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We have been serving the insurance needs of individuals, seniors, & businesses Florida since 1999! Our specialty is Medicare Advantage & Medicare Supplemental insurance plans. In addition to Life, Health, Long Term Care, and Annuties. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Our History Arthur A Kempton, III, USAF Retired KEMPTON FINANCIAL GRP LLC February 1, 2003 - Present KEMPTON FINANCIAL GRP LLC was established by Arthur A. Kempton III on February 1, 2003. Kempton is a United States Air Force veteran with over 20 years of service in various roles, including Logistics Superintendent at Headquarters 12th Air Force, Davis-Monthan Air Force Base, Arizona, where he contributed to counter-narcotics operations in Central and South America, and Superintendent of the 15th Logistics Group at Headquarters Pacific Air Forces, Hickam Air Force Base, Hawaii. Following his retirement from the Air Force in 1998, Kempton served as a Project Manager for Pacific Gateway Exchange, a long-distance telecommunications company based in San Francisco, California. In this capacity, he managed the build-out and construction of Central Office Projects in San Jose, Los Angeles, and New York City. In 1999, Kempton transitioned to the financial services sector, relocating his family to Tampa Bay to work alongside his younger brother Greg and his father, Art Jr. Family History Art is a 3rd generation Financial Services Professional. He began is career at New England Financial, A Metlife Company in Tampa, Florida in 1999. Working with his father Art Jr. and brother Greg in the Auto Dealer Market he became a highly skilled and knowledgeable financial/insurance professional. His grandfather, Art Sr., worked at Metropolitan Life Insurance Company in New York City from 1930 to 1977. His father, Art Jr., also worked for Metropolitan Life Insurance Company from 1963 to 1999. His brother Greg started his financial services career with New England Financial, a MetLife company, in Tampa, Florida, in 1989. Greg is now the Managing General Agent for One Team Financial Group, LLC, a OneAmerica Financial Company, also in Tampa. Financial Advisor New England Financial/MetLife - Tampa, FL November 1999 – January 2003 As a Registered Representative with New England Securities, Art helped his clients develop wealth accumulation strategies to protect their financial future. He is committed to providing quality service and building long-term client relationships. He is a Leader’s Conference qualifier, a company honor awarded annually to those Financial Services Representatives who have successfully demonstrated the ability to attract, develop, and retain clients by helping them meet their financial security needs. United States Air Force January 1978 - February 1998 Assignments: Langley AFB, VA - HQ Air Combat Command Osan AB, Republic of South Korea - Pacific Air Forces Hurlburt Field, Florida - HQ Air Force Special Operations Command Davis-Monthan AFB, AZ - Tactical Air Command Rhein-Main AB, Frankfurt Germany, US Air Forces Europe Davis-Monthan AFB, AZ - HQ 12th Air Force Hickam AFB, HI - HQ Pacific Air Forces ***Retired aboard the USS Arizona Memorial on October 18, 1997, Pearl Harbor Hawaii*** Land O Lakes High School Class of 1977 Varsity Football '76 Varsity Baseball '76/'77 Miami Killian High School Junior Varsity Football 74' Junior Varsity Baseball 74'/75' Education: Land O Lakes High School Class of 1977 Community College of the Air Force (CCAF) - Associates Degree Maintenance Production Management University of Phoenix - Bachelors Degree Business Management Awards: 2000 Rookie of The Year - New England Financial/Metlife 2001 Commodore Cup Winner - New England Financial Career School 2007 Top Producing Agency Southeast US - Aetna Medicare Aetna Medicare

