Choosing a Medicare Advantage plan is a big decision
New Medicare Advantage options are coming in 2024
Get our New to Medicare guide for information to help you choose the right plan
Understanding Medicare
Behind every member, every call, and every interaction is an individual with a unique need. We recognize this and respond with real understanding every time. We want to be your companion — in any way we can. We can help you understand the different parts of Medicare, the costs, enrollment period, and more.
What is Medicare?
Medicare is a federally managed health insurance program providing coverage for people 65 and older and those with qualifying disabilities.
How much does Medicare cost?
Medicare can cover a lot of health expenses! How much you pay depends on what kind of coverage you choose.
When should you enroll?
You should enroll in Medicare when you first become eligible: when you turn 65, when you retire, or due to a disability.
Medicare Advantage that goes the extra mile
Working at 65
and beyond
Are you or your spouse working at 65? There are a few things you should know.
Ten ways
to walk more
each day
Walking is one of the best ways to meet your exercise goals. It doesn’t require any special equipment, and nearly everyone can do it.
Know your
heart health
Heart tests can help you and your doctor better understand your risk for heart disease. Here are three tests you should know about.
Still Have Questions?
Personal Umbrella Insurance
Personal umbrella insurance is a type of liability insurance designed to enhance your basic liability policies, such as those for your auto, home, or renters insurance. This policy acts as an additional layer of liability coverage, providing protection beyond the limits of your existing policies. Here’s how personal umbrella liability insurance works:
The primary objective of your umbrella policy is to safeguard your assets from unexpected events, such as a tragic accident for which you are held responsible for damages or bodily injuries. In the event that another party initiates a lawsuit against you, your umbrella coverage will step in to cover the damages for which you are legally liable, up to the policy’s specified limit. This added layer of protection can prove invaluable in preserving your financial well-being and assets in the face of significant liability claims or legal actions.
An umbrella policy provides additional coverage or “excess liability” above the limits of your basic policies. It can protect you from bodily injury liability claims and property damage liability claims. Umbrella policies also provide a broader form of coverage and can help cover legal fees, false arrest, libel, and slander.
Commercial / Business Umbrella Insurance
Purchasing Business Umbrella Insurance offers several key advantages compared to simply increasing the limits on your existing insurance policies:
Cost-Effective: Business Umbrella Insurance is often more cost-effective than raising the limits on individual policies. You can pay lower monthly premiums while gaining substantial additional insurance protection.
Comprehensive Coverage: With a Business Umbrella policy, you can expand your coverage limits across multiple policies through a single umbrella policy. For instance, instead of raising limits separately on General Liability, Auto Liability, and Employer’s Liability policies, you can invest in one Umbrella Liability policy that provides extended coverage across all three.
Simplified Management: Managing a single umbrella policy is more straightforward than juggling multiple policy limit increases across different coverage types. It streamlines your insurance portfolio, making it easier to understand and manage.
Enhanced Protection: Business Umbrella Insurance offers broader protection. It not only increases limits but can also cover liability situations that may not be included in your primary policies.
Asset Protection: By opting for an umbrella policy, you can better protect your business assets and financial well-being in the event of significant liability claims or lawsuits.
Overall, Business Umbrella Insurance provides a cost-effective and efficient way to bolster your liability coverage across various aspects of your business operations, ensuring you have adequate protection without the complexity and expense of individually increasing policy limits.
For a single premium, a Business Umbrella insurance policy adds another layer of protection to any of several other policies that you might carry, including General Liability, Employer’s Liability, and Hired and Non-owned Auto Liability policies. For instance, if you have $1 million in General Liability coverage and a covered claim is settled for $1.5 million, your Business Umbrella Insurance policy would pick up the $500,000 not covered by your General Liability policy.
You may also call 8643962681 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state.
“I’m incredibly grateful for the invaluable help I received from Medicare Solutions. Their expertise and personalized guidance made selecting the right plan a breeze. I highly recommend them to anyone navigating their Medicare options!”
Local Agent. National Support.
You have the advantage of working with a local, independent agent who resides in your community and understands you on a personal level. Simultaneously, this agent is supported by a reputable national firm with nearly 35 years of service in the Southeast. This means you don’t have to make a choice between a personal connection with
