Insurance Services for Individuals & Families
At Wise Dollar Insurance, we help individuals and families find the right coverage. Discover a variety of insurance solutions, from health and life insurance to supplemental and specialty plans.
Choose your coverage
Auto, home & liability
Health Insurance
Medicare
Long Term Care
Life Insurance
Home, Auto, and Liability
Insurance
Health Insurance
Open Enrollment — November 1 – January 15
Medicare
Open Enrollment — October 15 – December 7
65 probably arrived quicker than expected—but the good news is, you’ve likely got decades ahead. Whether you’re in great health or not, advances in medical care mean more years to enjoy. That’s why choosing the right Medicare plan is so important.
You have a seven-month window to enroll—three months before, your birthday month, and three months after. If you’re still working with qualifying coverage, you can delay, but most people need to enroll. Let’s get started!
Long Term Care Insurance
Long-term care isn’t just about you—it’s about those you love.
No one likes to think about the final years of life; the unknown is frightening. The solution is having options. With the right advice, you can put a plan in place to ensure quality of life, no matter what happens. That way, you’re ready to live comfortably and on your terms.
If you’re not sure where to start, check out our 3-step guide to preparing for long-term care.
Life Insurance
Ensure your family is provided for.
Life insurance will replace income, fund retirement and/or college tuition, pay taxes, debts, and final expenses. And for the cost of a tank of gas, you can protect yourself with life insurance. Take 15 minutes and speak with us. You’ll learn how easy it can be to protect your family’s financial health.
Carriers we work with
Increase your coverage
Dental Insurance
Vision Insurance
Disability Insurance
Travel Insurance
insurance FAQ
How does the insurance company determine my premium?
Premiums are usually based on age, gender, height, weight, health status (especially tobacco use), and if you participate in high-risk activities or occupations.
Once I buy an insurance policy, will I ever need to change it?
These circumstances include:
- A recent marriage or divorce
- Adopt a child or become a grandparent
- Children or grandchildren who are about to attend college
- Providing care or financial help to a child or elderly parent
- Receiving an inheritance
- Retirement
- Starting a business
- A change in employment or salary
Is insurance is a waste of money?
Although statistically, people between the ages of 18 to 39 are less likely to die or become critically ill, it will eventually happen. And no one is immune from tragedy. Our philosophy is this:
- Everyone needs health insurance
- Life insurance is necessary for anyone who has people depending on them for support
- Everyone needs long term care insurance if you expect to live a long life
- Everyone turning 65 needs to speak with an expert about their medicare options
Work with us and you will understand why this is the right way to look at insurance.
I get insurance benefits from my employer. Does that mean I have enough coverage?
It depends. We work with employers to assist them with their benefit plans and understand both sides. Your health benefits are likely good enough and also subsidized. Life insurance is a different story.
If you are healthy, your term life insurance is going to be cheaper on your own. This is because the premium must be consistent for each employee (although varies by age) and covers those who work with you and might be uninsurable otherwise. Also, you lose coverage when you change jobs. Replacement insurance costs more as you age. It’s a good idea to have a policy that is not connected to your job especially when you are young and it is cheaper.
Can I buy insurance when I need it?
Unless it is ACA-approved healthcare insurance or original Medicare, you cannot wait to obtain it when you need the benefits. The ACA exchanges have limitations on when you can purchase a policy. And Medicare might require additional premiums and penalties.
Am I too old to buy long term care insurance?
Are you 79 or younger? If so, then you have options. However, those options are broader and cheaper the younger you are.
What happens if I miss a premium payment?
Most policies have a 31-day grace period. And if you pay the premium within that timeframe, there is no penalty or interest. After 31 days, the insurance company will usually terminate the policy.
Am I still eligible for coverage if I have a serious health condition?
It depends on the insurance. Medicare is guaranteed if you sign up for the benefits when required. ACA medical plans are also guaranteed to everyone. Almost all life and long-term care policies require medical evaluation. Premiums are based on the test results and the level of risk perceived.
However, even if you have a serious health condition, there are some options available with guaranteed issue plans. Although this comes with a higher monthly premium and lower benefit.
Start a no-obligation conversation today
You are the most important part of the insurance equation. Start the conversation and leave us a message. Or if you are ready to speak with us, schedule a meeting with us today. The end goal is to provide you with the best options to protect you and your loved ones.