IIC Brochure_Bryan.pdf
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Free Education Sessions Tuesdays from 11am-Noon
Our goal is to help you make informed decisions. Please be sure to check out our calendar online at www. iictn.com for a complete list of Education Sessions on Health, Medicare, Life and Retirement.
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who we are Independent Insurance Consultants was established in 2002 by Blake W. McCoy, with a primary focus on caring for the insurance needs of senior citizens. As our client base has grown, our knowledgeable team of advisors has also expanded to provide insurance products for all ages. Our services now include major medical, health plan alternatives, life insurance, retirement solutions, and college savings plans. Our goal is to provide affordable insurance options that ďŹ t the speciďŹ c needs of our individual clients.
866-691-5571 www.iictn.com Monday - Friday 9:00am - 5:00pm Saturdays by appointment 10407 Lovell Center Drive Knoxville, TN 37922
Blake W. McCoy
Determined to provide responsible, understandable, and affordable healthcare, Medicare and financial planning strategies.
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Be sure to check out patsummitt.org
IIC Brochure_Bryan.pdf
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RETIREMENT CHECKLIST
Medicare Plans
Medicare plans and coverage can change annually and I am familiar with my options. • Medicare Part A and Part B: You must have both
to take advantage of either a Medicare Advantage Plan or Medicare Supplement.
• Medicare Advantage Plans: These plans are also
known as Part C. MA plans may offer extra coverage such as vision, hearing, dental and prescription drug coverage. Some plans even offer a $0 monthly plan premium in addition to your Part B premium.
• Medicare Supplement: To fill in the gaps in C
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Medicare payments, many people buy a private Medigap supplemental insurance policy. Medicare only pays 80% of medical costs; YOU ARE RESPONSIBLE for 20%. There are plans available that cover the other 20% that that Medicare doesn’t.
Guaranteed Fixed Annuities
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An Annuity will provide safety for your principal, but also steady returns. These products give you the peace of mind that your money is safe and also allow you to have access and provide income to you that you cannot outlive.
Life Insurance
Most retirees purchase a life insurance policy to prevent themselves from being a financial burden. Make sure it does not expire at a certain age or increase in cost as you get older.
Long Term Care
Consider the benefits of a Long Term Care Insurance. Don’t let long-term care expenses deplete your family’s savings. Over 70% of all retiree over the age of 65 will need some type of assistance whether permanent or temporary.
Call for a free consultation 1-866-691-5571
Medicare Options
By representing multiple companies, we are able to provide the best coverage for the most reasonable premium.
Annuities
Are you looking for safety while still earning good interest? Ask us about bonuses of up to 10%!
Life Insurance When was the last time you reviewed your current coverage?
premiums, hly nt mo $0 th wi ns pla ge ta an dv A re ica ed M er We off at $6 2 ! and M edicare Supplement coverage starting
Health Plans
We offer major medical for individuals and groups, with less expensive alternative health plans.
Medicare Solutions
Original Medicare pays for only 80% of hospital and medical costs, leaving you responsible for the other 20% plus part A and B deductibles. Our objective is to make sure you are informed about Medicare and your available options to cover what Medicare does not. IIC represents many companies which provide Medicare and prescription drug coverage. We also provide a free yearly review of your current benefits to make certain that you continue to have the best coverage to fit your individual wants and needs.
Annuities
Businesses and individuals alike do not want to see their retirement value decrease. One of the biggest fears expressed by retiree’s is that they might outlive their financial resources. With growing uncertainty about the continuation of Social Security benefits, the potential for increases in taxes, the rising cost of medical and prescription expenses, and the looming threat of long term care expenses, seniors have a lot of areas that directly affect the quality of their retirement over which they have no control. Of all the financial avenues available for a senior adult to store their nest egg, there is only one place where their principal is 100% guaranteed, they receive a guaranteed interest return plus a chance to get a higher return, they have good liquidity and access to their money at all times, and they have the ability at any time to create a guaranteed stream of income they can never outlive. The solution to these concerns is a fixed or fixed indexed Annuity.
Life Insurance
We understand that many people find this to be a delicate matter to discuss. Although, whether you are a new parent, recently purchased a home, starting a business, or just don’t want to leave a loved one with a financial burden, this subject is important to address. IIC is able to research your life insurance needs and find the best coverage at a great price from a selection of many reputable companies
Health Plans (Ages 0-64)
Many people are either paying too much for their healthcare or have more out-of-pocket costs than they should, giving support to the Harvard study which pinpoints medical expenses as the number one reason for bankruptcy. Here at IIC, our advisors are always ready to answer your questions and help with any concerns you may have. There are many different types of health plans available, and we are able to provide several major medical and alternative health plan options with reasonable premiums.