Additional Services
In addition to our Medicare expertise, the Next Step Advisors team is committed to help you make wise decisions about insurance coverage whatever your age and stage in life. At Next Step Advisors, our goal is your peace of mind.
Save Time
Save weeks or months of confusing and time-consuming research and worry.
Expert In Your Corner
Have an experienced advocate to turn to for advice and guidance on everything Medicare.
No Cost To You
We charge no fees to our clients and work with all major Medicare insurance companies to find the right plan for you.
Insurance and Investments:
Next Step Advisors is in Your Corner
Together we will take a look at your insurance needs from a number of perspectives to assess risks and ensure the right coverage. We are not tied to any specific insurance policies, but are free to pick the best options for you and we only work with top-rated companies.
Life & Final Expense Coverage
How prepared are you for the unexpected loss of a family member or business partner? Most people find it confusing when trying to determine how to protect their family’s or company’s future after the loss of a loved one or business partner. The more you read, the more complicated it becomes. Wherever you are in your life, we can help you design a life insurance portfolio that will meet your family’s or business needs.
Contact us today and let one of our qualified advisors work with you to help secure your family or business’s future.
Life insurance: Do you need it?
- Single Premium Life
- Term Life
- Guaranteed Universal Life
- Indexed Universal Life
- Whole Life
- First to Die Life/Second to Die Life
- Final Expense Funeral Trust
- Final Expense – Guaranteed Issue
- Final Expense – Simplified
Long-Term Care Insurance
If you have a major illness or injury, such as a stroke, heart attack or broken hip, and need assistance with activities of daily living, such as bathing or dressing, you may need long-term care. If you do need care, you may need nursing home or home care for only a short time – or you may need these services for many months, years or the rest of your life. Long-term care insurance helps you face the often overwhelming costs of this kind of care.
Long-term care insurance: Do you need it?
- Life expectancy after age 65 is about 19.4 years (20.6 years for women and 18 years for men).
The longer people live, the more likely they’ll
need help due to chronic conditions. - About 11 million Americans of all ages require
long-term care, but only 1.4 million live in
nursing homes. - About 70% of people who reach age 65 are
expected to need some form of long-term care
at least once in their lifetime. - About 35% of people who reach age 65 are
expected to enter a nursing home at least once
in their lifetime. Of those who go into a nursing
home, the average stay is a year. - From 2015 to 2055, the number of people age
85 and older will triple, from more that 6 million
to more than 18 million, increasing the number of people in long-term care.
Dental, Vision, and Hearing Insurance
Can healthy teeth help you avoid serious medical conditions? Research shows a link between periodontal disease, including gum infection and inflammation and tooth damage, and heart disease. Wisdom teeth connect to the central nervous system, heart, liver, and intestines. With a good dental insurance plan that allows you to take care of essential dental care and treatment, you help protect your overall health.
At Next Step Advisors, we also help clients add vision insurance and hearing insurance to their medical coverage to help cover costs of glasses and hearing aids, along with medical bills for vision and hearing care, diagnostics, and treatments.
Critical Illness Insurance
Sometimes called catastrophic illness insurance, critical illness insurance is a vital part of your insurance portfolio. In the event of a major health emergency, such as cancer, heart attack or stroke, critical illness insurance could be the only thing protecting you and your family from financial ruin.
Because these emergencies or illnesses often incur greater than average medical costs, these policies pay out cash to help cover those gaps where traditional health insurance may fall short. These policies come at a relatively low cost, but pre-existing conditions may not be covered or could prevent you from qualifying. Don’t procrastinate: you are never younger or healthier than you are today.
Most common and most costly critical illness:
- Cancer, representing 60% of critical
insurance claims - Heart attack/heart disease
- Stroke
- Multiple sclerosis
Investment and Retirement Income
There is a difference between investing FOR retirement than Investing IN retirement. Contact us to learn the difference.
What Makes Next Step Advisors So Different?
- Next Step Advisors provides everything you need to know about Medicare. Sign up to watch the recorded FAQs at your leisure in our education-center section.
- Many Medicare insurance companies promote only their plans; we are independent and not beholden to anyone but our clients and their best interests.
- You are not a one-time customer for Next Step Advisors. Our highly experienced advisors are there for you each year to help you re-evaluate your insurance coverage and adjust your policy to suit any changes in your health or financial situation.