The motivation behind Bill Cole Insurance is that, as a full-service provider, I become your “one-stop shop.” Whether you’re in your 20s, 40s, 70s or 90s, I help you every step of the way. My expertise and products can handle your entire life plan.
MEDICARE SUPPLEMENTS
Medicare Supplements can be added to fortify Medicare coverage when a person reaches age 65 or becomes eligible because of a disability. It is designed to pay the 20% that Medicare does not cover. Fortunately, these supplements are standardized, which makes it easier to choose a plan.
HEALTH INSURANCE
No matter your age or stage in life, whether you’re leaving a job or nearing retirement, selecting health insurance can be confusing and frustrating. Together, we’ll navigate through all the available options, sifting through them to determine just the right plan for you -- one that truly fits your needs and your budget.
LIFE INSURANCE
Life insurance remains one of the most important planning tools for young families starting to build up reserves for the future. Should an untimely death occur, life insurance helps allow the remaining spouse to continue their lifestyle and pay for things like houses and college. And it’s not as expensive as one might think. One of the reasons the cost of this insurance has gone down over the last several decades is because people are living longer.
LONG TERM CARE INSURANCE
When you have Long-Term Care (LTC) Insurance, you are in more control and have access to multiple options for life as you need to live it. It allows you to protect your assets and help reimburse the expenses of long-term care services when you are no longer able to care for yourself. LTC Insurance can be used to pay for a variety of expenses, including home care, assisted living, adult day care, hospice, residential care, or nursing home care. It may also cover therapies and special equipment, such as walkers and wheelchairs.
ANNUITIES
Investing in the stock market isn’t the only way to make money. Bill Cole Insurance offers annuities that can perform just as well -- with little risk. These products were originally developed to give people the ability to create their own source of guaranteed income. Annuities today have come a long way. A fixed deferred annuity is a solution that gives you a fixed rate of return for a fixed amount of time. The money can be converted to payments for a set period or for a person’s lifetime. Annuities are a great tool and worth looking into for getting the most from your retirement savings in today’s ever-changing economic times.