What we do
Life Insurance, Annuities & Long-Term Care
Medicare and a group medical plan cover a specific set of risks. They do not cover the cost of long-term care, they do not replace income, and they do not settle an estate. This is the coverage that fills those gaps.
Life insurance and final expense
We bring you competitive and complete life packages for both markets — individuals and seniors on one side, employer groups and key-person cover on the other.
Final expense policies are written for a narrower job: covering funeral costs, medical bills left behind and the small debts that otherwise land on family at the worst possible moment. Underwriting is usually simplified, and the face amounts are sized to the task.
Annuities
An annuity converts a lump sum into predictable income, which is a different problem from the one life insurance solves. The trade-offs — surrender periods, rate guarantees, how and when income starts — vary widely between carriers.
As with everything else we place, we compare carriers on the whole package and on their record of service, not just the headline rate.
Long-term care, specified disease and hospital indemnity
Long-term care is the single largest uncovered expense most retirees face. Medicare pays for limited skilled nursing and home health after a qualifying stay; it does not pay for custodial care, which is what most people actually end up needing.
Specified disease plans (cancer and critical illness cover) and hospital indemnity plans pay a cash benefit directly to you, which can be used for anything — including the costs a medical plan was never designed to touch.
Dental, vision and hearing
Routine dental care, hearing aids and eyeglasses are statutorily excluded from Original Medicare. We have several carriers offering competitive dental, vision and hearing benefits for people who want that coverage without moving to an Advantage plan to get it.
Questions about Life Insurance, Annuities & Long-Term Care?
Using Rusty von Sternberg as your agent of record costs exactly the same as buying direct — and you get quotes from over 30 carriers, annual rate shopping, and claims help for free.