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OUR CREDENTIALS
We Are The Best In Insurance Services
10+ Years Of Excellence
We have been into insurance business for more than 10 years and counting
cover solutions
We offer insurance and consultancy services
Clients Focused
We are geared towards offering the best experience to our clients at very affordable rate
We are dedicated to providing guidance and support to service professionals in the fields of health insurance, Medicare, financial services, tax preparation, and more. Our mission is to inspire and empower individuals like you to overcome challenges and achieve your improvement goals.
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the numbers
Why Us ?
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Life insurance
secure your future todaywith life insurance
In exchange for the premiums paid by the policyholder, the insurer agrees to pay the beneficiary of the life insurance policy a certain amount of money when the covered person passes away or after a specified length of time. This agreement is known as life insurance. In exchange for your premium payments throughout the course of the policy term, the life insurance company offers you a complete life cover. Life insurance safeguards the future of those you love by providing a lump sum payment, sometimes known as a death benefit, in the case of an untimely death. Upon the expiration of the policy term, certain life insurance policies offer you a Maturity Benefit. One of the main obstacles to the broad acceptance of life insurance is a lack of awareness. The availability of different types of insurance products also confuses some people. But most life insurance policies function in a similar manner. Let us understand what is life insurance and how does it work
A life insurance policy is a legally binding agreement between an insurance company and a policyholder whereby the insurance company protects the policyholder financially and pays a death benefit to the nominee in the event of the insured’s death. The policyholder of a life insurance policy must pay either an initial premium or periodic premiums over time in order for the policy to stay in effect.
To put it briefly, all of the advantages of a life insurance policy depend on the premiums being paid, thus it is best to choose a rate that is manageable. Only after all premiums have been paid on time by the insured does a life insurance policy function. It will be simpler for you to understand how life insurance operates now that you have a better understanding of what a life insurance policy is.
1. Financial Protection
A major benefit of any life insurance plan is that it provides financial security to your family members. Life insurance policies include a death benefit. If you die during the term of the policy, then a pre-defined amount, known as the sum assured is given to your family members.
This ensures that your family members are financially secured even after you are not present with them.
2. Builds Saving Habit
To keep your life insurance policy active, you are required to pay regular amounts known as premiums. Without the payment of premiums, your policy can get canceled. Thus, by investing regularly, you inculcate a habit of savings which benefits you in the long run.
3. Helps in Tax-Savings
To promote savings and investment, the government has made many investment instruments eligible for tax savings. Life insurance is one such instrument. You can avail of a tax deduction of up to Rs 1.5 lakh towards the premium you pay in a year u/s 80C of the Income Tax Act 1961. Thus, you have the benefit of investment as well as tax savings.
4. Achieve your Big Financial Goals
Some life insurance policies build a cash value over time. Life insurance policies have an investment component as well. Your premium is invested in marketable securities and earns a return. With time they build into a large corpus that can be used to achieve goals such as your child’s education, child marriage, etc.
5. Wealth Protection & Distribution
Life insurance plans are one of the safest long term investment options. Thus, a life insurance will mean you can preserve your wealth for a long time against tax and inflation. This feature means that a life insurance plan is also a great instrument for retired investors to generate long-term pension.
1. Term Life Insurance
Term life insurance allows you to lock in rates and coverage for a specific period of time, or a term. Term lengths are typically 5, 10, 15, 25 or 30 years, though some insurers offer longer terms.
2. Permanent life insurance
Permanent life insurance refers to a collection of policies that are designed to last your lifetime. Like term life insurance, they offer a death benefit in exchange for regular premium payments. However, this type of coverage usually includes a cash value component. Below are the various types of permanent policy.
3. Guaranteed issue life insurance
As the name suggests, guaranteed life insurance is a type of coverage that offers “guaranteed” approval to applicants who fall between the minimum and maximum age requirements of the insurer.
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Health insurance
health is wealth, Not a joke
The United States government does not provide health insurance for all its people, and health insurance is not obligatory for those living in the US. It is optional, but highly recommended and necessary since health services are very costly, more than in any other country anywhere across the globe.
There are two types of health insurances in the US, private and public. Most people use a combination of both. The US public health insurances are: Medicare, Medicaid, and Children’s Health Insurance Program
Medicare
Medicare is a national health insurance program that dates back to 1966. It provides health insurance for US nationals older than 65 years old, but also for younger people with end stage renal disease, ALS, and some other disabilities.
Data shows that in 2018, Medicare provided almost 60 million individuals with healthcare in the US, over 51 million of which were older than 65.
The Medicare program is divided into four parts:
- Part A – which covers hospitals, skilled nursing and hospice services.
