One of the most asked and misunderstood questions posed by adults in their 60s is the question of when to draw social security. However, the answer to that question for you depends on your own situation and circumstances, including when you hit full retirement, your work situation, your earnings, and even the longevity of your family history.
As we might expect, there will be a change in costs with Medicare Part D prescription drug plans for 2017. So what will this mean for you? And how can you save money in 2017?
If you are in your 20s – 50s, are healthy, and are looking for a financial tool that will provide you with security, good growth on your money and tax-free income, an indexed universal life insurance policy may just be what you have been searching for. If so, explore this possibility with an experienced, trustworthy agent who will be able to answer your questions.
Long-term care insurance protects one’s resources. In addition, purchasing a long-term care policy preserves one’s choices. But long-term care insurance can be pricey; are there less expensive options? Yes. There are a couple of options with a provision for long-term care coverage—life insurance and annuities.
Term insurance definitely has its place in life planning—and what will eventually occur at the end of that life—but it is not for everyone. Though term life insurance is the lowest cost life insurance available today, there are only a few scenarios in which it may be a good buy for you. Here is the way it works.



John was a great help to me he came to my house many times use a lot of his time doing so to help find me the best policy she possibly could and he did find me one of the best got policies there is out there I would say call John first before going anywhere else


John was a life saver! He is very professional and efficient with your time. He very clearly explained all of the Medicare plans available and helped us make informed decisions. He did as much of the paperwork as he could & guided us through the steps we were required to do. Don’t make these decisions uninformed! He can help you!


John provided me with excellent service at a critical time in my life when I was entering the age of Social Security and Medicare. He is very knowledgeable on Medicare coverages, supplementals and prescription drug coverages. In addition, he is trustworthy and a really nice guy. I highly recommend him for your insurance needs.


My husband has had Medicare for around 15 years. We were wanting to switch out of a high deductible supplemental plan and look into Medicare Advantage Plans and did not know where to get the answers. John has all the information about your Medicare and supplemental choices and can answer any questions you have. He was very professional and knowledgeable .He said he can even help us with claims if necessary. He came to my place of work, I didn't even have to leave my office! We contacted John several times with questions and he answered every one. There is so much information and it changes every year, call John and let him help you make the best choice for your family! We will be contacting John again this year during open enrollment.


John has been so helpful to my husband and I. He has always gone out of his way to help us get our insurance policies in place and has always been thorough with all his explanations and recommendations. He put in several hours finding the best policies for our money. It has been a true joy to work with him as our agent and I look forward to many more days ahead with him. We have recommended John to many of our friends.


Have loved working with John. He is very informative about all our needs and helped us to make some great choices. Would highly recommend him to help you make the best choices.