All Star Financial Insurance

SAVING MONEY on employee benefits is a must in today's economy. The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages. Many employers struggle to balance employee needs with their own capabilities and bottom lines. Helping you meet these divergent objectives is our specialty.

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.

If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!Term Insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.

Indexed Universal Life (IUL) insurance policies are a relatively new 'hybrid' product that insurance companies offer, combining the best aspects of the fixed whole life and the variable life insurance. The main distinguishing feature of this type of life insurance is that it allows you to invest the cash value in index options that follow the movement of an index, such as the Dow Jones Industrial Average and the S&P 500.

If you are not currently enrolled in either a Medicare Advantage Plan (Part C) or a Medicare Prescription Drug Plan (Part D) you can enroll, and you cannot be declined. If you are already enrolled in a Medicare Advantage Plan (Part C) or a Medicare Prescription Drug Plan (Part D) you can switch to a different plan or company.

Medicare helps you get the coverage you need, but you should expect to pay some of the costs. If you choose Medicare Part A and Part B, you'll find gaps in the coverage. Many people enroll in a Medicare Advantage, Part D Prescription Drug and/or a supplemental plan to help pay for the costs and benefits that aren't covered by Original Medicare.