Secure
Your Future
Protecting Your Loved Ones with Reliable
Life and Heath Insurance Solutions
Our Mission
At Live Well Solutions, we are dedicated to providing peace of mind by offering comprehensive life and health insurance coverage tailored to your unique needs.
Services We Offer
Crafting extraordinary events tailored to your unique vision.
Final Expense Insurance
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Whole Life Insurance
Secure your family's future with our Whole Life Insurance, providing lifelong protection and a cash value component for added financial security.
Term Life Insurance
Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.
Medicare Advantage and Supplemental
To help cover out-of-pocket costs not included in Original Medicare (Parts A and B), individuals can add a Medicare Supplement Plan (Medigap) or Medicare Advantage Plan.
Frequently Asked Questions
Common Questions Answered for your convenience.
Do seniors still need life insurance?
Yes, life insurance can be valuable for seniors, especially for those looking to cover end-of-life expenses, leave a financial legacy for loved ones, pay off remaining debts, or ensure their spouse or dependents are financially secure.
What is final expense insurance, and how is it different from traditional life insurance?
Final expense insurance is a type of whole life insurance designed to cover end-of-life costs, such as funerals and medical bills. It typically has smaller coverage amounts (e.g., $5,000–$50,000) and easier qualification requirements compared to traditional life insurance.
Can seniors get life insurance without a medical exam?
Yes, many insurers offer no-exam policies, such as simplified issue or guaranteed issue life insurance. These policies may have higher premiums and lower coverage amounts but are excellent options for those with pre-existing health conditions.
What is term life insurance?
Term life insurance is a type of life insurance policy that provides coverage for a specific period (term), such as 10, 20, or 30 years. If the policyholder passes away during the term, the beneficiaries receive a death benefit. If the term expires, the policy usually ends without a payout unless renewed or converted.
What is a Medicare Advantage Plan?
Medicare Advantage (Part C) plans are an alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare and provide all Part A (hospital) and Part B (medical) benefits, often with additional coverage like dental, vision, hearing, and prescription drugs.
What is a Medicare Supplement Plan?
A Medicare Supplement Plan is private health insurance designed to cover the "gaps" in Original Medicare. These gaps include out-of-pocket expenses such as deductibles, copayments, and coinsurance. Medicare Supplement plans work alongside Original Medicare, meaning Medicare pays its share first, and then your Medicare Supplement Plan pays its share based on the plan's benefits. This helps reduce or eliminate your out-of-pocket costs.