Discover Medicare Specialists in Pasco County with Kempton Financial Group. Contact us today! Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Arthur A Kempton, III Principal Agent Medicare & You: The Official Handbook for Medicare published by the U.S. Department of Health & Human Services. We can SAVE You Money on your Medicare Prescription Medications! Extra Help with your Medicare Prescription Drug Costs Find Local Help with Marketplace Health Insurance At KEMPTON FINANCIAL GRP LLC , you can rely on our strong partnerships with insurance carriers and our unmatched understanding of the many Medicare plans available in Tampa Bay & Florida. Our skilled Medicare Specialists thoroughly assess your coverage, helping you understand your current benefits—such as hospital, prescription, and supplemental coverage—and confidently provide recommendations for improved Medicare plan options. Our Medicare Specialists take the time to review your coverage and understand your situation. We look for options that fit your needs and budget. Think of us as your insurance partners, here to help you find your way through Medicare. With our experience, you can feel confident about your choices. Let us help you find the best Medicare Advantage plans for 2026. We’ll handle the research and paperwork so you can focus on what’s important to you. Our goal is to make the process simple and efficient, and to help you get the coverage that fits your needs. You can count on us. Disclaimer: "We do not offer every plan available in your area. Currently we represent 12 organizations which offer 122 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.“ If you're in the market for a: Medicare Advantage Plan Medicare Supplement Insurance Medicare Prescription Drug Plan Health Insurance Long Term Care Insurance Disability Insurance Critical Illness Insurance Dental/Vision Insurance Final Expense Life Life Insurance Annuities or just shopping around... you'll find affordable prices and unbeatable service here !! 1/2 Shop Medicare Insurance from the Safety & Comfort of your Home! We can Complete your Enrollment without a Face-to-Face Meeting! It's SAFE, SECURE, and COMPLIANT!! Call (813) 995-2821 or email ... Your privacy is always important. Your information is NEVER shared, sold, or exchanged with anyone. Medicare Advantage Plans Medicare Advantage Plans offer Hospital Insurance, Medical Insurance, Prescription Drug Benefits plus extras; Dental, Vision, Hearing, Fitness, Transportation, and Over-The-Counter-Items. Request Info Now! Medicare Supplement Insurance You might be able to save money with a Medicare Supplement Insurance plan. Medicare Supplement/MEDIGAP, insurance plans fill in “gaps” in basic benefits left behind by Original Medicare, Part A and Part B, such as deductibles, coinsurance, and copayments. Request Info Now! Medicare Prescription Drug Plans Medicare Part D, also called the Medicare prescription drug benefit, is an optional United States federal-government program to help Medicare beneficiaries pay for self-administered prescription drugs through prescription drug insurance premiums. Request Info Now! Directions Location: 5322 Land O Lakes Blvd Land O Lakes, FL 34639 Contact Information: Email: info@kemptonfinancial.com Direct: (813) 995-2821 Fax: (866) 401-6446 Email Us Subscribe to our Newsletter! Thank You for Visiting! DISCLAIMER: KEMPTON FINANCIAL GRP LLC are licensed and certified representatives of a Medicare Advantage (HMO, PPO and PFFS) organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal. The purpose of this communication is the solicitation of insurance. Contact will be made by a licensed insurance agent/producer or insurance company. Not affiliated with the U.S. government or the federal Medicare program. Plans are not available in all areas and may be subject to underwriting; terms and conditions may apply. Copyright ©202 3 KEMPTON FINANCIAL GRP LLC . All rights reserved. Disclaimer: "We do not offer every plan available in your area. Currently we represent 11 organizations which offer 122 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.“

