KEMPTON FINANCIAL GRP LLC

Products And Services

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  2024 Medicare Advantage Plans - Some $0 Premium

  Most Medicare Advantage Plans offer extra coverage, like vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). In addition to your Part B premium, you usually pay a monthly premium for the Medicare Advantage Plan.

  Price: 0.00 Extras

  Link: 2024 Medicare Advantage Plans - Some $0 Premium

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  2024 Medicare Supplement Insurance Plans - Most Major Carriers

  A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover, like: Copayments Coinsurance Deductibles Medigap policies are sold by private companies. Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here's what happens: Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then, your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

  Video: 2024 Medicare Supplement Insurance Plans - Most Major Carriers

  Link: 2024 Medicare Supplement Insurance Plans - Most Major Carriers

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  Life Insurance

  The goal of life insurance is to provide a measure of financial security for your family after you die. So, before purchasing a life insurance policy, consider your financial situation and the standard of living you want to maintain for your dependents or survivors. For example, who will be responsible for your funeral costs and final medical bills? Would your family have to relocate? Will there be adequate funds for future or ongoing expenses such as daycare, mortgage payments and college? It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event like marriage, divorce, the birth or adoption of a child, or purchase of a major item such as a house or business.

  Link: Life Insurance

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  Long Term Care Insurance

  Long-term care (LTC) insurance is coverage that provides nursing-home care, home-health care, personal or adult day care for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs.

  Link: Long Term Care Insurance

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  Fixed Annuties

  A fixed annuity is a type of annuity contract that allows for the accumulation of capital on a tax-deferred basis. In exchange for a lump sum of capital, a life insurance company credits the annuity account with a guaranteed fixed rate of interest while guaranteeing the principal investment.

  Link: Fixed Annuties

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  Final Expense Life Insurance

  Final expense life insurance is meant to cover funeral and burial costs for a person who dies. This type of life insurance is not meant to leave any extra money for the people the deceased leaves behind, it is meant to not leave them with the burden of expenses associated with a death. Here is everything you need to know about final expense life insurance, who should buy it, and how to get the best prices.

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  Employee Benefits

  he definition of employee benefits is straight-forward: additional compensation paid to employees on top of regular salary and wages. Some employee benefits are required by law; others are optional and serve as an important part of the overall compensation package used to attract and keep key employees. There are also different ways to structure and offer benefits. Whereas organizational-oriented benefits have historically been the way to offer benefits, many employers are turning to consumer-oriented benefits to better meet the expectations of employees and to better control cost.

  Link: Employee Benefits

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  Individual/Group Health Insurance

  Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.

  Link: Individual/Group Health Insurance