortgage, your funeral expenses, and more. However, some term life policies offer benefits you can use while you're still living, which is why we call them Living Benefits. Some of these benefits are automatically included with your policy, while others are options you can add to your policy. Click Here to Watch this Video
WhyShould I Call This Agency for Insurance?
Good question. There are a lot ofinsurance agents out there and it may seem like any agent or broker is as goodas another. But we are decidedly different. Let's face it, insurance jargon canbe very confusing that is why GarronT Life is here to help you understand. Weknow the ins and outs of the insurance business, and our inside knowledge ofmany companies and many products will work to your advantage. In fact,different insurance companies often charge vastly different premiums for theexact same coverage. As independent agents, we are not employed by oneparticular company. Instead, we can select insurance products from among thosecompanies that best address your unique concerns.
We promise to focus our attention on your benefits exclusively.
Please don't hesitate to call us with your questions no matter whether you are alreadya valued customer, a potential client, or if you simply need expert advice.There will never be a charge for our assistance or for a friendly,