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Insurance for Individuals and Families
Click here for business insurance
We have the independence to offer you potentially huge savings from what you are paying now for insurance.
Click here to request an Insurance Quote
Life Insurance
We help you prepare for the unthinkable
Universal Life
Insurance
Premiums
Flexible
Duration*
Permanent (for life)
Cash Value:
Yes
Grows tax-differed
Can be withdrawn tax-free as policy loans**
Death Benefit:
Tax-free
*This assumes all premiums are paid on time and in full.
**Under current tax law, policy loans are viewed as a return of principal and can be with taken out tax-free, certain restrictions such as those imposed on modified endowment contracts may apply.
Whole Life
Insurance
Premiums
High
Duration*
Permanent (for life)
Cash Value:
Yes
Grows tax-differed
Can be withdrawn tax-free as policy loans**
Death Benefit:
Tax-free
*This assumes all premiums are paid on time and in full.
**Under current tax law, policy loans are viewed as a return of principal and can be with taken out tax-free, certain restrictions such as those imposed on modified endowment contracts may apply.
Health Insurance
Why struggle? Health insurance costs the same whether we assist you or you do it yourself.
Explore our healthcare services by clicking the icons below.
Three ways people get health insurance
Medicare
We can help you choose the right Medicare path for you.
*We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
How to enroll in a Medicare Plan
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Annual Election Period: Oct. 15th to Dec. 7th
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MA Open Enrollment Period: Limitations Apply*
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Initial Enrollment for Medicare Part A and B:
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7-month period, begins 3 months before the month you turn 65.
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This is automatic if you are already receiving social security (1st day of the month they turn 65)
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If not automatic, enroll:
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Online at www.SocialSecurity.gov.
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By calling Social Security at 1-800-772-1213, M-F from 7AM to 7PM.
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In-person at your local Social Security office (limits during COVID-19)
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Special Enrollment Period: Requires qualifying event
*Note: If you sign up for Medicare Part A (Hospital Insurance) and/or Medicare Part B during the first 3 months of your Initial Enrollment Period, your coverage starts the first day of the month you turn 65. If your birthday is on the first day of the month, your coverage starts the first day of the prior month.
What to bring to an appointment:
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Lists of:
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Medications, and their dosage and frequency
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Preferred providers such as doctors and clinics
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Preferred pharmacies
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An idea of how much you currently use medical services
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Valid ID
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Medicare enrollees: Medicare card or # if available
Types of Medicare Plans
Medicare Advantage Plans
Medicare Advantage Plans are offered by private companies and provide all your Part A and B benefits, they also have the flexibility to provide additional benefits as well - including preventative dental, hearing, and vision benefits.
Medicare Supplements (Medigap)
Medigap is Medicare Supplement Insurance, sold by private companies, that helps cover the 20% "gap" (like copayments, coinsurance, and deductibles) that original Medicare's parts A and B don't pay for.
Medical supplements can have medical underwriting requirements to enroll (except during you initial enrollment period for Medicare).
Prescription Drug Plans
Medicare prescription drug coverage is an optional benefit offered to everyone who has Medicare.
Need help paying your Medicare premiums?
You can ask us about Low Income Subsidies (LIS)
Healthcare Marketplace
We assist people in shopping for private insurance.
The Healthcare Marketplace is where individuals, families, and small businesses can:
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Compare health insurance plans regarding coverage and affordability
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Find healthcare providers and check prescription formularies
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Find out if you are eligible for tax credits for private insurance
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Enroll in a health and/or dental insurance plan that best fits your needs
We can help you choose a plan that fits your needs.
When can you enroll?
Open Enrollment Period: Nov. 1st to Dec. 15th
Special Enrollment Period: Requires qualifying event
T. Mann Financial is recognized nationwide for helping consumers with qualified health insurance coverage and has earned a spot in the 2021 Marketplace Circle of Champions.
Agents and brokers play a vital role in helping consumers access qualified health plan coverage and navigate their new health insurance plans throughout the year. We thank Todd Mann for his dedication to providing exceptional service.
Randy Pate
Director of the Center for Consumer Information & Insurance Oversight within CMS, which oversees the Marketplace.
Dental
Sign-up for dental by itself or with medical insurance.
Costs depend on things like:
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Age,
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Extent of coverage (preventative only vs. full coverage),
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and the maximum annual benefit (usually $1,000 or $1500).
It is important to note that some of these plans are complex, and you should be aware that some have:
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High premiums
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Exclusions
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Waiting periods
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Cost sharing
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Limited networks
When can you enroll?
Open Enrollment Period: Nov. 1st to Dec. 15th
Year round with select companies
Disability Income & Long -Term Care
We help you plan for when you might need extra help.
Disability Insurance
Protection
Long-Term Care Insurance
Protection
Disability Income Insurance protects one of your greatest assets, your income, while you are in your earning years.
Long-term Care Insurance protects your nest-egg by helping you cover the costs you might incur if you end-up needing long-term care.
Disability Income Insurance
Are you likely to be disabled in your lifetime?
How would you pay your bills?
What does disability look like?
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Back pain
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Joint pain
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Nervous system-related disorders
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Heart disease
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Cancer
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Mental illness
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7% Accidents, injuries, and poisonings
90%
90% of disabilities are caused by illness rather than accidents
(according to the Council for Disability Awareness)
Customize the policy to fit your needs
(options vary by company and policy)
1. Define total disability: own occupation or any occupation
2. Choose benefit period: 2, 5,10 years or to age 65, 67, or 70
3. Choose elimination period: 60, 90, 180, or 365 days.
4. Choose your riders:
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Wave mental disorder/substance abuse coverage 2-year limit
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Residual Disability riders
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Cost of Living riders
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Catastrophic Disability Benefit (CAT) rider
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Guarantee of Physical Insurability (GPI) rider
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Annual Renewable Disability Income (ARDI) rider (lower initial premium)
Which annual compensation package would you choose?
A: Healthy $100,000, Totally disabled $0
B: Healthy $99,000, Totally disabled $60,000
Long-Term Care Insurance
69%
Did you know that 69% of people turning 65 today will need long-term care at some point?
2019 U.S. Department of Health and Human Services (longtermcare.acl.govopens in new window), site accessed 08/06/20.
Long-Term Care (LTC) is a variety of services and support for your personal care needs. Long-term care is not necessarily just medical care - instead, most long-term care services offer help & support with basic tasks occurring in everyday life. These include bathing, dressing, and using the bathroom (sometimes called activities of daily living).
Cost of Care Examples
Long-Term Care Service
Description
National Median Annual Private Pay Price
Nursing Home
Provides a higher level of care in a residential facility with 24-hour skilled nursing supervision
Assisted Living Facility
Provides personal care and limited health services in a residential setting; the level of care may not be as extensive as that in a nursing home
Home Health Aide
Provides assistance with personal care (e.g., bathing, dressing, eating) and other routine activities (e.g., preparing meals, doing laundry) in a person’s home
Adult Day Care
Provides social and supportive services in a community-based setting, usually during typical weekday business hours
$102,200
(Private room)
Change since 2018: 1.82%
$48,612
(Private, one-bedroom unit)
Change since 2018: 1.28%
$35,880
Based on 30 hours/week
Change since 2018: 4.55%
$19,500
Based on 6-8 hours/day for 5 days/week
Change since 2018: 4.17%
Source: Genworth, Cost of Care Survey 2019 (available at https://www.genworth.com/aging-and-you/finances/cost-of-care.html).
Can you afford to live life without a financial plan?