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.
So, to what are people referring when they speak of the Medicare Part D donut hole? The donut hole, also known as the coverage gap in Medicare circles, occurs after someone with a Medicare Part D drug plan has hit a certain spending limit on their prescription costs. When that limit is hit, then the costs go up for the person with the Part D plan. So, let’s see exactly how that works.
Apparently, Medicare does not believe that teeth are part of one’s body. Why do I say that? It is because Medicare does not provide dental coverage. So you will need to find dental coverage elsewhere.
Which is the best Medicare Part D prescription drug plan? Here is how to find the best Medicare Part D prescription drug plan for you and save money!
What can happen if you choose the wrong insurance company for your Medicare supplement? Did you know you could be stuck for life with a supplement that has enormous annual rate increases? How can you avoid this?

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JERRY HALLMAN 1
JERRY HALLMAN

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

CYNDY JOHNSON 2
CYNDY JOHNSON

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!

DEBBIE RASBERRY 3
DEBBIE RASBERRY

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.

CHERIE PARSON 4
CHERIE PARSON

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.

ELYCE STILL 5
ELYCE STILL

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.

BECKY ADAMS 6
BECKY ADAMS

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.