Do You Need Health or Life Insurance?

Millions of Americans are losing their Health & Life Insurance due to Covid-19 and job loss.

Instant Quotations @ www.USAInsuranceBrokers.com

Lowest Premiums Guaranteed

Tel: (623) 688-2411 or 1-800-591-3920

E-mail: USAInsuranceBrokers@gmail.com

Website: www.USAInsuranceBrokers.com

Assisted Living & Long Term Care Costs Increase

The latest 2017 report shows that Assisted Living, Home Health and Long Term Care costs continue to increase as shown below.

And, out-of-pocket medical expenses for seniors are averaging over $240K per person, not including Long-Term Care.

Please contact me @ (623) 688-2411 or Wayne@USAInsuranceBrokers.com for information on options to offset your out-of-pocket risk.

New Medicare Supplements

Several carriers introduced new Medicare Supplements on July 1st with lower premiums. Please contact me for quotations.

Short Term vs. Long Term Care Costs

Click Here to Watch Video

Contact us @ 1-800-591-3920 or USAInsurance@cox.net for details or quotations.

Income Protection Plan

What would happen if you had an accident or critical illness?

We have a variety of low-cost plans that can provide financial protection in case of:

1. Accidents
2. Chronic Illness
3. Critical Illness (Cancer, Heart Attack, Stroke, etc.)
4. Disability
5. Emergency Room
6. Hospitalization
7. Surgery
8. Long Term Care
9. Terminal Illness
10. Death

Funds can be used for any purpose, including: Medical Bills; Disability Income; Long Term Care; Mortgage Protection; Nursing/Home Healthcare; Household or Business Expenses; Loans; Childcare; College Funding; Travel; Final Expenses; Legacy Estate, etc.

Please contact us for additional information to protect your income and assets.

New Medicare Supplements

Are you confused about Medicare Supplement options?  We make it simple!

New Medicare Supplements are available that reduce costs and cover 100% of Preventive Care, including: Routine Physicals, Mammogram, Pap Smear, PSA, Bone Density, Colorectal Screening, Immunizations, etc.

Contact us @ 1-800-591-3920 or USAInsurance@cox.net for details or quotations.

10 of Top 20 Carriers Exit Long Term Care Market

Do you need Long Term Care coverage?

Do you already have a policy?  Are you sure?

You should expect higher costs and a much more difficult approval process as a growing number of household-name insurers stopped selling LTC policies.

According to Limra International, 10 of the Top 20 insurers have exited the market, including: Guardian Life; Hartford; MetLife; Penn Treaty; Prudential; and Unum Group.  In July 2012, Genworth Financial and TransAmerica also suspended further sales, until new plans and rates are approved.

Other LTC carriers have increased premiums up to 40%, due to increased life expectancy, higher utilization and reduced investment return rates.

Contact us for information on plans with guaranteed level premiums and increased financial protection.

100% Coverage for Preventive Care

Does your Health Insurance policy cover 100% of Preventive Care (Routine Physicals, Mammogram, Pap Smear, PSA, Colorectal Screening, Child Wellness, Immunizations, etc.) with no Co-pay or Deductible?

All new Major Medical policies are required to cover these services and many more at no cost.

Contact us @ 1-800-591-3920 or USAInsurance@cox.net to compare your best options.

Living Benefit Life Videos

Do you have adequate coverage to protect your family, home and assets?

Click Link for video and testimonials or go to http://www.youtube.com/user/USAInsurance

Our unique "Living Benefit" Life policies accelerate up to 100% of the face value in case of Critical Illness (Heart Attack, Stroke, Cancer, etc.); Chronic Illness; Cognitive Impairment; Terminal Illness; or Death.

One policy can provide low-cost financial protection to cover: Medical Bills; Disability Income; Long Term Care; Nursing/Home Healthcare; Mortgage Protection; Household Expenses; Childcare; College Funding; Travel; Final Expenses, etc.

Premiums are no higher than policies that only pay a Death benefit and significantly lower than Critical Illness, Disability and Long Term Care plans.  Please contact us for quotations.

Free Annual Review

We specialize in showing Individuals, Self-Employed, Small Business and Employer Groups proven strategies to a) improve coverage, b) increase financial protection and c) reduce premiums 30% to 70%.

Please contact us if you know anyone that we may be able to assist @ 1-800-591-3920 or USAInsurance@cox.net.

$150K-$400K Healthcare Costs After Medicare

According to the Employee Benefit Research Institute and Society of Actuaries, the average retired couple will need over $150K-$400K in the bank to ensure they have enough money to cover their medical costs over and above what Medicare covers.

They found that only 7% of people between the ages of 50 and 64 feel very confident that they are saving enough funds to afford healthcare costs in retirement, while 62% feel that they're not at all confident.

A 2010 government forecast showed that yearly healthcare inflation will be over 6% for the remainder of this decade. What most Americans don't realize is that health expenditures can really increase once you've retired. 

This does not include healthcare reform legislation or nursing home care costs. Over their lifetimes, a couple may have costs amounting to $1 million or more for the care of becoming older and more frail.  Nursing home care expenses can be over $70,000 per person per year.

It is imperative that the young and old review their insurance and financial protection plans to safeguard their health and wealth.

Contact us for low-cost plans to reduce or eliminate your financial risk.