HEALTH & WELLNESS SOLUTIONS
Pays Your Health Providers
HEALTH
INSURANCE
Covers claims for inpatient services, outpatient services and prescription drugs for members ages 0-64.
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Why it's needed?
Avg cost of injury: $9,992
Avg cost of diabetes: $19,807 Yr.
Avg cost of cancer: $147,000+ Yr.
Recommended for:
Ages 0-64
Avg cost of coverage: 0% - 8.5% of Income
MEDICARE
PLANS
Covers claims for inpatient services, outpatient services and prescription drugs for Medicare members.
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Why it's needed?
Avg cost of injury: $9,992
Avg cost of diabetes: $19,807 Yr.
Avg cost of cancer: $147,000+ Yr.
Recommended for: Medicare members only
Avg cost of coverage: $175 - $350+ per mo.
DENTAL
& VISION
Covers claims for oral & optical health services, prescriptions & appliances for ages 1-100+.
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Why it's needed?
For every $1 spent on dental wellness, $3.00 is saved in future needs. Recommended for: Ages 1+
Avg cost of coverage:
Discount only: $7 per mo
Insurance plans:
$20/ child $45/ adult.
LONG TERM
CARE
Neither health insurance nor Medicare pay for LTC. The only way to pay for this is with your own funds, a LTC policy OR if you can qualify for Medicaid.
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Why it's needed?
Strict rules prevent you from transferring assets to someone else and Medicaid can come after your estate for reimbursement if they help pay your LTC bills.
The average cost of private nursing care is over $110K per year.
Recommended for: Ages 40+ with assets to protect.
Avg cost for coverage: $99-$999 per month.
FIXED
INDEMNITY
These are reimbursement plans that pay YOU or your provider, the specified cash benefit if you suffer a qualifying illness or injury...
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For example: PLAN A will pay you $1,000 upon a hospital admission, $50 for a doctor visit, $75 for specialist visit and $25 per prescription. PLAN B offers double the coverage of PLAN A.
Recommended for: Members with health insurance or Medicare, concerned about still having out of pocket medical expenses like deductibles and copays.
Avg cost for coverage: $55-$99 per mo.
TRAVEL
INSURANCE
Covers health emergencies, medical evacuation, trip cancellation expenses, lost luggage and more.
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Why it's needed?
Travel can be VERY expensive and because last minute issues can arise, this coverage offers "cancel for any reason" investment protection. Also, most traditional health plans do not offer coverage outside of the US border.
Recommended for: All international travelers
Avg cost for coverage: 5% - 10% of total trip investment.
ASSET PROTECTION SOLUTIONS
Pays You Cash to Help Avoid a Financial Catastrophe
ACCIDENTAL
INJURY
Helps pay your deductible and other out of pocket expenses due to injury. This is your highest risk.
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Especially for those with active lifestyles, athlete's and those with kids in the home.
Recommended for: Anyone concerned about having to meet a high deductible suddenly and all at once.
Avg cost for coverage: $20 per mo per person for $5,000 coverage
CRITICAL
ILLNESS
Pays a lump sum upon diagnosis of a critical or terminal illness. Average recovery time could mean 3-6 months without income.
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Why it's needed?
You have almost a 50% chance of a cancer diagnosis and it will cost the average family $52K of their own savings due to loss of wages (avg recovery: 3-6 mo) and expenses insurance doesn't cover.
Recommended for: All members age 29+ without these funds readily available for use.
Avg cost for coverage: $42.28 mo for $50K (male, 45).
DISABILITY
INCOME
Pays monthly cash benefits for a specified time period to cover loss of income due to a qualified illness or injury.
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Why it's needed?
You have a 25% chance of a disability before age 65 and this coverage insures your income so you can still pay your bills while you're out of work.
Recommended for: All members who depend on "earned income" to meet their monthly obligations.
Avg cost of coverage: 1.5% - 3% of annual income
LONG TERM CARE (HYBRID)
Death benefit policy with cash benefits available for Critical Illness, Terminal Illness, Disability and Long Term Care.
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Unused death benefits payable to beneficiary. Funds move tax free. Can be rented or owned.
MORTGAGE PROTECTION
Cash protection that pays off your mortgage balance upon the death of the insured.
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This coverage is unique in that the death benefit amount, decreases along with your mortgage balance offering incredible affordability! Don't pay full price for a term policy if a portion of it is intended to pay off your mortgage. This strategy is less expensive.
TERM LIFE
INSURANCE
Rental death benefit policy with cash benefits available for Critical Illness, Terminal Illness, Disability and Long Term Care.
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Unused death benefits payable to beneficiary. Funds move tax free. Expires after 10-30 Yrs.
ASSET GROWTH SOLUTIONS
Let's Build the Retirement of your Dreams!
INDEXED UNIVERSAL LIFE
Death benefits payable to your beneficiary tax free. A percentage of the death benefit is available for Critical Injury, Critical Illness, Terminal Illness and Long Term Care. You can also add an "income for life" rider!
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Triple Compounding Interest. 1.) Floor starts over each year. 2.) Earns interest on the interest 3.) Earns interest on taxes you didn't have to pay (no tax on growth). Participate In the index fund with a guarantee of no losses. Lasts a lifetime. Add the lifetime income rider and receive tax-free income for life!
IRA/401k
ACCOUNTS
Tax favored accounts. Some restrictions on deposit amounts and early withdrawal penalties can apply.
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Maximize your tax incentives and take full advantage of all the programs available! Or set up a fund to match your employee retirement contributions.
TAX-SHELTERED
ANNUITIES
Turn your lump sum into structured guaranteed payments over time. Or start with an affordable monthly payment and watch your savings grow by participating in the S&P Index with NO risk.
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Triple Compounding Interest. 1.) Floor starts over each year. 2.) Earns interest on the interest 3.) Earns interest on taxes you didn't have to pay (until withdrawal). Participate In the index fund with a guarantee of no losses. Add the lifetime income rider and receive guaranteed income for life!
ADDITIONAL SOLUTIONS & SERVICES
Get the best value for your dollar with pre-packaged benefits
5-IN-1 FAMILY SECURITY PLAN
Rental coverage that pays cash for critical illness, critical injury, terminal illness and long term care.
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If benefits go unused, the death benefit pays to your beneficiary tax free.
6-IN-1 TOTAL PROTECTION PLAN
Permanent coverage that pays cash for critical illness, critical injury, terminal illness, long term care and pays income for life!
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If benefits go unused, the death benefit pays to your beneficiary tax free.
POLICY
REVIEW
Having a professional like me review your current coverage each year is an essential piece of your financial health...
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You could be over-insured, under-insured or just not have the right coverage all together. You could also be missing out on a new, better suited program and savings.
Contact Us
Mon-Fri : 9:00 - 6:00 PM
Sat: 9:00 AM - 1:00 PM
tracy@snibrokers.com
866-758-7229
520-272-5950
7150 E Camelback Rd Ste 310, Scottsdale AZ 85251
THE LEGAL STUFF
To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.
* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.
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. , 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Attention: This website is operated by Cornett Consulting Insurance Agency, Inc. and is not the Health Insurance Marketplace® website.
Cornett Consulting Insurance Agency. is licensed in AZ, FL, TX & VA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.
Cornett Consulting Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.
This information is not a complete description of benefits. Call your plan’s customer service phone number for more information about your specific benefits, limitations, exclusions and costs.
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