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Top rated Dental and Vision Insurance Plans that offer comprehensive benefits at affordable prices. Call or email our office today for a FREE no obligation quote. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Dental/Vision Insurance Dental for Everyone Dental Insurance Carriers we write: Aetna C igna Delta Dental HumanaOne Standard Life UnitedHealthOne Request a Quote. Click Here! Vision Insurance Carriers we write: VSP DavisVision HumanaOne UnitedHealthOne Get a Quote: Aetna Dental Insurance Plans Cigna Dental Insurance Plans HumanaOne Dental Insurance UnitedHealthOne Dental Insurance Click on the image below for a FREE No Obligation Quotes:

Learn the true facts about annuities No fees-guaranteed income-highest rates. Get guaranteed income with no market risk. Call us to get a Free quote & compare today! Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Annuities Request Information...Click Here!! Fixed Annuities - are insurance products which protect against the risk of outliving your income. They are insured by licensed and regulated insurance companies, similar to how your home, auto or health is insured. Fixed Index Annuity - is a tax-favored accumulation product issued by an insurance company. It shares features with fixed deferred interest rate annuities; however, with an index annuity, the annual growth is bench-marked to a stock market index (e.g., Nasdaq, NYSE, S&P500) rather than an interest rate. Single Premium Immediate Annuity (SPIA) - is a contract with an insurance company whereby: You pay them a sum of money up front (known as a premium), and. They promise to pay you a certain amount of money periodically (monthly, for instance) for the rest of your life. Immediate Annuity Calculator Annuity Buyer's Guide - Fixed Deferred Annuities NAIC Annuity Guide - Fixed Deferred Annuities Annuity Buyer's Guide - American National Insurance Company Immediate Annuity - Case Study - How it Works

Understand medicare part b costs and enrollment. Talk with a Florida Medicare specialist today. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Medicare.gov The Official U.S. Government Website for Medicare 2023 Medicare Open Enrollment - Florida Fact Sheet Click Here to Request Medicare Plan Information! We Help YOU Navigate the Complexities of Medicare... Disclaimer: "We do not offer every plan available in your area. Currently we represent 10 organizations which offer 102 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.“ We know firsthand that choosing the right Medicare coverage can be complicated and frustrating. To get the most affordable coverage for your specific healthcare needs, trust Us to Help You. We Help You Navigate the Complexities of Medicare Plan choices in your local area and compare them to traditional Medicare. We Analyze plan coverage and provider options to meet your individual preferences. We Help You easily understand costs such as premiums, co-pays, and coverage limits Finally we Simplify the confusing process of enrolling in a Medicare Advantage Plan , Medicare Supplement Insurance Plan or Medicare Prescription Drug coverag e . Choosing the wrong Medicare Plan or Not Enrolling at the right time... can add up to a large amount of money over the years and take a severe Financial Toll. What is Medicare? Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). There are four parts to Medicare – Parts A, B, C and D: Medicare Part A = Hospital Insurance - Inpatient Hosptial Stays, etc. Medicare Part B = Medical Insurance - Oupatient Services; i.e. Doctor Visits, etc. Medicare Part C = Medicare Advantage Plans - HMO, PPO, PFFS, MSA, Costs Plans, Medicare/Medicaid Medicare Part D = Medicare Prescription Drug Coverage Medicare Enrollment Periods You don’t need to sign up for Medicare each year. However, each year you’ll have a chance to review your coverage and change plans. 