Samuel Grant Insurance

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Most long-term care expenses are not covered by Social Security or Medicare, Medicare Supplement ("Medigap"), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to "spend down" most of your assets on health care.

With Life Insurance “Surrender Charges” are the fee deducted from a life insurance policy pay-out when a policyholder terminates the policy for cash value.

“Keep your face always toward the sunshine, and shadows will fall behind you.” – Walt Whitman

Fast Fact: 53% of American men own life insurance compared to 46% of women. 68% of people with life insurance feel financially secure, compared to 47% of non-owners.

Universal Life Insurance was created to provide more flexibility than whole life insurance by allowing the policy owner to shift money between the insurance and savings components of the policy.

Burial insurance: A general term usually referring to a small policy of life insurance ($5,000 to $25,000) intended only to meet the final expense needs of the insured.

Fast Fact: Whether you qualify for Medicaid coverage depends partly on whether your state has expanded its program. Medicaid benefits, and program names, vary somewhat between states.

Feeling overwhelmed about your Life insurance options? We are here to educate you on your options!

Every strike brings me closer to the next home run. –Babe Ruth

Life Insurance fast fact: Beneficiaries typically owe no taxes on Life Insurance death benefits. Death benefits do not count as income; many people are unaware of that.