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Better Tomorrow!

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Retirement depends on the Quality of your Planning!

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Retirement Planning

Long Term Care
Design a plan to suit your individual needs. You have a choice of Home Care, Assisted Living or Nursing Home Care or a plan that combines them all!

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Investment Basics

What’s Your Investing Style?

Before deciding where to invest your money, you need to know how much risk is right for you. 

In how many years do you expect to start using this investment?

What plans do you have for this money during the next 10 years?

How do you expect to use the money from this investment in the future?

How concerned are you about the value of your investments relative to inflation?

In case of an emergency, do you have savings equal to at least six months of your total monthly expenses that you can use, apart from the amount you will invest here?

What investment strategy describes you you feel... slow and steady is the smart way to get ahead or risk is the best way to lead the pack? Or maybe somewhere in between?

 

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Long Term Care

Comprehensive Policy

This is our most comprehensive plan available because it combines the benefits of the Home Care Plan and the Nursing Facility Only Plan. This combination takes into account your possible changing long term care needs. After confinement in a Nursing Facility or a Residential Care Facility for the Elderly for 60 days, your premiums will be waived.

Benefits For Services Provided in Your Home or Community:

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Long Term Care Services 

To help improve and maintain your quality of life, the policy will help pay for the costs of services provided by a licensed professional nurse, or a licensed physical, speech, respiratory, or occupational therapist.
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Home Health Agency Services

As you get older you may need help with everyday activities like bathing and dressing. This policy will help pay the costs for those services and personal self care activities that are referred to as "Activities of Daily Living." These activities include: ambulation, bathing, toileting, continence, dressing, eating, and transferring (such as moving from a bed, chair or wheelchair). The coverage may also provide invaluable assistance with such things as doing your laundry, cooking, cleaning and shopping
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Respite Care

This plan can help pay for services that provide an alternative care giver to assist you, allowing your primary care giver the opportunity to take a break and enjoy some well deserved rest. (This benefit is limited to 14 days per calendar year.)
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Adult Day Care

This policy will help pay for the costs of a program that offers social and health related services during the day in a community group setting. The purpose of this program is to provide support to you if you are frail, impaired or disabled and can benefit from care outside the home during the day, while your primary care giver provides support to you at home during the night.
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Hospice Services

If you are confined in a Hospice Care Facility, this plan will help pay for Hospice Care Services that help alleviate the physical, emotional, social and spiritual discomforts you may experience due to a terminal illness. These services provide spiritual and psychological support for your primary care giver and your immediate family as well.

Benefits For Services Provided in a Nursing Facility or a Residential Care Facility for the Elderly Include:

 

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Nursing Facility Confinement/Residential Care Facility for the Elderly Benefit 

If you are confined in a Nursing Facility or Residential Care Facility for the Elderly, we will pay you the Daily Benefit amount you have chosen.

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Nursing Facility Bed Reservation

If you are receiving benefits under the policy and you require hospitalization while confined in a Nursing Facility, we will pay a benefit to reserve your bed in a Nursing Facility for up to 21 days per calendar year, when you incur charges for such reservation. The benefit paid will be equal to the Nursing Facility Confinement Daily Benefit.
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Alternative Payment of Benefits

If you are otherwise eligible for benefits and if agreed upon by you, your physician and us, we will consider payment of your claim for services or equipment not specifically shown in the policy, subject to the total maximum amount payable under the policy.

 

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College Funding
They grow up before you know it.. Insure their education with early planning!   

 

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The Florida Solution

We serve all of Florida's insurance needs. We can provide you with the information that can aid you in making informed decisions concerning your insurance needs. Our aim is to provide you with the level of coverage that you need at a price you can afford. 

Security, Protection

 and Peace of Mind

Start getting answers to your questions now.  No matter what insurance you buy or where you buy it, ask yourself:

Why do I need this insurance?     

What should I consider?     

How do I choose the right company?     

What are my coverage options?     

What about discounts and savings?

That’s what insurance is all about. No one likes to think about  “what if,” but you can help prepare for your future by being insured.  Whether you’re looking to insure your home, auto, life or business, insurance can help protect you as well as your property.   Give yourself peace of mind by making sure you’re covered.

Don't Wait Until You Have A Loss!

In today’s market you have a lot of options in choosing an insurance company but remember, not all insurance coverages or companies are created equal.
 
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Contact Information

We welcome your inquiries and comments!

Telephone:         954-749-8045/800-883-9448 

Fax:                   954-747-6188 

Electronic mail:    sficenter@aol.com

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