BLUFF COUNTRY
INSURANCE AGENCY
Final Expense
Final Expense is a type of life insurance policy that is designed to cover funeral and burial expenses, as well as outstanding debts and other fees - that can quickly add up to thousands of dollars. For an estimate based on your needs, use this free Final Expense Estimator.
Fixed Annuity
A fixed annuity is a type of investment contract with an insurance provider. Fixed annuities guarantee a specific rate of return over a period of time. With this type of annuity - you will know in advance how much your payouts will be. This type of investment is relatively lower risk and is a great option for those looking for an additional income stream or planning for retirement.
Life Insurance
Life insurance policies provide financial protection for your family against losses that may occur as a result of your death. Life insurance can help your family maintain their standard of living and be used to pay off loans, mortgage, debts, and other expenses.
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Bluff Country Insurance Agency has multiple coverage options and policy types available. Coverage amount and policy type will depend on your unique situation and goals. For recommendations on which policy type is right for you, please contact us.
Long-Term Care
Later in life, there may come a time where you will need help taking care of yourself. A variety of care services are not covered by regular health insurance - such as help with activities of daily living (like bathing or dressing yourself).
In most cases, you will have to pay for these services yourself. This can drain your retirement savings rather quickly. A long-term care policy can help you protect your retirement savings and assets.
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LTC policies also help with costs associated with certain disabilities, disorders, or chronic medical conditions. Most policies will provide reimbursement in a variety of settings including a nursing home, assisted living, and even from the comfort of your home.
Medicare
Advantage Plan -Part C
These plans include Part A (inpatient hospital/skilled nursing facility) and B (Doctor visits/preventive services). Some plans include prescription drug coverage and/or extra benefits such as vision, hearing, and dental.
** Coverage varies by policy**
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Medicare Supplement Plan -Medigap
For costs not covered by Medicare Part A and B, (coinsurance, deductibles, some health care if you travel internationally) Medigap is available from private insurers to help pay your share of costs.
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Prescription Drug Coverage -Part D
Helps cover the costs of both generic and brand name drugs.
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**Disclosure**
These plans are not endorsed by the U.S. Government or Federal Medicare Program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.