Broker Check

Insurance Planning

Life Insurance

Life insurance is a crucial aspect of financial planning, providing peace of mind and financial security to your loved ones in the event of your passing. However, navigating the complexities of life insurance can be overwhelming. That's where a life insurance broker comes in.

Here are a few reasons why using a life insurance broker like us can be highly beneficial:

  1. Expertise and Guidance: Our experienced brokers have in-depth knowledge of the life insurance market. We understand the nuances of different policies, coverage options, and underwriting processes. We'll leverage our expertise to guide you through the selection process, ensuring you make informed decisions that align with your goals.

  2. Access to Multiple Providers: As independent brokers, we have access to a wide range of insurance providers and policies. This means we can shop around on your behalf to find the most competitive rates and comprehensive coverage options available in the market.

  3. Customized Solutions: We recognize that every individual and family has unique insurance needs. Whether you're looking for term life insurance, whole life insurance, or specialized coverage, we'll work closely with you to tailor a solution that meets your specific requirements and budget.

  4. Personalized Service: Unlike dealing directly with an insurance company, working with a broker offers personalized service and ongoing support. From the initial consultation to policy issuance and beyond, we'll be by your side every step of the way, providing assistance, answering questions, and advocating for your best interests.

Ready to take the first step towards securing your family's future? Contact us today to schedule a consultation with one of our knowledgeable brokers. Together, we'll design a life insurance plan that provides the protection and peace of mind you deserve. Your family's financial security is our top priority.

- contact us today to find out how.

Long-Term Care

Long-term care planning is an essential part of every financial plan. According to the U.S. Department of Health & Human Services, 70% of Americans over age 65 will need some form of long-term care during their lifetimes. The challenge is how to pay for it. Fortunately, there are now a multitude of new products on the market, designed for different budgets and different long-term care needs.

Medicare doesn’t pay for long-term care. Medicare provides only extremely limited coverage for nursing home and home healthcare.

Medicare Part A covers up to 100 days of post- hospitalization, skilled nursing care for patients hospitalized for more than 72 hours and who moved to a facility within 30 days.

Medicaid only pays for long-term care for the poor. Medicaid only pays for long-term care after both spouses have spent down assets. Medicaid is a form of welfare and is the safety net for millions of Americans who cannot pay for healthcare

There are Three Main Types of Long Term Care Policies:

1. Traditional LTC: In traditional long-term care polices, premiums are forfeited to the insurance company if benefits aren’t used during life.
• Return-of-premium riders are available, but because they can add more than 50% to premium costs, they have not caught on.

2. LTC life: With combination life insurance, the beneficiary can collect the death benefit when the insured dies, or the owner can access the cash value during life.
• Because of this flexibility, LTC life has soared in popularity.

3. LTC annuity: With a LTC annuity, unspent funds belong to the owner and can also be withdrawn, subject to early surrender fees, or passed on to the beneficiary.
• Annuities with LTC riders are much less available than life insurance policies with LTC riders

Aspen Financial can help you tailor your financial security plan so it protects your income through long-term care and disability insurance. Contact us today to find out how.

Critical Illness Insurance

In today's unpredictable world, facing a critical illness can be emotionally and financially devastating. Critical illness insurance provides a valuable safety net, offering financial support when you need it most. But with so many policy options available, choosing the right coverage can be daunting. That's where a critical illness insurance broker comes in. Here's why working with us can be advantageous:

  1. Specialized Expertise: Our brokers are well-versed in the nuances of critical illness insurance. We understand the intricacies of different policies, coverage limitations, and claim processes. With our expertise, we'll guide you through the maze of options, ensuring you understand the fine print and select a policy that aligns with your needs.

  2. Access to Leading Providers: As independent brokers, we have access to a wide network of insurance providers offering critical illness coverage. This allows us to shop around on your behalf, comparing policies from multiple insurers to find the most comprehensive coverage at competitive rates.

  3. Tailored Solutions: We recognize that no two individuals are alike, and neither are their insurance needs. Whether you're seeking coverage for cancer, heart disease, stroke, or other critical illnesses, we'll work closely with you to tailor a solution that provides the right level of protection for your circumstances.

  4. Personalized Service: Choosing critical illness insurance is a significant decision, and we're here to support you every step of the way. From the initial consultation to policy selection and ongoing assistance, our brokers offer personalized service and dedicated support, ensuring you feel confident and informed throughout the process.

  5. Financial Security and Peace of Mind: With the right critical illness insurance in place, you can have peace of mind knowing that you and your family are protected against the financial impact of a serious illness. Whether it's covering medical expenses, replacing lost income, or easing the burden of caregiving costs, your policy can provide valuable financial security during challenging times.

Ready to safeguard your financial future against the unexpected? Contact us today to schedule a consultation with one of our experienced brokers. Let us help you find the critical illness insurance coverage that gives you the peace of mind you deserve.

Vision Insurance

VSP has $150 annual allowance for glasses, savings on top eyewear brands, prescription lenses, and access to the largest independent doctor network with comprehensive eye exams for a small copay.

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Dental Insurance

Delta Dental offers several plans from Basic to Premium. Plan Dollar Maximums range from $0 to $2,000 per person per year.  Wait periods may apply for some services. Delta Dental offers in-network and out-of-network coverage.

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Accident Insurance

Many health policies have a high deductible due to the constant increases in health care costs. Accident Insurance provides coverage 24 hours a day - worldwide - while on business or pleasure. With multiple coverage amounts available, these benefits reimburse medical expenses up to the maximum elected if an accidental bodily injury causes an insured person to incur medical expenses for care and treatment of the accidental bodily injury within 90 days after an accident.

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Travel Insurance

This plan covers you for accidents, illnesses, and emergency evacuation while traveling overseas. The plan allows you to upgrade for Accidental Death and Dismemberment, Crisis Response Coverage, and Personal Liability Coverage for an additional charge. 

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MedjetAssist® is the premier air medical transport membership program for travelers. If you are hospitalized 150 miles or more from home, Medjet will arrange air medical transport all the way back to your hospital of choice in your home country — regardless of medical necessity.

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Azimuth offers a travel medical product, as well as a major medical plan. The Meridian plan is a major medical that allows one to choose worldwide coverage. This plan provides coverage if you live outside of the U.S. for half of the year, or you are planning to work overseas.

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This plan covers you for new accidents and new illnesses, as well as pre-existing conditions, provided you have a primary health plan, including Medicare. They also have frequent travel plans for those who travel frequently outside of the U.S.

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