Medicare Supplements, or Medigap insurance, help pay the leftover costs of Medicare. New Horizons is a leader in our industry with our stable of Medicare Supplement companies. From Americo and Great Southern Life to Lumico, CSI Life, and Mutual of Omaha, we have dozens of top-notch carriers to choose from. Ask us about which carriers are the most competitive in your state, and we’ll be glad to help!
A Medicare Medical Savings Account (MSA) combines high-deductible health coverage with a special savings account that’s funded each and every year. This $0 premium product has no networks and no medical underwriting. Learn more about this unique and exciting opportunity for both producers and clients!
Medicare Advantage plans are soaring in popularity among seniors looking for low-premium options that come with extra benefits. If you live in an area with competitive and low-cost plans, your clients will be seeking you out for more information. Learn more about the Medicare Advantage carriers we represent here at New Horizons.
Life insurance serves many purposes: income replacement, funeral costs, to cover debt, to leave a legacy, and even to prepare for long-term care costs. New Horizons carries top-rated companies like Americo, AIG, and John Hancock to fill every need your clients may have. We even have a dedicated Life Department to support your production.
Fixed annuity rates are at an all-time high with several carriers offering up to 4% interest. An easy way to start up the conversation with a client is to ask if they have money in a CD, a savings account, or a 401 (k). An annuity is a great, zero-risk way to help your clients make a guaranteed return on their money.
Long-term care insurance, also known as LTC insurance, is used to pay for expensive care services, typically from a nursing home or assisted living facility. In many cases, the cost of long-term care is the single most expensive cost we’ll face in our lifetimes. Get contracted with New Horizons to start offering excellent LTCi plans from Genworth or Mutual of Omaha today.
Short-term care insurance, also called recovery care insurance, pays for up to 1 year of care that you might need in a nursing home, assisted living facility, or other skilled care facility. We like to say that some coverage is better than no coverage, and that couldn’t be more true when it comes to the costs of a nursing home stay. Help your clients secure some coverage with an affordable plan that has simple underwriting from one of our 7 excellent carriers.
Two-thirds of cancer-related costs are non-medical. Medicare won’t cover travel expenses, lodging, loss of income, or experimental medications, and that’s just to name a few. Help your clients prepare for these expenses with a lump sum cancer plan. Coverage can cost less than $1 per day, and it’s an excellent addition to a Medicare Supplement sale.
Medicare nor Medicare Supplements help pay for dental, vision, or hearing costs. That’s why so many seniors seek out a DVH insurance plan. Carriers like Medico, Mutual of Omaha, and Aetna offer plans that can help your senior-aged clients pay for routine exams and DVH items. Plans are inexpensive, and they’re a great addition to a Medicare Supplement plan.
Final expense insurance is a type of life insurance that helps seniors cover end-of-life bills, such as funeral expenses and healthcare costs. We separate it out into its own category due to its popularity among seniors. Final expense is an excellent cross-selling opportunity and can even be sold to those with major health conditions. Check out the available final expense carriers today!
A Hospital Indemnity Plan is the perfect tool to land a sale with a client who already has a Medicare Advantage plan, widen your portfolio, recapture ex-clients, never leave an appointment empty-handed, and build an array of policies with a client to increase their loyalty to you. MA enrollment is growing, and a Hospital Indemnity plan is the perfect add-on.
Offering to help a client with their Part D plan is a natural door-opener, because virtually every person that’s aging into Medicare will purchase some type of Part D coverage. In fact, over 45 million people have a Part D plan – that’s about 70% of all Medicare beneficiaries. Get contracted with the most reliable and competitive Part D carriers with New Horizons today.