Senior Assist 

Long Term Care

Long Term Care insurance (LTC or LTCI), an insurance product sold in the United States, United Kingdom and Canada, helps provide for the cost of long-term care beyond a predetermined period. Long-term insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Life Insurance

Life insurance is a contract between an insured (insurance policy holder) and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the benefits.

Medicare

In the United States, Medicare is a national social insurance program, administered by the U.S. federal government since 1965, that guarantees access to health insurance for Americans ages 65 and older and younger people with disabilities, as well as people with end state renal disease (Medicare.gov, 2012) and persons with Lou Gehrig's Disease.

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Final Expense

Final Expense policies are limited premium payment whole life policies that, although available at almost any age, are usually purchased by older applicants. This type of insurance is designed to cover specific funeral expenses when the insured person dies, which the applicant has designated in a preneed funeral goods & services contract with a funeral.

Annuities

In the United States an annuity contract is created when an insured party, usually an individual, pays a life insurance company a single premium that will later be distributed back to the insured party over time. Annuity contracts traditionally provide a guaranteed distribution of income over time, such as via fixed payments, until the death of the person or persons named in the contract or until a final date, whichever comes first.

"It's Your Move...Choose Wisely"

IRA WALLACE

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As an independent agent, I will research coverage options through multiple companies holding reputable "A" ratings or higher. I believe in successful partnerships with my clients and in building long lasting relationships. I will offer solutions to finding what best suits your individual needs and budget.  My success is measured by my  service and expertise to many satisfied clients. Feel free to give me a call today...you talk and I'll listen...