It’s a common misconception that Medicare costs nothing. While Part A (hospital insurance) is free for most people, other parts—Part B (medical services) and Part D (prescription drugs)—have premiums, deductibles, and copays. You may still face 20% coinsurance or out-of-pocket caps even after paying premiums

You’re not alone. Comparing fee structures, provider networks, prescription coverage, and eligibility rules—especially for Medicare Advantage vs. original Medicare plus Medigap—can feel impossible. We simplify that choice and match you with the plan aligned to your needs and expected healthcare usage

Yes—especially if you have debts, expect final expenses like funeral costs, or want to leave something behind for loved ones. Affordable coverage today can prevent future financial stress for your family.

Your coverage depends on your family’s needs—such as paying off a mortgage, supporting dependents, or covering medical or funeral costs. We’ll help find a policy that balances careful protection with your monthly budget.

Some annuities include surrender periods where early withdrawals trigger penalties (often 5–10% annually, especially in early years)  . You should understand liquidity rules clearly before choosing.

Safety depends on the financial strength of the insurer. Look for ratings like AM Best A‑ or better and make sure a state guaranty fund backs your contract up to mandated limits. We only work with financially stable providers