Heitmann Insurance Services, Inc. - Financial Services / Medicare

Financial Services / Medicare Supplements

Life Insurance
Their are many types of life insurance to fit individual needs and circumstance. How much life insurance do I need? In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance. Learn more about life insurance here.

Disability Insurance
Disability insurance pays an insured person an income when that person is unable to work because of an accident or illness. Learn more about disability insurance here.

Long Term Care
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, and other physical activities. Learn more about long term care here.

Medicare Supplements
A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. Learn more about medicare supplements here.

Final Expense Insurance (also known as Burial Insurance)
Final Expense Insurance is one of the greatest gifts you can provide for your loved ones. Providing your family with the money needed to cover your final expenses is something that simply makes sense. Learn more about final expense insurance here.

Annuities
Annuities are a unique financial product that, along with Social Security, employer pensions, your 401(k) plan, IRA and other assets, can enhance your retirement security. Learn more about annuities here.

Business Group Plans
Types & Uses of Retirement Plans for Business/Group/Employees. Simplified Employee Pension (SEP) Plan, Simple IRA Plan, Profit Sharing Plan, Money Purchase Pension Plan, Age-Weighted or Comparability Plan, plus many more. Learn about about business group insurance plans here.