Lorenz Insurance Services
Medicare Services
My grand children keep reminding me that Medicare is just right around the corner for me; so I know how important it is to unravel the mystery of Medicare, Medicare Supplement and Medicare Advantage to Medicare eligible individuals. As an independent insurance agent I represent a number of excellent insurance providers serving the people of Wisconsin.”
Individual Major Medical
Being self employed means I provide for my own health insurance; so I know the difficult task of insuring oneself from catastrophic health care costs. For those considering early retirement or for those needing to ensure a spouse there are a number health insurance programs to consider, short-term verses long-term health insurance. Conventional major medical verses high deductible health insurance plans and the question of insurability. There are a number of good health care insurance options available and by January 2014 there will be more.
Life Insurance
When you become Medicare eligible it is also an excellent time to re-examine life insurance programs that you are enrolled in. Over the last 10 years the basic life insurance policy has changed from offering a simple dead benefit to the beneficiary; to offering a living needs benefit to the insured. With long-term-care on the minds of many Medicare eligible individuals, now is the time to evaluate.
Financial Planning - Annuities
The biggest problem facing people who are retiring or thinking about retiring is - can I afford it. Many people put a blind trust in their “financial planner” so I will not bore you with the horror stories I have come across about people have done this. My belief when it comes to financial planning and investing is get a second opinion.