2023 Annual Enrollment Period (AEP) October 15 – December 7 - every year Anyone can make a change during this time Medicare Advantage Open Enrollment Period (MAOEP) January 1 – March 31 Limited to Medicare Advantage enrollees Can make a one-time election to leave current plan and switch to another Medicare Advantage plan or Original Medicare Can add or drop Part D coverage Initial Enrollment Period (IEP) Initial Enrollment Period (IEP) – The 7-month period when someone is first eligible for Medicare. For those eligible due to age, this period begins 3 months before they turn 65, includes the month they turn 65, and ends 3 months after they turn 65. Coverage begins the month after a person signs up during their IEP. Special Enrollment Period (SEP) In certain special cases, as defined by Centers for Medicare & Medicaid Services, people may enroll in a Medicare plan outside of regular enrollment periods How Does Someone Apply for Part B When the Social Security Office Is Closed? Medicare Part A & B Signup Periods 2020 Medicare Costs at a Glance Costs for Medicare Advantage Plans How Medicare Works with other insurance? Retiree Coverage? Getting Started with Medicare Sign up for Medicare through Social Security If you're over 65 (or turning 65 in the next 3 months) and not already getting benefits from Social Security, you need to sign up to get Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) . You won't get Medicare automatically. Apply for Medicare Online @ SSA.gov If you already get benefits from Social Security, you'll get Medicare Part A and Part B automatically when you're first eligible and don't need to sign up. Medicare will send you a "Welcome to Medicare" packet 3 months before you turn 65. You'll still have other important deadlines and actions to take, so read all of the materials in the packet. (If you live in Puerto Rico, you'll only get Part A. If you want Part B, you need to sign up for it.) There are 2 main ways to get Medicare coverage: Medicare Parts A/B = Original Medicare. Original Medicare Card is Red, White, Blue with your Name, Part A/B effective dates and Medicare #. 1. Original Medicare – Includes Part A and Part B. You can use any doctor or hospital that takes Medicare, anywhere in the U.S. If you want drug coverage, you can join a separate Medicare Prescription Drug Plan (Part D) . To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also shop for and buy supplemental coverage like a Medicare Supplement Insurance (Medigap) policy . Medicare Supplement Insurance Plans (Medigap): AARP Medicare Supplement Insurance Plans from UnitedHealthcare Insurance Company AARP Medicare Supplement Insurance Plan - PRESENTATION - FLORIDA Aetna Medicare Supplement Plans - FLORIDA Humana Medicare United American Life Insurance Company - FLORIDA If you don't get Part D or a Medigap policy when you're first eligible, you may have to pay more to get this coverage later. For Part D, this could mean a lifetime premium penalty . 2. Medicare Advantage – An "all in one" alternative to Original Medicare. These "bundled" plans include Part A, Part B, and usually Part D. Most plans offer extra benefits that Original Medicare doesn't cover – like vision, hearing, dental, fitness memberships, over-the-counter-items and more. Plans may have lower out-of-pocket costs than Original Medicare. In most cases, you'll need to use doctors who are in the plan's network. Have you heard of the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA)? Here is what you need to know: MACRA makes changes to all carriers’ Medigap policies that cover the Part B deductible for newly eligible Medicare Beneficiaries on or after January 1, 2020. Medicare supplement plans C and F, which cover the Medicare Part B deductible, will no longer be offered to individuals newly eligible for Medicare as of January 1, 2020, or later. This means that anyone turning 65 on or after January 1, 2020, will only be able to purchase plans C or F if they have a Medicare Part A effective date prior to 2020. Medicare supplement plans C and F will continue to be available for individuals eligible for Medicare prior to January 1, 2020. Therefore anyone who turns 65 before January 1, 2020 may continue to enroll in or keep plans C or F. Plan G may be a great option for newly eligible Medicare Beneficiaries after January 1, 2020 AARP® Medicare Supplement Insurance Plan G, insured by UnitedHealthcare® Insurance Company, covers the same benefits as Plan F with the exception of the Medicare Part B deductible. Looking for additional MACRA information? You may also view the Fact Flyer HERE .

