United American Insurance

Insurance can be confusing, especially when comparing life insurance and annuities. Life insurance is meant to protect your family should anything happen to you, while annuity contracts are there to help provide consistent and reliable income for life. At iWill Advisors, we know how complicated this can be, as there is so much fine print to be aware of. Instead of choosing your path alone, allow experts with years of experience to help guide you to the best option. Many individuals aren’t entirely sure what they’re getting, but with the best advice in South Florida, we can help you compare and choose efficiently.  

 Call Today for Life Insurance Help!

There are many benefits to choosing life insurance. As mentioned, life insurance ensures that you are leaving behind financial assistance for your loved ones. When we think about passing away, we may have an overwhelming concern for the wellbeing of our families, especially if we’re the main caretaker and provider. This can be troubling. However, with life insurance, you can at least rest with ease in knowing that you’re setting your family up for a secure and safe future. On some life insurance policies, you earn interest. The benefit to life insurance is that it cannot be taxed. Another additional benefit is that it’s essentially like a bank account, where the money can be withdrawn.  

Then, there are also benefits to annuities. Essentially, annuities are a contract, and through this contract, you agree to pay certain payments. There are different options, as far as paying it all up front or in small pieces. Then, the insurance company makes payments back to you at a later date. Sometimes these contracts last a certain time period, but at least those with annuities can confidentially say that they will always be getting paid a salary. This is generally the best option for those who are older, and want to ensure that their savings will last.  

If you’re looking into life insurance and annuities in South Florida, then we encourage you to come talk with us. At iWill Advisors, we’re aware of how confusing this all can be, and we’re here to help our customers feel confident and sure of the choices they’re making. Don’t choose such important insurances alone. Instead, find peace of mind in our knowledgeable and friendly staff. Call iWill Advisors today! 

When it’s time to shop around for insurance, the options available can be overwhelming. There are many types available today that are difficult to understand. Insurance in general is a tough topic for many individuals, especially if it’s not something you deal with every day. At iWill Advisors, our team of unbiased staff can sit down with you, and help point you in the right direction. It’s important to us that we understand the needs and financial limits of our clients. By knowing what you’re searching for, we can give you advice, as well as make the options less confusing for you.  

At iWill Advisors, we represent many insurance carriers such as AARP, United Health, Care Plus, Humana, WellCare, SilverScript, Preferred Care Partners, Aetna, Coventry, United American, any many, many more. We also offer different services. Here are a few: 

Medicare

Medicare is one of the most popular insurance options to date. Offering four branches within Medicare, there really is an option for almost everyone. At iWill Advisors, we offer comparisons from many different carriers to ensure that you’re receiving the best rate possible. Medicare includes Original Medicare, Medicare Supplement Plan, Part-D Prescription Drug Plan or Medicare Advantage Plan. 

Long Term Care

Most of us all end up needing long term care at some point. As we get older, we may need to look into options for assisted living or nursing homes. Many individuals don’t know that Major Medical and Medicare do not cover these items, which can cause a rude awakening when it comes time to assess these pressing issues. However, there are many options for those in need.  

Life Insurance

Life insurance is one of those insurances that is crucial to have, and for a number of reasons. The most unanimous reason is that life insurance ensures that your family members will be safe and secure, even after you passing. For those who are the major providers for their families, there may be some concern over home the family will survive. At iWill Advisors, we can help you look through your many choices. 

If you’re looking for the best insurance provider in South Florida, iWill Advisors has you covered. We know that this is not an easy topic, nor is it straightforward. By hiring our unbiased professionals, we can assist you in making sure that you’re picking a policy that makes the most sense, while also making sure you’re getting the best deal possible. If you’re in need of insurance, please come and see us. This is not something to wait on. 

Insurance can be a complicated topic, as everyone is looking for something different. With so many options, it can be difficult to know where to start, where to look, and to know what you’re ultimately looking for. At iWill Advisors, we provide some of the best quotes, comparisons, and advice.  

Here are 4 Medicare options: 

Original Medicare

Known as a fee-for-service program, this type of Medicare is linked with the government. Unlike other healthcare options, with Original Medicare, you are paid directly. There are also limits on what one can and cannot be charged with Original Medicare.  

Medicare Advantage Plan

Unlike the above alternative, this option is linked to private companies. While Medicare Advantage Plans provide both Part A and Part B, there are many ways to use this insurance efficiently.  

Medicare Supplement Plan

Also linked to private companies, Medicare Supplement Plan helps with paying deductibles, co-payments, and coinsurance. Original Medicare won’t cover these additional payments, so having this option available is useful. Another important piece is that this plan is not available to families, as it may only be purchased individually.  

Part-D Prescription Drug Plan

If you or a loved one is need of constant medication, then this may be the best option for you. Medicine is expensive, especially if it’s being purchased frequently. Another way to decide that this may be the best choice for you is if you’re currently paying a monthly premium, co-pay, or annual deductible.  

With so many options to choose from, you may find yourself extremely overwhelmed. Our professionals can sit down with and show you some of the most popular Medicare options such as Coventry, Silver Scripts, Humana, Wellcare, Aetna, and United American. When our clients attempt to look for options themselves, they end up feeling as though they aren’t sure which Medicare choice is right for them. There are many questions to ask yourself. You’ll want to decide what coverage options are best, which could be better, and what insurance options fit into your price range. Instead of dealing with the stress, call the experts! 

At iWIll Advisors, we help people find Medicare options that work for them. With many years of experience and practice, we encourage those looking into Medicare to not go through this process alone. We have the knowledge you may need to make the best decisions for you and your family. If you’re looking for Medicare options in South Florida, please call us today! 

