Why Choose Bilt Insurance Advisors?

HEALTH INSURANCE 

When selecting a Health Insurance Plan, do not just let the premium be the guiding light (Low or High). Look at the Deductibles, your ability to meet that deductible if needed, Look at the Maximum Out of Pocket for the Plan, Your Co-payments & Co Insurance, The Cost of Prescription Drugs Coverage, make sure your 'must-have' Doctor(s) In-Network!  If looking at a family plan and you have children. Look at an Accident Plan to cover those trips to the Urgent Care or the ER for a Sprained ankle or a broken arm. That extra $20/$30 Supplement Plan Premium can save you hundreds if not thousand in Out-Of-Pocket expenses

But if you are over 65 and not Rich? look into plans that provides funding for Custodial Care (compensate your loved ones financially if they have to/want to quit their job to take care of you in your senior years), or plans that covers Home Health Care and keep you away form Senior Home. 

Old Life Insurance Policies Protected your family in case you die too soon.  In those days, that policy was all about protecting your legacy, your wishes for your children education and pay the mortgage in essence take care of your financial responsibilities as if you were still here after you are gone. Protecting  your spouse /loved ones / your household. In those days, life insurance conversations were morbid to say the least, as the focus was on them. Focused On Your Beneficiaries. Not you. But thankfully those days are long gone. New Life Insurance Policies are still about your beneficiaries, but they are not also designed to Protect YOU, the insured. Get a Policy that is flexible and multi facetted. Because nowadays, some policies includes funding for Critical Illness, Critical Injuries, Chronic Illness, Critical Injuries, Recovery, Physical Therapy, Physical Rehab. Some Life Events can now activates the funding in that life insurance policy to help you with recovery care, to allow you to go back to work. And if you have a terminal illness, the funding can be used to support your quality of life while you are still alive! 

So, you have worked 40/50 years plus, and that time comes for us to slow down. Your body can no longer take the pounding and waking up early every day, going to work for 40 plus hours a week. You received that Social Security benefits letter and wonder how are we going to make it? You still have rent / mortgage to pay. Taxes to pay on that  home if you are a home owner. You were lucky enough to save some money for retirement, and now we have to make it last. 

Tip:  Get a Solid Agent with years of Experience in balancing your budget so your are not paying more than necessary for your Health Care.  Pick the right Medicare Advantage or Medicare Supplement or Long Term Care Plan to protect from excessive  distribution of retirement assets to support health care costs.  You Need to make those assets last as long as possible. Hopefully your Life Insurance Policy covers Living Benefits, so you do not have to spend your saving on critical / chronic illness, etc...  Create a Drop Plan to supplement Social Security income. Leverage Tax Free Assets, and Rollovers as much as possible to reduce the financial Burden.  Let's Get you A Plan.