Understanding the Importance of Long-Term Care Planning can provide FREEDOM and PEACE OF MIND. Over 50% of seniors age 65 or older will need Long-Term Care/extended care. Ask us about Asset-Based Long-Term Care Insurance policies from OneAmerica. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Understanding the Importance of Long Term Care Planning LTC Caregiver Resources Federal Government Caregiver Resources LongTermCare.gov Things You Should Know Medicare only pays for long-term care if you require skilled services or rehabilitative care and Medicare does not pay for non-skilled assistance with Activities of Daily Living (ADL), which make up the majority of long-term care services. Long Term Care Glossary of Terms Long Term Care Insurance Avoid a Substandard Nursing Home... Get Long Term Care Insurance What is Long Term Care Insurance? Request Free Information! While most, if not all, states offer some kind of state-run long term care facilities, it is almost always a better idea to go for private ones. The catch is that private nursing homes and rehab facilities can be quite expensive. Therefore, it's essential that you prepare for this potential cost before you actually need this type of health care. Long term care insurance is your best bet for making sure that cost won't keep you from getting the highest level of care in the event of a debilitating illness or catastrophic injury. This is something you should be thinking about right now, no matter what your age. While nursing homes are thought of as being for "old folks," the fact is that an injury can put you into one even if you're only 20, and you may be there for a long time before you recover. Therefore, long term care insurance is not something that only applies to the elderly. This is especially true if you have a riskier lifestyle, such as one that involves sports where head and neck injuries are common. One thing you can do for your old age in particular is invest in annuities. These are meant to protect against outliving your income. They pay a fixed amount every month or year once they mature. When used as a hedge against post-retirement poverty, annuities are typically timed so that they mature right around retirement age. When you have them, you can rest assured that you'll get a certain amount of income no matter how long you live, at least if you keep the underlying securities intact. Start buying them early enough, and you can end up with great checks once you're a senior citizen. Long-term care is a range of services and supports you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs) , such as: Bathing Dressing Using the toilet Transferring (to or from bed or chair) Caring for incontinence Eating Other common long-term care services and supports are assistance with everyday tasks, sometimes called Instrumental Activities of Daily Living (IADLs) including: Housework Managing money Taking medication Preparing and cleaning up after meals Shopping for groceries or clothes Using the telephone or other communication devices Caring for pets Responding to emergency alerts such as fire alarms

Top Rated Medicare/Health Insurance Agency in Pasco County. We provide medicare and health insurance plans from all major carriers in Florida. Our recommendations are unbiased and meet your healthcare needs and budget. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Health Insurance Marketplace Trained and Certified...11 th Year of Service in Florida/Tampa Bay! 2020-2022 Circle of Champions Find Local Help with Marketplace Health Insurance ACA Yearly Income Calculator Use this calculator to calculate your Yearly Income 2020 ACA Yearly Guidelines and Thresholds Health Savings Accounts (HSA) for Dummies - eBook Health Savings Accounts in Retirement - eBook 2023 Marketplace Carriers Ambetter Florida Aetna CVS Health AvMed FloridaBlue Health First Oscar Health Florida UnitedHealthcare Short Term Medical Insurance from UnitedHealthOne Golden Rule Insurance Company Health Protector Guard underwritten by Golden Rule Insurance Company ** Watch the Video Hospital/Doctor Indemnity Insurance Plans from Golden Rule Insurance Company Health Insurance Health insurance covers medical expenses for illnesses, injuries and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. So, what’s health insurance for and why do you need it? Because accidents or health problems can happen at any time Medical expenses can be high—they’re the number one cause of bankruptcy To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies To pay and keep track of medical payments quickly and easily To safeguard your way of life and your family’s physical and financial wellbeing Find an Affordable Health Plan...Click Here! What is the Health Insurance Marketplace? The Health Insurance Marketplace is a resource where individuals, families, and small businesses can: Compare health insurance plans for coverage and affordability. Get answers to questions about your health care insurance. Find out if you are eligible for tax credits for private insurance or health programs like Medicaid or the Children’s Health Insurance Program (CHIP). Enroll in a health insurance plan that meets your needs. The Marketplace is available online at: Healthcare.gov . Understanding Health Insurance Terms We know health insurance has its own language with different terms, like “deductibles,” “coinsurance” and “copayments.” Once you get a good grasp on some of these basic terms, you’ll see how simple health insurance can be. Let’s start by defining these terms: Deductible: This is a set amount you have to pay toward your medical bills every year before your insurance company starts paying. It varies by plan and some plans have no deductible. Premium: This is the amount you pay your health insurance company to keep your coverage active. Most people pay their premium monthly. Coinsurance: This is the percentage of your medical bill you share with your insurance company after you’ve paid your deductible. Unless you have a policy with 100 percent coverage for everything, you have to pay a coinsurance amount. For example, if you have a $100 doctor’s bill and your plan covers 80 percent of it, your coinsurance amount due to the doctor’s office is 20 percent, or $20. Copayment (or “Copay”): Your copayment, or copay, is the flat fee you pay every time you go to the doctor or fill a prescription. It’s usually a relatively small dollar amount. Copays do not count toward your deductible. There are other insurance terms that may be confusing to you, but starting with these four is a good foundation. You can always check our glossary for more terms and definitions. Short Term Medical Insurance TriTerm Medical Offers: 3-Year Short Term Underwritten by Golden Rule Insurance Company Preventive Care Coverage: You don't have to be sick to access care. After 6 months on the plan, take your family to the doctor for wellness checks -- a $200 benefit per term, per person. Doctor Office Coverage: Doctor visits are covered on all TriTerm Medical plans. With some plans, your first 4 doctor visits (per term, per person) cost $50 each with no deductible to meet. Prescription Coverage: All TriTerm Medical plans have prescription coverage. Copay Select plans have a $25 copay for common (Tier 1) prescriptions.

