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  • LIFE INSURANCE

The Importance of
Life Insurance

Life insurance is a crucial first step in financial planning—your family’s safety net. It ensures that, if you were to  step out of the picture too early, your loved ones have the financial resources they need. The right life insurance policy can help pay off your mortgage, cover your children’s education, and provide a steady income to support your family’s future.

At James A. Flynn Insurance, we’ll help you determine the right amount of coverage through a comprehensive needs analysis. We’ll also guide you through the different types of life
insurance available, helping you choose the policy that aligns with your goals and provides peace of mind for your family.

Protect what matters most—contact us today to secure your family’s future.

There are two categories of life insurance: Permanent life insurance and Term life insurance:

  • Permanent Life Insurance
  • A death benefit that will be there no matter what age you die, as long as premiums are paid.
  • Cash value accumulation inside of your policy that can be withdrawn or
    loaned.
  • Permanent Life can offer flexible premium schedules.
  •  
  • Term Life Insurance
  • Term Life is pure death benefit protection with no value inside of the policy.
  • You choose the length of the term: 10, 15, 20, and 30-year terms. 
  • Term Insurance is typically less costly.
  • term insurance is ideal to cover mortgage debt and income replacement for family.
  • Education
  • Disability insurance typically replaces 60% of your gross monthly income.
  • Benefits received on individually owned policies are generally not taxed.
  • Elimination period: The amount of time (in days) before you start receiving benefits.
  • Elimination periods for short-term policies range from 7 days, 14 days, 30 days, to 90 days.
  • Elimination periods for long-term policies range from 90 days, 180 days, to 360 days.
  • Benefit period: The length of time you will receive benefits while disabled.
  • Benefit periods for short-term policies range from 3 months, 6 months, to 1 year.
  • Benefit periods for long-term policies can extend up to age 65.
  • Disability Insurance

The Importance of
Disability Insurance

What would you do if an unexpected disability left you unable to earn an income? Disability insurance offers financial protection by providing a steady income when you’re unable to work. It’s important to have enough coverage to handle essential monthly expenses like your mortgage, rent, car payments, and other bills.

At James A. Insurance, we’re here to help. We will assess your needs and recommend the right amount of disability insurance for you. We’ll guide you through the differences between short-term disability insurance, elimination periods, benefit durations, and other available options.

Ask yourself: Could you and your family manage financially if you couldn’t work? Let us help you prepare for the unexpected.

Types of disability insurance.

When you buy disability insurance, you can choose between occupation and any occupation coverage:

  • Own-occupation: Pays out when you can't work the specific job that you're trained for (like a heart surgeon or a lawyer), even if you can work in another, related role.
  • Any-occupation: Pays benefits if you can't work any job that you're reasonably suited for. Any-occupation coverage is cheaper, but it's harder to qualify for benefits.
  • Own-occupation: Pays out when you can't work the specific job that you're trained for (like a heart surgeon or a lawyer), even if you can work in another, related role.

Cancer expense Plan

Cancer is not only a horrible disease but can be expensive as well. Things like CO-PAYS, deductibles, travel time, and new experimental drugs can add up. A cancer expense plan can help with these expenses, the plan pays the benefits (money) directly to you so non-medical and medical expenses can be paid. The plan does not penalize or affect anything paid by your medical coverage, the payments you receive are above and separate from your medical coverage. If you receive a cancer diagnosis your present insurance may not be enough to cover all your expenses, more than 1 in 3 Americans are expected to get cancer in their lifetime. Cancer patients typically use 20% of their income for cancer treatments.

  • Five Key Features of Cancer Insurance:
  • Coverage cannot be canceled due to age or health.
  • Cash paid directly to you.
  • Same price no matter what age you are.
  • Pays for medical and non-mediacal expenses
  • Pays towards surgery, radiation, chemotherapy and wellness benefits.
  • Three Key Features of Accident Insurance:
  • Even if you have health insurance, co-pays and out-of-pocket expenses can quickly add up. This insurance can help reduce the burden of medical costs.
  • Injuries often come with additional costs that aren't covered by traditional insurance, such as transportation to and from doctor’s appointments, home modifications, or household help during recovery.
  • If an injury prevents you from working, you may be able to use the benefits to cover lost wages, helping you stay financially stable while you heal.
  • Accident Insurance

The Importance of
Accident Insurance

Accidents can happen at any time, whether you’re at work, at home, or out and about. The financial impact of getting hurt can be significant, especially when it comes to medical bills, co-pays, and other expenses related to recovery. With a personal injury insurance plan, you can receive direct cash benefits to help cover these costs, no matter where the injury occurs.

This plan is designed to provide you with financial support in the event of an injury, whether it happens while you’re on the job or during your personal time. The money you receive can be used to cover a wide range of expenses, including:

  • Medicare Advantage

The Importance of
Medicare Advantage

Medicare is a vital program that provides essential health coverage, but it doesn’t cover everything. Original Medicare consists of (hospital insurance) and (medical insurance), which together cover a wide range of healthcare needs. However, there are gaps in coverage that could leave you with significant out-of-pocket expenses for certain services, medications, and treatments.

This is where Medicare Advantage plans come in. These plans, offered by private insurance companies approved by Medicare, provide all the benefits of Original Medicare (Parts A and B), plus additional coverage options that Original Medicare may not offer. This could include things like:

  • Four Key Features of Medicare advantage Insurance:
  • While Original Medicare doesn’t cover most prescription medications, many Medicare Advantage plans include prescription drug coverage, helping you save on necessary medications.
  • Medicare Advantage plans often include benefits for routine vision exams, eyeglasses, dental cleanings, and hearing aids — services that are typically not covered by Original Medicare.
  • Many Medicare Advantage plans offer additional wellness services, such as gym memberships or programs designed to help you stay healthy and active as you age.
  • Some Medicare Advantage plans include protection against high out-of-pocket costs, ensuring that your healthcare expenses stay within a manageable range.

Protecting What Matters, Simplifying Your Future.

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