Life Insurance and Long-Term Care

Start with what the people who depend on you would need to pay: the mortgage or rent, debts, final expenses, and the income they would lose. Subtract savings and any coverage you already have. Our free life insurance calculator walks through the numbers, and we can go over the result with you.

Term life covers a set number of years at a lower price, which suits a mortgage or raising children. Permanent life stays in force for life and builds cash value, which suits final expenses, leaving money to family, or estate planning. Many families use a mix.

Medicare does not pay for ongoing custodial care, such as help with bathing, dressing or eating at home, in assisted living or in a nursing home. It covers only limited skilled care after a qualifying hospital stay. Long-term care insurance, hybrid life and long-term care policies, and short-term care plans are ways to plan for that cost.

Jacob Otero is the agency's life insurance agent, and Viola Lucero, CLTC, helps with long-term care and retirement income. You can book with either through the office.

Nothing. Insurance companies pay agents a commission when a policy is issued, and that is already built into the price whether you use an agent or not.

Buying the same plan on your own does not make it cheaper. It just means nobody checked your doctors and prescriptions first, and nobody picks up the phone when you have a question in March.

No agency does. Rise Up Benefits Group is independent and works with major insurance companies, so we compare across the ones we represent rather than selling one company's plans.

Call (480) 300-5776, send a message through the contact page, or come to a free workshop. There is nothing to sign to have a conversation.

Bring your prescription list and your doctors' names, and the comparison can be a real one rather than a generic one.

We stay your agent. We review your coverage with you every year as plans change, and you can call us for help with claims, billing or questions at any time.