Protect your Family's Future with life insurance from a Top-Rated carrier for pennies a day. We help you understand plan types and policy options. Call our office today for a free consultation/quote. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Life Insurance Awareness Month is NOW! What You Need to Know About Life Insurance Guaranteed Life Insurance If you are between the ages of 45-80 years old, you are guaranteed acceptance, regardless of your health. Life Insurance Calculator The NAIC can assist consumers in locating life insurance policies and annuity contracts of a deceased family member or close relationship. Life Insurance - Living Benefits Video from AIG Life Insurance What Is Term Life Insurance? Term insurance is life insurance coverage that is in eff ect for a specified period (or term), after which the insured typically has the option to renew the policy (up to a maximum age). Term policies are said to provide “pure” insurance protection since they provide a death benefi t only—no cash values accumulate in the policy, as they do with permanent insurance. IF EVERY WIFE KNEW WHAT EVERY WIDOW KNOWS, NO HOME WOULD BE WITHOUT ADEQUATE LIFE INSURANCE. Author Unknown... Request a Quote How Does It Work? The insured chooses the term of the policy—typically ten years, fifteen years, twenty years or longer. When the specifi ed term ends, the insured can usually choose to renew the coverage up to some maximum age without proof of insurability. The premium for the new term is adjusted upward, reflecting the insured’s age at renewal. For younger insureds, the premium cost of term insurance is less than the premium cost for the same amount of permanent insurance, since permanent policies build cash values with the additional premium paid. Term life insurance premiums rise at each renewal, and the increase can be quite dramatic as the years go by. To alleviate the eff ect of rising premiums, insurers off er level premium term policies. The premium for level term remains constant for the term the policy is in eff ect. And while the premium at the beginning is higher than the insured would pay for a term policy that doesn’t have this feature, the insured isn’t subject to increases in the later years of the policy term. What Are the Different Types of Term Insurance? Level term insurance maintains the same amount of insurance coverage for a level annual premium over a period of years. Decreasing term insurance gradually reduces the amount of insurance over the policy period. Increasing term insurance gradually raises the amount of insurance over the policy period. What Are the Disadvantages of Term Coverage? Unlike permanent life insurance, term insurance doesn’t build cash values. There is no “savings” element that can be available for future needs, emergencies or retirement. Term insurance premiums increase each time the policy is renewed. They can climb sharply as an insured ages. What Are the Benefits? Term life insurance coverage provides needed protection at a lower initial cost, and may be renewed without proof of insurability. What is Whole Life Insurance? Whole life is cash value insurance that stays in effect as long as premiums are paid. This sets it apart from term insurance, which is for a specified term only and must be renewed at the end of each term. Premiums are paid for the whole of the insured person’s life or until the insured reaches a specifi ed maximum age. A variation of whole life offered by some insurance companies is limited-pay life, where premiums aren’t paid over the insured’s lifetime, but for a limited period of time. When that period is over, the insurance remains in effect with no further premium payments. Typical limited-pay types are 10-pay, 20-pay, 30-pay and life paid up at 65. A 10-pay policy means premiums are