Archive - Begus Insurance Group

Life Insurance

Medicare Advantage plan next to stethoscope

Medicare Advantage Plans: What Is the Coverage?

In 1997, the Balanced Budget Act introduced Medicare Part C (Medicare Advantage) as a plan that offered added benefits to the original Medicare. However, nowadays, the original Medicare consists of two parts: Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). While original Medicare provides extensive coverage for inpatient and outpatient care, it lacks…

senior couple considering buying permanent life insurance by talking to agent

Permanent Life Insurance: Who Should And Who Shouldn’t Buy It?

There are many factors to consider when determining if a permanent life insurance policy is right for you. Permanent life insurance provides coverage for those whose loved ones have become dependent on their income. Ask yourself: “Who is dependent on my income?” and “Can I afford the premiums associated with permanent life insurance?” Permanent life…

5 Things You Should Know Before Selling Your Life Insurance Policy

People sell life insurance policies for a variety of reasons. Selling a life insurance policy can be very lucrative in any event. Whether you require immediate funds for a medical or financial emergency, retirement funds, college tuition, or simply don’t need the policy anymore, a settlement can be very beneficial. Consider the Following 1. Settlement…

senior couple talking to agent to purchase permanent life insurance

Permanent Life Insurance: What Are the Pros and Cons?

Permanent life insurance, also known as whole life, is an asset that creates a safety net for your loved ones in the event of your passing. The size of the safety net (death benefit) is entirely dependent on the needs of the policyholder and the needs of their loved ones. Some safety nets can be…

medigap (also known as medicare supplemental) written in paper that is under stethoscope and pen

Medicare Supplemental (Medigap): Beginners Guide

Medicare extends services to qualifying individuals who need health insurance. However, there are many out-of-pocket costs of Medicare including deductibles, copayments, and coinsurance. Medicare Supplemental plans, also known as Medigap, provide coverage for these out-of-pocket payments at a cost-effective rate. What Is Medicare? Medicare is a type of health insurance that consists of four parts:…

annuity written in post it note next to cash and calculator

Index Annuity: Who Does It Benefit The Most?

An index annuity is potentially the most beneficial annuity form available to individuals. These annuities provide annuitants with supplemental investment funds that are not available in any other form of an annuity. Utilizing the current status of the market allows annuitants 80% of market gains, making them one of the best annuities. The feature of…

senior couple happy to talk to agent who is offering final expense insurance

Seniors: 3 Benefits Of Getting Final Expense Insurance

Sooner or later, we all have to leave our loved ones behind. The key is to ensure their financial security after we pass. Final expense insurance provides both the insured and their loved ones with peace of mind and financial security if the named insured passes. No one wants to carry the burden of end-of-life…

self employed woman writing down her retirement options

Retirement for the Self-Employed: What Are Your Options?

Finding the best plans for retirement is crucial to ensuring a retirement that rewards you for decades of hard work. The best course of action is always to determine a retirement plan that will work for you, not the other way around. Self-employed retirement options may seem scarce at first, but there are many options…

Low-Income Workers: How to Make Retirement Work for You

As a low-income worker, you’re probably concerned about how you are going to manage retirement. Finding a retirement plan that works for you should be exciting! In retirement, you have the benefit of finally taking a break from all of your hard work. If you plan to retire, now is the time to consider your…

What Are the Types Of Permanent Life Insurance Plans?

Life insurance is an asset that guarantees the financial security of the people who depend on your income. Life insurance offers peace of mind and prepares the policyholder and their dependents for their passing. There are many different forms of permanent life insurance policies and selecting the right policy for you is entirely dependent on…

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