Let's face it, insurance can be confusing even for the best of us. As an independent agency, we aren't locked into one company. We search different companies and rates to get you the best value for your insurance dollars. Your cost is exactly the same, whether you use us, or go directly to the insurance company yourself.
Health and Life Strategies LLC represents only insurance companies with A ratings, who will be around in 30 or 40 years when you need the money. Let us save you time and headache of comparing companies and plans. It costs no more for you to let us do the legwork for you! As a licensed Life & Health Insurance Agent since 2008, Erica believes as your life changes, so should your Insurance.
Health and Life Strategies LLC represents only insurance companies with A ratings, who will be around in 30 or 40 years when you need the money. Let us save you time and headache of comparing companies and plans. It costs no more for you to let us do the legwork for you! As a licensed Life & Health Insurance Agent since 2008, Erica believes as your life changes, so should your Insurance.
Services
But the sheer volume of codes, laws and revisions are enough to make even the smartest people throw up their hands! So with that in mind, we put together a quick little tutorial that can help you sort out your options for 2020. Now it's important to note that there are several good reasons for having health insurance, first it can keep you alive, but from the financial aspect, it can bankrupt you.
In short, you want life insurance for the people in your life, so they can continue to lifestyle they've been living. Living in the same home, the children going the same schools and leaving them with the same security as if you were still there to provide for them. TO REPLACE LOST INCOME: Your family would need to maintain their standard of living after the death of a wage earner.
Supplemental Insurance, or Indemnity Policies, pay cash to you when you need it most. It is insurance for daily living expenses. When you're sick or hurt, health insurance is only part of the solution. Indemnity plans pay cash for you to use as you see fit, for the mortgage, rent, car payment, gas or food for the family, whatever is most important to you.
Because Disability Insurance is like Paycheck Insurance. Aside from your health, your ability to earn income is your most valuable asset. I'm always amazed how most people have homeowner's insurance to protect their homes, car insurance to protect their cars and life insurance to protect their family in the event of their death, but few have disability insurance to protect their income.
Are you or someone you know new to Medicare? Becoming eligible for Medicare can make health insurance more affordable, but original Medicare alone doesn't cover the full costs of medical services. There are doctors' visits, hospital stays, lab work, - not to mention the costs for outpatient prescription drugs or routine dental, vision and hearing care.
Reviews (10)
David Fasnacht
Nov 16, 2020
Report
Erica is the best ! Rarely do I give a perfect review on anyone or any business. But she is worthy of it. My wife and I entered the confusing world of Medicare a few years back and while I spent good time reading and had a pretty good understanding of it ( My wife has a somewhat rare and complicated heart condition ) Erica came straight away and gave is expert guidance and has been here each year since. I highly recommend her. My wife echoes everything I just said.
Greg Klang
Nov 15, 2020
Report
Sharon Murphy
Sep 08, 2020
Report
Craig Story
Sep 01, 2020
Report
Greg Fidlon
Aug 16, 2020
Report
Positive: Professionalism, Quality, Responsiveness, Value
Erica is extremely knowledgeable and a pleasure to work with. She always responds promptly and provides valuable information. With the ever-increasing complexities of the healthcare options, it is important to have a great resource like Erica to call upon. I highly recommend her!
Erica is extremely knowledgeable and a pleasure to work with. She always responds promptly and provides valuable information. With the ever-increasing complexities of the healthcare options, it is important to have a great resource like Erica to call upon. I highly recommend her!
Stephanie Cadena
Jun 11, 2020
Report
Karen Taylor
May 18, 2020
Report
Gary Kelly
May 09, 2020
Report
Dan McMillan
Dec 07, 2019
Report
Tyler Blackwell
Jul 25, 2018
Report
