Life insurance can help you fulfill promises you’ve made your family when you are gone. Don’t leave the future of you and your loved ones to chance. Tolliver Grey Partners (TGP) can help you find the right life insurance coverage for you and help ensure that your policy continually meets your needs.

TGP can get you a competitive quote, but sometimes getting a life policy issued requires a good match between you and an insurance company. The good news is we represent many top-rated carriers and can guide you to the program that will give you the best life insurance coverage for your age and medical condition. You can request everything on our Website. We’re also local, so you know you will get the personal attention you deserve.

SIMPLY SPEAKING An annuity is:

• A long-term, tax-deferred investment
• Able to provide protection for income, legacy and spousal needs
• Issued by an insurance company
• Purchased through a licensed financial advisor
• Able to be tailored to your unique retirement needs to help protect what matters to you

Do you have a gap in your retirement strategy? Let’s talk about the great retirement income gap and make sure you’re prepared to overcome it and retain your peace of mind.

Even with health insurance, a critical illness can be financially devastating. Having a Critical Illness plan in place can help ease the financial strain of an unexpected serious illness.

A hospital stay can be traumatic to your health, your wallet, and your family. Even if you have other medical insurance, there will almost certainly, be costs that aren’t covered.

That is when a Hospital Indemnity insurance plan provides you with supplemental cash benefits you can use however you want. It provides peace of mind by offering customized protection that pays benefits in your time of need. Hospital Indemnity insurance pays you a cash benefit for each day you are in the hospital.

This coverage is very flexible you choose both: The number of days (6,7,8,9,10,21,31) The cash benefits amount per day (From $100 to $600 in increments of $25) It also pays cash benefits for, travel to the hospital or medical facility and/or a hospital stay, inpatient mental health services, observation unit monitoring, emergency room services for injuries.

Of course, there can be many other costs associated with hospitalization. Hospital Indemnity insurance also allows you to choose optional benefits at an additional cost, including:

• ambulance or urgent care center services
• a cancer diagnosis
• outpatient surgery
• outpatient therapy and chiropractic
• skilled nursing services.

Whatever your need, a Hospital Indemnity plan can be customized to provide you with cash benefits and help protect your savings just when you need it the most.

These plans offer resources to supplement lost income so that you can focus on recovery, not on finances.

A diagnosis of cancer or suffering from a heart attack or a stroke could leave you unable to earn income. With mortgage or rent payments, car payments, and other bills, finding a way to pay for medical bills becomes an increasingly stressful ordeal.

Yes, it pays a death benefit, but as the name suggests, only provides coverage in the event you die due to an accident.

The different parts of Medicare helps cover specific services: Medicare Part A (Hospital insurance) Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Medicare Part B (Medical insurance) Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services. Medicare Part D (prescription drug coverage) Part D adds prescriptions drug coverage to: Original Medicare, Some Medicare cost plan, Some Medicare private-fee-for-service plans, and Medicare Medical savings account plans. These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that followes the same rules as Medicare Prescription Drug Plans.

Medigap
A Medigap policy is private health insurance that helps supplement Original Medicare. This means it helps pays some of the health care costs that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). These are “gaps” in Medicare coverage. If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share. A Medigap policy is different from a Medicare advantage Plan (like an HMO or PPO) because those plans are ways to get Medicare benefits, while a Medigap policy only supplements the costs of your Original Medicare benefits. Medicare does not pay any of your costs for a Medigap policy. All Medigap policies must follow federal and state laws designed to protect you, and policies must be clearly identified as “Medicare Supplement Insurance”. Medigap insurance companies in most states can only sell you a “standardized” Medigap policy identified by letters A through N. Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.

Medicare Advantage Plan (MA or MAPD)
Medicare Advantage plans: Are an alternative to Original Medicare that is provided by the federal government. Medicare Advantage plans covers all your Part A and Part B benefits. It may also include prescription drug coverage. It protects your out-of-pocket costs in a way Original Medicare does not. Medicare Advantage plans do not supplement your Original Medicare coverage like a Medicare Supplement (Medigap) plan does.

The Road to Retirement: A four-lane highway

Your success on the road can be made smoother by preparing and knowing your options.
No matter the course taken, the truth is that most retirees will need more funds in
retirement than they think. And counting on the government or corporate sponsored
plans can lead to disappointment.

Prepare today to help ensure your retirement will be enough. On the Road to Retirement
the lanes you choose can affect how and when you arrive.

Why is having health insurance important?

Because when you’re sick or injured, health care can be very expensive. Medical bills are one of the leading factors that push families toward bankruptcy and home foreclosure.

52% of US consumers have what’s called “low health care literacy.”

That means trying to understand how health insurance works is frustrating for many people. And it can be a struggle to choose a health plan.

Let a TGP broker help you weed through complicated insurance lingo and select the plan that best suits your needs and your budget.

So you and your employees have the solutions on hand to manage health priorities. For a happier, healthier workforce, and a healthier bottom line.

Accessible year round and even offer next day effective dates for those who qualify.

Dental health is key to overall health as well as the way you look and feel. Gum disease is linked to stroke, heart disease, diabetes and other health issues. Nearly 75% of American adults have some form of gum disease. Along with good dental care each day, regular dental checkups help detect, prevent and treat gum disease and related problems.

Contact us to get the right dental plan that matches your needs, age and budget. From preventive to comprehensive plans, we can help!

Eye exams at every age and life stage can help keep your vision strong. Many people think their eyesight is just fine, but then they get that first pair of glasses or contact lenses and the world comes into clearer view—everything from fine print to street signs.

Improving your eyesight is important—about 11 million Americans over age 12 need vision correction—but it’s just one of the reasons to get your eyes examined. Regular eye exams are also an important part of finding eye diseases early and preserving your vision. We offer vision benefits for any age.