Do you have cash value built up in those old whole-life policies and wonder about your options? Have you purchased a new home? Are you expecting a new member to your family? Do you own a business? Or, are you simply planning for your future?
With all the exciting changes life throws your way, being prepared for change helps make life easier.
Find an Agent5-10-20 Year
Don't strain your budget to get the protection you need.
"I believe we are uniquely positioned to provide the best insurance experience for you and your family. I do not work for any single insurance company, I work for you"Paul Osborne
You can relax while your agent shops around for flexible coverage and great rates.
A few of the companies we can quote for include, but are not limited to:
When you bundle your policies together you'll save even more. Check with your agent to see what options are available to you.
Long-term care is the help you may need if you are unable to care for yourself because of a prolonged illness or disability.
Long-term care is the help you may need if you are unable to care for yourself because of a prolonged illness or disability. People often think of long-term care as being given in a nursing home. In fact, the term now refers to a whole variety of private and semi-private care situations and services, including in-home care, assisted living, adult residential care and nursing facilities. The trend is toward home health care options which provide the opportunity for a person to live comfortably in their preferred environment.
Find an AgentAs we plan for the future, some surprising facts need to be considered:
Persons who have attended Long-Term Care Insurance seminars indicate their top two concerns are:
It is a common misconception that Medicare and Medicaid will cover the costs of long-term care. In reality, there are four basic ways that long-term care is paid in Kansas:
In Kansas, Medicaid pays for over 55% of all nursing facility care. Over 40% of all nursing facility expenses are paid out-of-pocket by individuals and their families. Medicare may cover some long-term care costs, but that coverage is usually only for short periods of time. The balance is paid by Long-Term Care Insurance.
