June 2020



Cliff Marshall Cliff Marshall "There are Dozens of A rated Annuity Companies, and we represent them all. Feel Free to Contact Us if you would like to explore your options. Our Software Compares all the Carriers to find the Highest Returns & Best Guarantees."- Cliff Fixed Annuities: These are fixed interest investments issued by insurance companies. They pay guaranteed rates of interest, typically higher than bank CDs, and you can defer income or draw income immediately. These are popular among retirees and pre-retirees who want a no-cost, modest and guaranteed fixed investment. Variable Annuities: [...]


February 2020

Securian SecureCare Policy Review


Securian SecureCare Review   Minnosota Life Ratings: Written By: Cliff Marshall A+ (Superior)  A.M Best Aa3 (Excellent) Moody’s AA (Very Strong) Fitch Minnesota Life, a subsidiary of Securian Financial, is offering one of the most competitive Hybrid Long Term Care policies on the market. Securian SecureCare is a Hybrid Long Term Care Policy, which consists of a few important parts: Below we will give a quick example, followed by further in depth analysis of 1-5 listed here. After that we will go into the technicals, further examples, and finally a Hybrid long term care comparison. [...]

Securian SecureCare Policy Review2020-02-29T22:38:37+00:00

December 2019

What is Medicare?


What is Medicare? Medicare is a United States Government Health Insurance program for people over the age of 65. It also provides coverage for certain people with disabilities or end-stage renal disease. Medicare is categorized into 4 parts, below we will go over those parts together. Medicare Part A What is Medicare Part A? It’s simplest definition is Hospital Insurance. It assists in the cost of room and board in a hospital, skilled nursing facilities, hospice, and home health care. Not to be confused with a long term care policy. It does not cover things such as [...]

What is Medicare?2019-12-08T18:46:43+00:00

January 2019

One America Asset Care Review


One America Asset Care Review A.M. Best OneAmerica A+ (2nd out of 16) Standard & Poors rates  AA- (4th out of 21) Cliff Marshall One America Asset Care offers a unique product with several key advantages over conventional long term care policies. It's Biggest strength is as a Joint Policy, so if you plan to combine you and your spouse policy into one, continue on reading. If your Interested in a single policy, Securian SecureCare and NationWide CareMatters II are currently the most competitive Asset based plans as of Summer 2020. If you have any [...]

One America Asset Care Review2020-06-19T18:07:19+00:00