Monson Insurance

Life Income Annuities

Guaranteed Income for as long as you live

Tax preferred transfer of wealth to your heirs

Adjustable for inflation

Long Term Care Coverage if needed

Equity Indexed Annuities

Lock-in Stock Market gains every year

No losses in down-market years

Tax Deferred Gains

Tax advantages to beneficiaries

Possible Long Term Care Benefits

Life Insurance

Lowest rates on Term Life and Return of Premium Term

Permanent Life Insurance

Nearly every major life insurance company

High-risk cases approved

We have companies offering non-smoker equivalent rates to tobacco users who

Don't SMOKE Cigarettes (Dip, Chew, Snuff, Cigar, Pipe, Nicorette® gum)

Smokers, obese and those with challenging medical conditions

Life insurance for seniors up to age 90

Specialty Life Insurance:

Tax favored wealth transfer

Pay for long term care with no long term care insurance premiums

Even pay your family members!

Buy-Sell agreements for your business, small or large

Long Term Care Insurance

Best for age 45-75

Best for those in reasonably good health - not "build challenged" or on multiple medications

Best for those with assets or estate to protect of at least $500,000 and above

The California Partnership can protect your assets from Medi-Cal spendown

The Partnership is a solution for middle-income, $350,000+ estates

If LTC Insurance is for you, we strongly recommend a partnership plan

Benefits paid directly to care provider

Usually pays for Care Coordinator to help stress on caregiver, family or spouse

Benefits can increase annually - Inflation Protection

Best if you can afford a premium until you need coverage

Tax Qualified plans premiums can be partially tax deductible

All of the companies we offer are highly rated for financial strength

Life Settlements

Get cash for your unneeded life insurance policy

65 and older - $50 face amount minimum - better offers for $250,000 and above

We get you multiple offers at no cost to you and no obligation to accept any offer

IMPORTANT INFORMATION

IF YOU ARE NEAR YOUR

65th Birthday

Medicare Supplements (Medi-gap insurance)

An individual policy that pays for medical expenses not covered by Medicare

Premiums determined by your age

You have full control of which doctor, hospital, specialist or other services involved in your care

We offer only highly rated companies with very long histories in the Medicare Supplement area

Standardized plans have been approved by congress. You decide the best plan for you

Plans are the same from one company to the other

Not all companies offer all plans

Medicare Supplements are guaranteed issue, regardless of your health, on 65th birthday

Switch companies in California, without underwriting on any birthday (like-to-like plans)

Read the Center for Medicare Services 2008 Guide here

Medicare Advantage

First step toward "privatization" of Medicare

Your health care is managed by professionals - not the government

Can be paid for with Medicare premium you pay the government

Therefore, "zero premium" plans are available

Most plans have co-pays

Available during annual open enrollment period (November 15 - March 31)

Always available when you turn 65

HMO plans and "Private Fee for Service" plans available

Lower co-pays when you choose to pay a small monthly premium above your Medicare contribution

Medicare Drug Plans (Part D)

Pays for medications based on a "formulary"

Saves money for those who take a lot of medicine

Everyone should select some form of a drug plan when they turn 65

Plans can be very inexpensive