When it comes to insurance, it can be tough to know what you’re getting and how much it covers you. At iWill Advisors, we know that many other individuals out there are looking for assistance on insurance. With extensive knowledge, friendly staff, and advice you can trust, it’s clear to us why we’re one of South Florida’s favorites. One of the most important insurances to have is life insurance. If you’re looking to acquire your own life insurance in South Florida, here are five reasons to have it.  

PROTECTION

If you’re the primary caretaker for you family, then you’ll most certainly want life insurance. If anything were to happen to you, you’ll want to know that your family is protected and safe. When the main caretaker of a family passes, it’s essential that there is financial assistance to those they’ve left behind.  

AFFORDABLE

The wonderful news about life insurance is that it’s actually very affordable. While we know that everyone has a different budget, there are options for all families.  

RELIEVE STRESS

Many individuals wonder what will happen to their family should they pass away. Though the loss would undoubtedly be tough, at least you know that they are cared for. This takes away a large burden at the end of one’s life, and ensures that no matter what happens, their loved ones are going to be financially secure.  

CASH VALUE

Permanent policies for life insurance ensure that your loved ones can use the money like cash. This is extremely beneficial for family members, as they’ll be able to buy, pay, and invest in necessary needs. 

At iWill Advisors, we’ll sit down with you and review your needs. Once we have a general understanding about what you’re looking for, we can help you pick the best life insurance policy for you. There are many different options, but with trusted advisors on your side, you can rest easy knowing that you picked the best. It can be scary to choose life insurance, as it’s not a simple coverage. In fact, it may be the most important insurance you’ll ever own. That’s why we offer years of experience and service to assist individuals with all of the their insurance questions, concerns, comparisons, and needs. If you’re looking for life insurance in South Florida, don’t go through the search alone. Call the experts today! 

Did you know that almost 20% of America’s GDP goes towards healthcare? That’s a large percentage! Heath care is a common topic, especially in today’s world, and the options certainly haven’t gotten easier. Another downside to health care is that it’s incredibly expensive, leaving many seniors frustrated and stuck. At iWill Advisors, we work with clients to help them sort through their options. We know that as a senior looking into health care solutions, you may feel overwhelmed. If you’re looking for senior health care solutions in South Florida, here is the top 3: 

MEDICARE 

Run by the government, this is an insurance option for those who are at least 65, and have worked full time for 10 years or more. The interesting part of Medicare is that it has four different options. Part A, Part B, Part C, and Part D. Part A is the most commonly used, as it covers the basics such as hospitals, hospice, nursing facilities, and more. Part B covers any outpatient needs such as doctor visits, surgeries, medical equipment, lab tests, and more. Part C, or Medicare Advantage, is owned by private companies. Because they are owned by private companies, the costs can vary. Part D helps cover prescriptions.  

MEDICAID 

As opposed to the alternative above, Medicaid is run by the state, and only somewhat funded federally. Because this option is financed at state levels, each state has their own terms and rules. Hiring a professional like iWill Advisors is helpful, as we can help you sort through your state’s version. This is generally an option for those who have spent most of their money. Medicaid will then help pay for nursing homes, hospice, at home services, and more. 

PRIVATE INSURANCE  

This option is available through private health insurance companies. Often times, employers will have this type of insurance for their employees. The downside to private insurance is that it can be much more expensive. They are also more selective than other insurance options. The upside to these insurances is that they cover what Medicaid and Medicare don’t, such as co-pays, deductibles, and more.  

If you or your loved one is looking for senior health care solutions in South Florida, iWill Advisors may be the best option for you. We know how stressful finding health insurance can be, especially with the outrageous prices, the confusing terms, and the plethora of choices. Make sure you’ve made the right choice and call iWill Advisors today.  

With 60% of Florida Residents paying for care as loved ones get older, it’s no wonder why so many individuals are surprised that many Medicare policies don’t cover these financial dedications. Many of our loved ones must move into an assisted care center, nursing home, or custodial care. These can get pricey, but with the right advise on policies that can assist, it can be one less future priority to worry about.

Unfortunately, many individuals don’t save early enough to be able to pay for in full for long-term care, making it one more thing to be concerned about and pay for as we get older. Luckily, informing oneself early enough can lead to an entirely different future. Here are a few payment options:

Long-Term Care Insurance
LTCI or long-term care insurance is an available option for those who are still healthy. This includes being under the age of 84, and without age related issues such as memory loss, loss of mobility, etc. There are many different options to choose from when it comes to types of long-term insurance, and with our professional team at iWill Advisors, we can help you look through options to see which may fit you and your financial situation best.

VA
Thankfully, there are many benefits for those who are veterans. Aid and Attendance and Housebound is a program that many veterans choose. The downside to VA long-term options is that the paperwork is significant and lengthy, therefore it’s important to seek a professional, like our advisors at iWill Advisors. We can help fill these tedious papers out, giving a helping hand in what would otherwise be a time-consuming and complicated process.

Personal Income and Savings
This is exactly as straightforward as it sounds. Many individuals may decide to simply save their own money in an account so that it is readily available when long-term care is necessary.

There are many other financing options available. It can be difficult to understand why some things are covered with insurance, and others are not. However, with a qualified and knowledgeable advisor on your side, you can look through all of the payment pathways, deciding which choice makes the most sense for you and your family. If you’re looking for long-term care in South Florida, please call us today to see how we can assist you in all of your long-term financing needs.