- Part B – covers outpatient services, including some providers’ services while inpatient at a hospital, outpatient hospital charges
- Part C – is an alternative called Managed Medicare, which permits patients to select health plans with at least the same service coverage as Part A and B, often the benefits of Part D, and an annual out of pocket spend limit which A and B lack. To sign in this part, one must sign in Part A and B fist.
Part D – covers mostly self-administered prescription drugs
Term Life Insurance:
Term life insurance provides coverage for a specified period, such as 10, 20, or 30 years. It offers a death benefit to the beneficiaries if the insured person passes away during the policy term. Term life insurance is often more affordable and straightforward compared to other types of life insurance, but it does not accumulate cash value.
Whole Life Insurance:
Whole life insurance provides coverage for the entire lifetime of the insured person, as long as the premiums are paid. It offers a death benefit to the beneficiaries and also has a cash value component that grows over time. Whole life insurance premiums are generally higher than term life insurance but provide lifelong coverage and a savings component.
Universal Life Insurance:
Universal life insurance is a flexible policy that combines a death benefit with a cash value component. It allows policyholders to adjust their premium payments and death benefit amounts throughout the life of the policy. The cash value component earns interest based on prevailing market rates, and policyholders can access it for loans or withdrawals.
Variable Life Insurance:
Variable life insurance provides a death benefit and a cash value component, similar to universal life insurance. However, it differs in that policyholders have the opportunity to allocate their cash value among different investment options, such as stocks, bonds, or mutual funds. The cash value and death benefit can fluctuate based on the performance of the chosen investments.
Indexed Universal Life Insurance:
Indexed universal life insurance combines the features of universal life insurance with the potential for cash value growth linked to a stock market index, such as the S&P 500. The policyholder’s cash value growth is tied to the performance of the index, but with downside protection, ensuring that the cash value does not decline when the market index decreases.
Final Expense Insurance:
Final expense insurance, also known as burial insurance or funeral insurance, is designed to cover end-of-life expenses, such as funeral costs, medical bills, or outstanding debts. It typically offers lower coverage amounts compared to other types of life insurance and is often easier to qualify for without extensive medical underwriting.
It’s important to note that the availability and specifics of these types of life insurance may vary depending on the insurance company and the regulations in your jurisdiction. When considering life insurance, it’s advisable to consult with a licensed insurance professional who can help assess your needs and provide guidance on the most suitable policy for your circumstances.
The Affordable Care Act – Obamacare
The Affordable Care Act (ACA), also known as Obamacare, has made significant strides in ensuring that more Americans have access to affordable health insurance. One notable aspect of the ACA is the availability of $0 premium plans, which offer an opportunity for individuals and families to obtain comprehensive health coverage without paying monthly premiums. In this blog post, we explore the benefits and eligibility criteria for the ACA $0 plan.
What is the ACA $0 Plan?
The ACA $0 plan refers to a type of health insurance plan available through the Health Insurance Marketplace. These plans are designed to make health insurance more affordable for individuals and families with lower incomes. While most health insurance plans require monthly premium payments, the ACA $0 plan ensures that eligible individuals pay no premium, making it an attractive option for those seeking affordable coverage.
Eligibility for the ACA $0 Plan:
To qualify for the ACA $0 plan, individuals must meet certain income requirements based on the federal poverty level (FPL). The FPL guidelines consider household size and income to determine eligibility for subsidies and premium tax credits. Generally, individuals with incomes between 100% and 400% of the federal poverty level may be eligible for the ACA $0 plan or other subsidized plans.
Benefits of the ACA $0 Plan:
The ACA $0 plan provides comprehensive health coverage, including essential health benefits such as preventive services, hospitalization, prescription drugs, maternity care, and mental health services. These plans also offer access to a network of healthcare providers, ensuring individuals have options for their medical needs.
Additionally, individuals enrolled in the ACA $0 plan may be eligible for cost-sharing reductions. These reductions can lower out-of-pocket costs, including deductibles, copayments, and coinsurance, making healthcare more affordable and accessible.
Applying for the ACA $0 Plan:
To apply for the ACA $0 plan, individuals must enroll through the Health Insurance Marketplace during the Open Enrollment Period. They can also qualify for Special Enrollment Periods under certain circumstances, such as losing existing coverage, getting married, or having a baby. The marketplace application will assess eligibility for the ACA $0 plan or other subsidized plans based on income and other relevant factors.
Conclusion:
The ACA $0 plan represents a significant step towards providing affordable health insurance options for individuals and families. By eliminating monthly premiums for eligible individuals, it aims to ensure that everyone has access to essential healthcare services without undue financial burden.
If you meet the income criteria, exploring the ACA $0 plan can be a valuable opportunity to obtain comprehensive health coverage at no monthly cost. Remember to consult with a licensed insurance professional or visit the Health Insurance Marketplace to determine your eligibility and find the best plan that suits your needs.
Investing in your health and well-being through the ACA $0 plan not only protects you from unforeseen medical expenses but also contributes to a healthier and more secure future.
