We offer independent insurance agents like you a wide range of life, health, annuities, accident, ancillary and senior products for you to sell.
Combine your Original Medicare Part A and Part B with additional coverage, all in one plan.
Add supplemental benefits and coverage to your Medicare Parts A & B.
Add standalone prescription drug coverage to any Medicare coverage you already have.
Add coverage for dental, vision and hearing to your current Medicare coverage.
Coverage for you and your family for end-of-life and funeral expenses.
Additional coverage to manage your expenses if you need to go to the hospital.
Coverage to guarantee income for yourself as you get older.
Protect your loved ones with a life insurance policy, with optional riders.
We offer many more coverage options: short-term care, long-term care, home health care, critical illness, disability, and travel insurance.
We believe in you and your ability to serve. As one of the oldest FMOs in the country, we know what it takes to support our agents and we offer a product lineup that helps you grow your business. We constantly give you opportunities through incentives to increase your income even more!
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When choosing a life product, make sure that life insurance needs are met long-term, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance through riders, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs typically carry an additional charge. The payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the life policy. Additionally, policy loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the life policy. There is no guarantee that a rider will cover the entire cost for all of the insured’s long-term care, as this may vary with the needs of each insured.
Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.
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 your options. Drennan is not affiliated with a government agency.