paid for 10 years, 20-pay for 20 years, and so forth. The payment period for a life paid up at 65 policy is the number of years between policy’s inception and the insured’s age 65. How Does Cash Value Insurance Work? Whether whole life or limited-pay life, cash value life insurance has several characteristics that differentiate it from term insurance: Protection continues for a lifetime as long as the premiums are paid. Premiums—except for limited-pay policies—are paid for as long as the insured lives. Premiums remain level throughout the payment period. Part of each premium goes toward a cash value that gradually increases over the life of the policy. The net cash values are available to the policyowner in the form of policy loans and surrender value. If a policy is “participating,” the insurance company pays dividends whenever possible. Dividends aren’t guaranteed, but are paid when the company has good results from claim experience, investment income and/or expense management. When dividends are paid, the policyowner has the option to receive them in one of several ways. Cash value insurance policies also have nonforfeiture options that ensure the policyowner won’t lose—or forfeit—all of the money paid into the policy if unable to continue paying premiums. What Are the Benefi ts? Whole life insurance never has to be renewed as long as scheduled premiums are paid on time. The policyowner is assured a predictable, level premium. A savings element is a feature of the policy in the form of the accumulating cash values. Some policies include the potential to receive dividends as a return of premium.

You might be able to save money with a Medicare Supplement insurance plan. Medicare Supplement, or Medigap, insurance plans fill in “gaps” in basic benefits left behind by Original Medicare, Part A and Part B, such as deductibles, coinsurance, and copayments. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics What is a Medicare Supplement Insurance? Should You Buy a Medicare Supplement Insurance Plan? Request FREE Information Click Here! Medicare supplement insurance, often referred to as "Medigap" health insurance, takes care of the health care bills left owing after Medicare is done paying. These bills arise due to coinsurance and deductibles. For Medicare Part B, your coinsurance is currently 20 percent. Depending on the condition you are treated for, that can still amount to many thousands of dollars. People get Medicare supplement insurance to avoid suddenly being on the hook for huge amounts of money like that. That said, not everyone will find that they really need Medigap health insurance. This is simply because not everyone will have an expensive condition to treat, even in advanced age. Because of this, it is common for people to evaluate their need for it based on a few factors. One is their current general health. Someone who is "as healthy as a horse" is relatively safe in not adding Medigap coverage. Meanwhile, a person who is frail, feels generally unhealthy, or already has an ongoing condition will likely find it worth it to add the extra protection. A feeling of general unwellness or lack of strength is a warning bell that something expensive may well be coming up, so buying Medicare supplement insurance is a good bet in these cases. After a certain age, Medicare supplement insurance is always a good idea. That's because no matter what we do, human bodies eventually develop problems. While some manage to make it through life with no lingering illness, it's more common for costs to mount near the end. Then, having extra coverage not only protects you from financial worry, but saves your heirs from dealing with lingering bills. Since you never know what will happen in your last few years, getting plenty of health insurance is a good idea.

