EDUCATING AMERICAN FAMILIES

IN FINANCIAL LITERACY

Get peace of mind!

Estate Planning Implementation, Retirement Planning, Life/Health Insurance,

Final Expense, Medicare

What Is Medicare?

This material is provided for educational purposes only and is not intended to substitute for tax, financial, or legal advice. Readers should consult with qualified professionals before acting on any information presented.

Any information shared is limited to the plans we offer in your area. For a complete overview of your options, please contact Medicare.gov, call 1-800-MEDICARE, or reach out to your local State Health Insurance Assistance Program (SHIP).

Medicare Basics

Medicare is a federal health insurance program for:

  • People aged 65 or older

  • Individuals under 65 with certain disabilities

  • People of any age with End-Stage Renal Disease (ESRD), a permanent kidney failure requiring dialysis or a transplant

An Introduction to Medicare Plan Options

An Introduction to Medicare Plan Options


Turning 65 soon and becoming eligible for Medicare?

Curious about how it all works and how to maximize your benefits while minimizing your costs?

Watch this short video for a quick, easy-to-understand overview of how Medicare works and the plan options available to you.

What are the different parts of Medicare?

  • Part A – Hospital Insurance
    Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.

  • Part B – Medical Insurance
    Covers doctor visits, outpatient care, medical supplies, and preventive services.

  • Part C – Medicare Advantage
    An all-in-one alternative to Original Medicare (Parts A & B), offered by private companies. Often includes Part D and extra benefits like vision or dental.

  • Part D – Prescription Drug Coverage
    Helps cover the cost of prescription drugs. Offered through private plans approved by Medicare.

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Testimonials

Jessica M.


I had no idea where to start with life insurance, and honestly, it all felt overwhelming. But from the first phone call, I felt like I was in good hands. Everything was explained in plain language, and there was never any pressure. They helped me find a policy that fits my budget and gave me real peace of mind. Highly recommend if you're looking for someone you can actually trust.

Diane L.


I wanted to make sure my family would be taken care of if anything ever happened to me, but I wasn’t sure what kind of coverage made sense. The team here was incredibly kind, patient, and thorough. They helped me think through both short-term needs and long-term goals. I feel so much better knowing I have a plan in place. Thank you!


Carlos R.


After having a bad experience trying to get coverage online, I reached out here—and I’m so glad I did. They walked me through my options, found a great policy even with my medical history, and made the whole process way easier than I expected. Super professional and down-to-earth. I’ve already sent two friends their way.

Frequently Asked Questions

Common Questions Answered for your convenience.

How much life insurance do I really need?

That depends on your goals—are you looking to cover final expenses, replace income, pay off debt, or leave a legacy? A good rule of thumb is 10–15 times your annual income, but the best way to know for sure is through a quick, personalized review. I can help you figure it out—no pressure, no jargon.

What’s the difference between term and whole life insurance?

Term life covers you for a set period (like 10, 20, or 30 years) and tends to be more affordable. Whole life lasts your entire lifetime and builds cash value over time. The right fit depends on your needs and budget—I'm happy to walk you through the pros and cons of each.

Can I get coverage if I have health issues or a pre-existing condition?

In many cases, yes. There are policies designed specifically for people with health concerns, and you might be surprised by what you qualify for. I work with multiple carriers to help find the best option for your situation—even if your health isn't perfect..

Is life insurance expensive?

It doesn’t have to be. Many people overestimate the cost—especially for term policies, which can be surprisingly affordable. Your premium is based on things like age, health, and the amount of coverage you choose. I can help you find a policy that fits your budget.

Why should I work with a financial professional instead of buying online

Online quotes are a start, but they don’t always tell the full story. I can help you understand what you’re buying, avoid hidden pitfalls, and choose coverage that actually fits your life. Plus, I’m here to support you as your needs evolve—not just during the sale.

What happens to my policy if my life situation changes?

Life happens—marriage, kids, new jobs, retirement. The good news? Most policies can be adjusted or updated to keep up. I offer regular check-ins to make sure your coverage still makes sense and your loved ones stay protected.