Types of Insurance

The right fit for you

With Insurance, one size doesn't fit all.
We want "the right fit for you."

MEDICARE SUPPLEMENTAL INSURANCE PLANS: When one becomes eligible for Medicare or leaves/retires from a company, there are many options for supplements. There are so many options that it can be confusing One is inundated with mailings. But what does it all mean? We can help you by providing information and look at the most competitive premiums for the plan that you think will work best for you. We will give you the knowledge that you need to make the best decision for your circumstances. Also certified to offer Part D Prescription Plans.

HEALTH INSURANCE: You may be retired, have been downsized or working at a business where Health Insurance is not offered. Or, you may be self-employed. You are not yet eligible for Medicare but you need coverage. Lynne McAllorum is certified to help with plans offered through Maryland Health Connections.  Contact us to find out more. We also offer DENTAL plans.

LIFE INSURANCE: Circumstances can vary widely with Baby Boomers. Some have an empty nest and some still have children at home. The fact is that if you have people depending on your support and income then you probably need life insurance. If you have left a job, you may have lost life insurance with it. There are affordable insurance products available. We have access to virtually every life company on the market. We look at what you need and what you can afford and then see who provides the most competitive rates.

LONG TERM CARE INSURANCE: Long Term Care is the care one may need if he/she cannot function on one's own and needs help with activities of daily living or is not able to take care of oneself safely because of Alzheimer's or dementia. Many of you may already had the experience of a loved one needing care. It is estimated that 70% of people who reach age 65 will need some form of Long Term Care before they die. Medicare and Medical insurance do not cover long- term care. You can pay for the care yourself if you need it or can insure for the risk. There are traditional long term care insurance products and hybrid life insurance products that can be used to pay for Long Term Care. Contact us if you would like to learn more.