Understanding the Importance of Long-Term Care Planning can provide FREEDOM and PEACE OF MIND. Over 50% of seniors age 65 or older will need Long-Term Care/extended care. Ask us about Asset-Based Long-Term Care Insurance policies from OneAmerica. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Long-Term Care Insurance Buyer's Guide U.S. Government Website for Long-Term Care 2019 Cost of Care Survey by Genworth Financial Long Term Care U.S. Department of Health and Human Services - longtermcare.gov When Does Medicare Pay for Long-term Care Services? Understanding the Importance of Long Term Care Planning Long Term Care Insurance Video from AIG LTC Planning Resources Long Term Care Insurance Cost of Care from State to State Long-Term Care Insurance Most people don't know what long-term care is until they or someone they love need it... What is Long Term Care? Long term care is the care you may need if you are unable to perform daily activities on your own. That means things like eating, bathing, dressing, transferring and using the bathroom. The goal of long term care is to help you maintain your lifestyle as you age. Medicare, Medicare supplement insurance, and health insurance you may have at work usually won’t pay for long term care. Request Free Info Why Would You Need Long Term Care? A need for long term care may result from accidents, illnesses, advancing aging, stroke, or other chronic conditions. Unlike traditional health insurance, Long-Term Care Insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them. The cost of your long-term care policy is based on: How old you are when you buy the policy The maximum amount that a policy will pay per day The maximum number of days (years) that a policy will pay The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay. Any optional benefits you choose, such as benefits that increase with inflation If you are in poor health or already receiving, long-term care benefits you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate. Some group policies do not require underwriting. People are living longer than ever before. But as you age, the chance that you’ll need help to manage a chronic illness or disability also increases. In fact, according to the U.S. government, almost 70% of those 65 and over will require some type of long-term care. While private health insurance and Medicare will help pay hospital and doctor bills, they won’t typically cover the costs associated with extended in-home or nursing facility care, which, at $40,000-$80,000 per year, can quickly run through your personal savings. See how long-term care insurance can help protect your nest egg and save you from becoming a burden on loved ones. Ways to Pay for Long-Term Care if You Can't Afford Insurance Open a health savings account . Workers who have qualified high-deductible health insurance plans can open a health savings account , or HSA, to pay for future long-term care costs. In 2018, individuals can deposit up to $3,450 in tax deductible contributions to an HSA . Those with family insurance plans can deduct up to $6,850 in contributions. What's more, those age 55 and older can contribute an additional $1,000 to their account. Money in an HSA rolls over from year to year, and withdrawals are tax-free if used for qualified health care expenses, including long-term care and long-term care insurance premiums. Read: Medicare Premiums Increase for Many Retirees in 2021 . If eligible, take advantage of veteran benefits. When my grandmother needed long-term care, our family turned to the U.S. Department of Veterans Affairs. Veterans who have served in qualified periods of conflict, as well as their spouses, are entitled to receive financial aid, known as the Veterans Affairs Aid and Attendance, or A&A benefit , to pay for long-term care. "It's a great benefit most people don't know about,". Once you've been approved for a Veterans Affairs pension, apply for the benefit by writing to your Pension Management Center. Medicaid. When all other options are exhausted, the government will help pay long-term care costs, but not in the way many people expect. "A lot of people think Medicare will pay, and it doesn't, While Medicare will pay for some nursing home care after a hospitalization, that coverage is limited . "After 100 days, [Medicare beneficiaries] are totally on their own." However, Medicaid will pay for ongoing long-term care needs. The catch is that a person must deplete almost all financial resources first. Medicaid eligibility varies by state, but typically seniors can't have more than $2,000 in liquid assets. While many states exclude one vehicle, principal residences and small life insurance policies from their Medicaid eligibility criteria, estate recovery laws allow for these assets to be seized after a senior's death to reimburse the government for the cost of a person's care. I believe one of the biggest drawbacks of using Medicaid to pay for long-term care is the fact that not every facility accepts Medicaid patients and only traditional nursing homes are covered. "The thing with Medicaid [is] you don't get to choose [where to live], and assisted living is not an option," she says. Regardless of how you plan to pay for long-term care, experts urge people to write down their wishes and share them with family members. Otherwise, relationships can be irreparably damaged as children and other relatives grapple with how to take care of an ailing loved one. "I see that happen a lot with my clients, It can get really ugly, really fast." [See: 10 Ways to Make the Most of Medicare .] Long-term care costs will be a reality for many Americans, but you have options. Determine what works best for you and your family long before it's time to make tough decisions about where and how long-term care will be provided. Types of Long-Term Care Insurance Traditional Long Term Care Insurance Hybrid Long Term Care Insurance

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