You can create a tab with the ACA information blog
click here
How to Choose a Good US Health Insurance Plan?
When looking up for a good health insurance plan make sure you ask questions like:
- Does that plan grant you with the right to go to any doctor, hospital, clinic or pharmacy you choose?
- Are specialists such as eye doctors and dentists covered?
- Does the plan cover special conditions or treatments such as pregnancy, psychiatric care and physical therapy?
- Does the plan cover home care or nursing home care and medications a physician might prescribe?
- What are the deductibles? Are there any co-payments?
- What is the most you will have to pay out of my own pocket to cover expenses?
Make sure you also understand how a dispute about a bill or service is handled by your provider, as in some plans, you may be required to have a third party decide how to settle the problem. We recommend the GeoBlue Xplorer plan for foreigners in the United States.
starter life insurance plan
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financial planning
it profits to plan your way financially into the future.
financial planning is the practice of putting together a plan for your future, specifically around how you will manage your finances and prepare for all of the potential costs and issues that may arise. The process involves evaluating your current financial situation, identifying your goals and then developing and implementing relevant recommendations.
Financial planning is holistic and broad, and it can encompass a variety of services, which we detail below. Rather than focusing on a single aspect of your finances, it views clients as real people with a variety of goals and responsibilities. It then addresses a number of financial realities to figure out how to best enable people to make the most of their lives.
Financial planning is not the same as asset management. Asset management generally refers to managing investmens for a client. This includes choosing the stocks, bonds, mutual funds and other investments in which a client should invest their money.
However, the same professionals who offer asset management services can also offer financial planning. A financial planner is effectively one type of financial advisor. Advisors can earn certifications focused on financial planning, the most notable of which is certified financial planner
Indexed Annuity
An indexed annuity is a type of annuity contract that pays an interest rate based on the performance of a specified market index, such as the S&P 500. It differs from fixed annuities, which pay a fixed rate of interest, and variable annuities, which base their interest rate on a portfolio of securities chosen by the annuity owner. Indexed annuities are sometimes referred to as equity-indexed or fixed-indexed annuities.
403b
The term 403(b) plan refers to a retirement account designed for certain employees of public schools and other tax-exempt organizations. Participants may include teachers, school administrators, professors, government employees, nurses, doctors, and librarian. The 403(b) plan, which is closely related to the better-known 401(k) plan, allows participants to save money for retirement through payroll deductions while enjoying certain tax benefits. There’s also an option for the employer to match part of the employee’s contribution.
from 25.55 / month
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from 125.90 / month
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FAQ
general questions
Browse from already answered questions to know about insurance.
Tips for Selling Life Insurance
Here are some tips that can help you sell more life insurance policies and build trust and loyalty with your clients:
- Know your product: Before you can sell life insurance, you need to understand the different types of policies, such as term, whole, universal, and variable life insurance, and how they work. You also need to know the features and benefits of each policy, such as the coverage amount, premium, cash value, riders, and exclusions. You should be able to explain these concepts clearly and simply to your clients and answer any questions they may have
- Know your market: To sell life insurance effectively, you need to know who your target market is and what their needs and goals are. You should conduct market research and analysis to identify your ideal customer profile, such as their age, income, family status, occupation, health condition, risk tolerance, and financial objectives. You should also segment your market into different groups based on these criteria and tailor your marketing and sales strategies accordingly.
- Know your value proposition: To persuade your prospects to buy life insurance from you, you need to communicate your value proposition clearly and convincingly. Your value proposition is the unique benefit that you offer to your clients that sets you apart from your competitors. It could be your expertise, experience, service quality, product variety, pricing, or reputation. You should be able to articulate how you can help your clients solve their problems or achieve their goals with life insurance.
- Build rapport and trust: Selling life insurance is not just about presenting facts and figures; it is also about building rapport and trust with your prospects. You should establish a positive and professional relationship with your clients by listening to their needs and concerns, showing empathy and respect, providing honest and helpful information, and following up regularly. You should also use testimonials, referrals, reviews, or endorsements from your existing clients or other sources to boost your credibility and reputation.
- Ask open-ended questions: One of the most effective ways to sell life insurance is to ask open-ended questions that elicit your prospects’ needs, motivations, fears, objections, and expectations. Open-ended questions are those that cannot be answered with a simple yes or no; they require more explanation or elaboration from the respondent. For example, instead of asking “Do you have life insurance?”, you could ask “What are your reasons for considering life insurance?” or “How would life insurance benefit you and your family?” Asking open-ended questions can help you uncover your prospects’ pain points, goals, values, preferences, and buying triggers.
