Frequently Asked Questions

What is the difference between a broker and a "captive agent"?
A captive agent works for only one insurance company. A broker represents the client.
What is the difference between Medicare supplement and MediGap?
There is none, they are synonymous.
How much Long Term Care does my Medicare cover ?
None, Medicare does not cover any custodial care.
What is the difference between Whole Life and Term insurance?
Whole life is permanent and builds cash value. Term is for a specified number of years with the option to pay higher premiums at the end of the term to keep the policy active.
How can I participate in the growth of the market with no market risk?
We have multiple options that have a specified minimum guaranteed rate of return.