Comprehensive Insurance Strategies from American Freedom Benefits

Reduce Life's Uncertainties

We offer a variety of insurance-related services to help you reduce risk in your life. We always conduct a needs assessment before creating your customized insurance strategy.

Life Insurance

Life insurance can be a blessing to those left behind after passing away. The money can help a spouse or family pay off a mortgage or debts, fund an education, take a break from work, or transition to a new chapter in life, whatever that may be. Life insurance can also be used to leave a legacy to a favorite charity or cause. Life insurance is also a tax-friendly way to show you cared. We can help find the right policy to meet your legacy wishes.

Retirement Income Planning

Most of us work hard our entire lives, hoping to retire someday. As the date gets closer, you might wonder if you have enough saved to retire and stay retired for the rest of your life. We can look at your income sources and help determine if you are on target or need to fill in the gaps. Taxes, inflation, longevity, and health care should be considered. An annuity can provide a stable, guaranteed income if an additional income stream is needed.

Disability Insurance

Many employers offer Disability Insurance. It can replace part of your income if you become disabled or injured while on the job. The problem is that coverage is sometimes insufficient or not offered, putting your income at risk. We can help source a disability policy to meet your needs so that you have an income replacement during a challenging time.

Long-Term Care Insurance

Long-term care insurance can help fund and provide needed care in case of a long-term illness or disability. Typically, care is provided in-home or in a facility when the insured person can no longer perform "activities of daily living" independently. Long-term care insurance ensures that you have access to and can fund the care you need when you need it most. We can look at the options and find a policy that meets your needs and budget.

Group Health Insurance

It seems like health insurance costs go up each year, becoming a significant expense for many households when you factor in co-pays and prescription drugs costs. Exploring group health insurance options could save you money or provide better coverage. We work with businesses to source group coverage options to meet their needs.

Medicare Strategies

Regarding Medicare, there are many details, options, and deadlines. We can help explain the program, help you understand your options, and make you aware of the deadlines. We can also explain and source Medicare Advantage Plans and Medicare Supplements. Being well-informed to make sound decisions for your health and your finances is prudent.