- Use stories and examples: Another way to sell life insurance is to use stories and examples that illustrate the benefits and outcomes of having life insurance. Stories and examples can make your presentation more engaging, memorable, relatable, and persuasive. You could use stories from your own experience or from other clients who have benefited from life insurance. You could also use hypothetical scenarios or case studies that show how life insurance can help your prospects in different situations. For example, you could say “Let me tell you about John, who bought a term life policy from me last year. He was able to secure his family’s financial future for a low monthly premium of $50. He also used his policy as collateral for a loan to start his own business.” or “Imagine if you were diagnosed with a terminal illness tomorrow. How would you pay for your medical expenses? How would your family cope with the loss of income? How would they afford your funeral costs? With a life insurance policy with an accelerated benefits rider, you could access some or all of your death benefit while you are still alive to cover these expenses.”
- Handle objections: One of the biggest challenges in selling life insurance is handling objections from your prospects. Objections are reasons or excuses that your prospects give for not buying life insurance or delaying their decision. Some common objections are:
- I don’t need life insurance.”
- “I can’t afford life insurance.”
- “I don’t trust life insurance companies.”
- “I don’t understand how life insurance works.”
- “I need to think about it.”
To handle objections, you need to acknowledge your prospects’ concerns, empathize with their feelings, and provide relevant information or solutions that address their objections. For example, if your prospect says “I don’t need life insurance.”, you could say “I understand that you feel confident about your financial situation right now, but life is unpredictable and anything can happen. Life insurance is not only for yourself, but also for your loved ones who depend on you. If something were to happen to you, how would they pay for their living expenses, debts, education, or retirement? Life insurance can give you peace of mind that your family will be taken care of no matter what.”
- Close the sale: The final step in selling life insurance is to close the sale. Closing the sale is the process of asking your prospects to take action and buy the life insurance policy that you have recommended. To close the sale effectively, you need to:
- Summarize the benefits and features of the policy that you have presented and how it meets your prospects’ needs and goals.
- Ask for feedback or confirmation from your prospects that they understand and agree with your proposal.
- Address any remaining questions or concerns that your prospects may have.
- Ask for the sale directly or indirectly. A direct close is when you ask your prospects to sign the application form, pay the premium, or schedule a medical exam. An indirect close is when you ask your prospects a question that implies their agreement, such as “Which payment option do you prefer?” or “When would be a good time for the medical exam?”
Overcome any last-minute objections or hesitations that your prospects may have. - Thank your prospects for their business and congratulate them on their decision.
- Follow up with your prospects until the policy is issued and delivered
If you are interested in becoming a life insurance agent, here are the basic requirements and steps that you need to follow:
- Earn a high school diploma or GED: The minimum educational requirement for becoming a life insurance agent is a high school diploma or a GED. However, some employers may prefer candidates who have a college degree or some college coursework in business, finance, economics, or related fields.
- Complete pre-licensing education: To become a licensed life insurance agent, you need to complete a pre-licensing education course that covers the principles and practices of life insurance. The course may vary in length and content depending on your state’s requirements, but it typically covers topics such as:
- Types and features of life insurance policies
- Life insurance underwriting and risk classification
- Life insurance premiums and rates
- Life insurance policy provisions and riders
- Life insurance taxation and regulation
- Life insurance sales and marketing
You can find approved pre-licensing education providers in your state through the National Association of Insurance Commissioners (NAIC) website1 or your state’s department of insurance website2.
- Pass the licensing exam: After completing the pre-licensing education course, you need to pass the licensing exam administered by your state’s department of insurance or a third-party testing service. The exam may vary in format and difficulty depending on your state’s requirements, but it typically consists of multiple-choice questions that test your knowledge of life insurance concepts, laws, and regulations. You may need to pay a fee to take the exam and meet certain eligibility criteria, such as being at least 18 years old and having a valid identification. You can find more information about the licensing exam in your state through the NAIC website1 or your state’s department of insurance website.
- Apply for a license: Once you pass the licensing exam, you need to apply for a license from your state’s department of insurance. You may need to submit an application form, pay a fee, undergo a background check, provide proof of pre-licensing education and exam results, and meet other requirements depending on your state’s regulations. You can find more information about the licensing process in your state through the NAIC website1 or your state’s department of insurance website.
- Find a job or start your own business: After obtaining your license, you can start working as a life insurance agent. You can either find a job with an existing insurance agency or company or start your own business as an independent agent. If you work for an employer, you may receive training, mentoring, leads, marketing support, and other benefits. If you work on your own, you may have more flexibility, autonomy, and income potential, but you also have more responsibilities and expenses. You should weigh the pros and cons of each option and choose the one that suits your goals and preferences.
- Maintain and renew your license: To keep your license active and valid, you need to maintain and renew it periodically according to your state’s requirements.
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contact
get in touch
Reach us with the below information
Address:
701 s homestead blvd homestead fl 33030
Phone Number
+17866506181
Open Hours:
Mon – Fri 9:00 – 18:00