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.
Call us today to learn how to leverage long-term care insurance coverage without paying monthly premiums.

Dental, Vision, and Hearing Insurance

Regular dental care affects not only your smile, but your health. A beautiful smile can make all the difference in your appearance and also in your overall wellness and freedom from tooth pain. At Next Step Advisors, we can help you find a dental insurance plan to let you take care of small dental concerns before they become big problems and make complex dental treatments more affordable.

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.

Many people assume they’re fully protected with a standard health insurance plan, but the exorbitant costs of treating life-threatening illnesses are usually more than any plan will cover. Whether you face overwhelming chemotherapy costs for cancer treatment or require organ transplant, critical illness insurance can help you receive the medical care you need without jeopardizing your family’s financial future.

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.

Greg Geryak Jeff Edwards

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.