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Calculating Budget

Resources

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Upcoming Events & Webinars

A new law called Inflation Reduction Act will change the Medicare Prescription Drug Progra

Medicare Resources

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Testimonials

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"I found Juana always quick to respond to my calls. A gem. She is professional, friendly and was very helpful in navigating me through the Medicare 'web'."

- Diana

FAQs

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What factors should I consider when purchasing life insurance?

When purchasing life insurance, it's crucial to consider factors such as your financial obligations, including mortgage, debts, and future expenses. Additionally, assess your family's financial needs, such as income replacement and education funds for dependents. Your health, age, and lifestyle also play a significant role in determining the type and coverage amount of life insurance that suits you best. Our trained agents can complete a needs analysis with you and offer you options.

What are the key features to look for in a Medicare health insurance plan?

When selecting a Medicare health insurance plan, it's essential to consider the coverage provided, including doctor visits, hospital stays, prescription medications, and preventive care. Evaluate the network of healthcare providers to ensure your preferred doctors and hospitals are included. Look into the plan's cost-sharing provisions, such as deductibles, copayments, and coinsurance, to understand your financial responsibilities. Additionally, consider the cost of your medications and additional benefits like coverage for mental health services, maternity care, and wellness programs.

How do I know if a life insurance policy is affordable for me?

To determine if a life insurance policy is affordable, evaluate your budget and financial goals. Consider the premiums you can comfortably afford while maintaining your standard of living and meeting other financial obligations. Our agents can help you compare quotes from multiple insurance providers to find a policy that offers adequate coverage at a competitive price. Additionally, consider the long-term affordability of the policy by assessing potential premium increases and the impact on your finances over time.

What is the difference between term and permanent life insurance?

Term life insurance provides coverage for a specific period, typically 10, 20, or 30 years, offering a death benefit to beneficiaries if the insured passes away during the term. It's often more affordable and suitable for temporary needs, such as income replacement during working years or mortgage protection. In contrast, permanent life insurance, such as whole life or universal life, offers lifelong coverage with a cash value component that accumulates over time. It can serve as both protection and an investment vehicle, with higher premiums but potential benefits like cash value growth and policy loans.

How does my health condition affect my ability to obtain Final Expense life insurance?

Your health condition significantly influences your ability to obtain life insurance for final expenses and the premiums you'll pay. Insurers assess your health through medical underwriting, which may include a review of your medical history, current health status, and sometimes a medical exam. Pre-existing conditions, lifestyle factors like smoking, and age can impact your insurability and the cost of coverage. If you have health concerns, consider working with one of our insurance agents who can help you find coverage options tailored to your needs and circumstances.

Community Involvement

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At LP Insurance NY, we believe in giving back to the communities we serve. We actively support and participate in initiatives that strengthen our neighborhoods. Our commitment to community is a cornerstone of our identity, reinforcing our dedication to not just meeting, but exceeding, the needs of the individuals and families we insure.

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ALZ Walk team 2022
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Contact Us

Please feel free to contact us with any questions you may have. Our team is dedicated to providing you with the best possible service and support.

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