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Seniors Come First
About Us
Walter mcneal, sr.
Walter McNeal, Sr., is a highly respected professional with over 40 years of experience in the insurance industry. Since 1984, he has specialized in assisting the senior market. Throughout his career, Walter has demonstrated unwavering dedication to helping seniors navigate the complexities of insurance plans and ensure they find comprehensive and affordable coverage that meets their needs.
Walter McNeal, Sr. is a shining example of professionalism and dedication. He has impacted the lives of those he serves, cementing his legacy as a pillar of support and guidance in the insurance industry.
Final Expense life insurance
Senior life insurance helps ease the financial burden on families during difficult times, allowing them to focus on honoring their loved ones' memories without worrying about funeral or end-of-life expenses.
Life Insurance policies for seniors are more accessible and affordable than traditional policies, making them ideal choices for those who may struggle to qualify due to age or health concerns. They usually don't require a medical exam, and the premiums are lower, making them a feasible option for many.
Final Expense Life Insurance is essential for a comprehensive financial plan. Even with other life insurance policies, this specific coverage helps ensure that loved ones are not left with financial burdens after a person's passing.
Final Expense Life Insurance offers essential financial security for families during difficult times. By including this coverage in a financial plan, individuals can relieve their loved ones of economic burdens and ensure their final wishes are honored.
Index UNIVERSAL LIFE
Indexed Universal Life Insurance (IUL) is a permanent life insurance offering investment opportunities. A key benefit of IULs is their flexibility, allowing policyholders to adjust premiums and coverage amounts to meet their needs.
Unlike traditional life insurance policies with fixed premiums, Indexed Universal Life (IUL) insurance allows policyholders to adjust their premium payments based on their financial situation. This flexibility benefits those facing income changes or unexpected expenses, as they can temporarily lower their premium to maintain policy coverage.
The flexibility of Indexed Universal Life (IUL) insurance allows policyholders to allocate their cash value into indexed accounts that track specific stock market indices, like the S&P 500. An IUL can yield higher returns than traditional whole-life insurance policies, which generally offer fixed or minimal interest rates.
Indexed Universal Life (IUL) insurance policies offer flexible options for adjusting premiums, face amounts, and investments, making them an attractive choice for those who want customized coverage.
elderly care insurance
Elderly care insurance (LTCI) provides financial protection for individuals needing help with daily activities as they age. Long-term care (LTC) can help cover the expenses associated with nursing homes, assisted living facilities, and in-home care.
One significant benefit of long-term care (LTC) insurance is that it helps safeguard your assets and savings. Without this coverage, the costs associated with long-term care can rapidly drain your finances, putting you and your loved ones in a vulnerable financial position. LTC insurance offers peace of mind by ensuring you have a safety net in place.
LTC insurance can allow you to choose where you receive care and the type of services you want. It also helps alleviate the burden on family members who may otherwise have to provide care.
Investing in LTC insurance is a proactive step to ensure financial security and grant you valuable flexibility in your later years.
supplemental insurance
Elderly care Insurance provides essential coverage for those seeking extra protection beyond basic health plans. It offers various options without requiring health questionnaires or physical exams, making it accessible to everyone.
Dental coverage is a popular form of supplemental Insurance that helps reduce costs for routine care, such as cleanings, fillings, and extractions.
Supplemental Insurance also offers hearing and vision coverage.
Heart and stroke coverage is another crucial aspect of supplemental Insurance.
Cancer coverage is a vital component of supplemental Insurance. It offers lump sum coverage that pays directly to the insured for cancer treatments, medications, and other related expenses.
One key benefit of supplemental Insurance is Home Care. Benefits can range from $50 to $1500 per week for up to 52 weeks, even for individuals up to age 89.
The coverage options for dental, hearing, vision, heart and stroke, cancer, and home care are must-haves.