Preparing policies based on the client’s situation and needs. At Lifetime Insurance Solutions we are always looking to maximize our clients’ overall coverage, keeping their family & budget in mind first and foremost. After that, duration of coverage is factored in. We advise our clients to think long term: what is best for you now & potentially 20 years from now. Permanent Life Insurance gives you options down the road to use the cash buildup for unforeseen expenses or to supplement your retirement.

Your eligibility for Medicare when you turn 65 needs advanced planning. Medicare allows you to apply for Medicare Part B three months in advance of turning 65. United American allows you to apply for the Medicare Supplement plan up to six months in advance. What works best for you? Medicare Supplements allow people the freedom to choose their own doctors and go to any hospital. Supplements can provide freedom from networks, the need for referrals or being turned away for preexisting conditions. Medicare Supplements also have foreign travel benefits should you need care while traveling overseas. Ask us how to get the care you deserve. Visit our Medicare page for more information or www.medicare.gov.

What would happen to your business in the unfortunate situation of a premature death? Lifetime Insurance Solutions can provide Key Man Insurance, Buy-Sell coverage, or help clients utilize Entity-Purchased Life Insurance. Let us help you navigate these unforeseen circumstances.

Planning for parents that can no longer care for themselves puts undue stress on families. If you have addressed these issues with an Indemnity policy, it is very important to review them on an annual basis. Lifetime Insurance Solutions can evaluate and recommend new hybrid policies that are more suitable as a long term solution.

The expression, “A penny saved is a penny earned,” comes to mind when thinking about retirement planning. Pensions are very rare, and the responsibility of retirement planning falls on the individual. A long term plan for retirement that fits comfortably within your budget is key. Let Lifetime Insurance Solutions show you how to efficiently plan for your future.

The importance of this insurance cannot be understated. Vision, Hearing and Dental care affects your quality of life. Unforeseen situations can be painful, inconvenient and expensive. Basic Medicare does not cover dental, vision or hearing expenses.

Regardless of the age of your children, the time to begin planning is NOW. The sooner you start, the easier, faster and more cost efficient it will be. Proper Financial Planning is needed for this tremendous expense and obligation. Ask yourself this, “Do I want to pay full retail price for my child’s education or is it worth finding ways to reduce your out-of-pocket expenses for my child’s education?”

Is your ability to make a living insured? If something happened to you due to an accident or illness and you were no longer able to work, would you be able to pay your bills? How long would it take to deplete your savings paying your mortgage or rent, car payments, utilities, medical bills and other common monthly payments? Lifetime Insurance Solutions can help you plan for potential injury or illness.