There are two types of fixed annuities, immediate and deferred. An immediate annuity is exactly what the name implies, a contract with the insurance company to begin receiving income IMMEDIATELY. You have several income options with an immediate annuity. You can have income paid for a specific period of time OR you can choose to
If you’re interested in learning about ways to lower your health insurance premiums, you may be interested in hearing about a new type of insurance plan that is becoming more popular these days: Health Savings Accounts, or HSAs in California and other states. These are modified PPO plans that provide comprehensive coverage but with a
The question always comes up when discussing a family’s life insurance needs, “whole life or term”? For the 95% of families that need to secure “income replacement” life insurance coverage the answer is unequivocally TERM coverage. These families don’t need the cash accumulation and low face value permanent insurance, they need as much death benefit
Life insurance is one of those topics like religion and politics we are conditioned NOT to talk about. However, that being said life insurance is a necessary and invaluable tool in your financial portfolio, if used correctly. Regardless of what your financial planner/advisor tells you there are only two reasons for life insurance and they
Choosing the right health insurance plan is one of the most important decisions you will make in your lifetime. For two critical reasons, first your choice of plan will determine the healthcare treatment you or a family member will have access to should they need medical attention AND secondly your choice can protect your family’s
Choosing the right life insurance plan is one of the most important decisions you will make in your lifetime. For two reasons, first proper life insurance coverage can guarantee that your loved ones will not have to suffer financially should the unspeakable occur and there’s a premature death of one of the parents. Secondly, life
One of the easiest ways to immediately lower your health insurance premiums is to adjust the deductible on your plan. The deductible on a plan is the amount you are responsible for BEFORE the health insurance company starts paying. The general rule of thumb is the higher the deductible on the plan the lower the
After years of recommending annuities to clients, I am still amazed at how misunderstood the product is. It’s evident to all of us in the financial services industry that banks have done a terrific job of marketing CDs and insurance companies have done a terrible job at marketing and educating the general public about annuities.
Just Us Insurance is a full-service Insurance agency, offering a wide range of Annuities, Health, Group Health, Dental, & Life Insurance Products. We represent all major Insurance carriers, customizing plans to fit the needs & budget of our clients. Choosing an insurance plan can be one of the most complicated decisions someone has today, so
We are Not Affiliated with or endorsed by the government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 15 Insurance carriers in 30 states with over 1000 + National plans. Please contact Medicare.gov, 1-800-Medicare or your local State Health Insurance Program to get information on all your options.
