Whether your term insurance has expired or you lost employer coverage when you retired, your ARIS agent can help you determine your next steps in end-of-life planning. Together, you’ll decide if you need simple whole life insurance or the best final expense insurance and tailor a life insurance program that helps you protect your assets and your loved ones.
Health Insurance
Protect your savings from health care costs in retirement with supplemental health insurance for seniors. Your ARIS agent can explain the difference between Medicare Advantage and Medicare Supplement. And they can help you avoid coverage gaps by recommending a dental, first diagnosis cancer, or hospital indemnity insurance plan that matches your needs.
Long Term Care
Medicare doesn’t cover all long-term services and supports, but long-term care insurance does. A policy reimburses you a daily amount for services to assist you with activities of daily living, such as bathing, dressing, or eating. Your ARIS agent can help you select a plan with a range of care options and benefits that allow you to get the services you need, where you need them.
Dental Insurance
Medicare doesn’t cover services related to basic dental health care, only medical emergencies or treatments. Having an insurance policy that covers regular exams and common procedures means you can maintain your health without draining your savings account or retirement income. Your ARIS agent can help you find a plan that pairs well with your Medicare Supplement or Medicare Advantage plan.
When used properly, annuities for seniors can be tools to give you more flexibility in retirement. Which ones you choose can affect your travel plans, how long you stay in your home, and which life and health insurance you need. Your ARIS agent can help you determine what is the best annuity plan to enable you to enjoy the retirement you’ve earned.