Life Insurance

Term Life Insurance

Provides affordable coverage for a set period (e.g., 20 years).

• • No cash value
  • Typically the lowest-cost option
  • Ideal for temporary needs or income replacement

Whole Life Insurance

Offers lifelong coverage with fixed premiums.

• • Builds cash value over time
  • Allows you to borrow against the policy
  • A stable, long-term solution

Universal Life Insurance

Combines long-term coverage with flexibility.

• • Adjustable premiums and coverage
  • Builds cash value
  • Adapts as your financial needs change

Medicare Supplement Insurance

While Medicare provides essential coverage, it doesn’t cover everything. Without a Medicare Supplement (Medigap) policy, you may face significant out-of-pocket costs.

Most Anthem customers choose Plan F or Plan G, though pricing depends on your ZIP code and age. If you’re planning ahead, it’s best to submit your application about 60 days before you want coverage to begin.

Medicare Supplement plans are regulated by federal and state laws, ensuring consistent benefits across providers. Take time to compare options and choose the plan that fits your needs best.

Long-Term Care Insurance

As we age, planning for future care becomes essential. Long-Term Care Insurance helps cover the cost of care in a Nursing Home, Assisted Living, or even at home through Home Health Care services.

This coverage typically begins when you’re unable to perform 2 of the 6 Activities of Daily Living (ADLs):

• • Eating
  • Bathing
  • Dressing
  • Transferring
  • Toileting
  • Continence

Why consider it early?
Premiums increase with age, so it’s wise to explore options before retirement. Also, don’t assume family will be able—or willing—to provide care. The emotional and physical toll can be significant.