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Health and Wealth Management

Individual Services

Are you taking advantage of all of the benefits that you are entitled to?

Listed below are some of the services offered in our quest to make sure you are living your best life possible and prepared for the future! Reach out today to see how we can help you!

Strategizing

We'll set your goals and decide how best to achieve them

We'll go through your current healthcare coverage and/or life insurance coverage thoroughly and make sure that you are adequately covered for whatever life throws at you!  Once we have identified what you should have to be adequately protected, we will explore all available options and find the plans that work best for you!

Medicare Review and/or Enrollment

We'll make sure you're enrolled in the best Medicare policy for you

If you are new to Medicare, we'll determine your specific needs and give you all the information necessary to decide whether you need Original Medicare, Original Medicare with a supplement plan, a stand-alone prescription drug plan, or a Medicare Advantage plan.  We will spend as much time as necessary so that you understand the differences and what your options are.

Individual Health Insurance

Review healthcare needs and enrollment options

We'll review your current healthcare policy and make sure you have the coverage that you need.  Outside of open enrollment in the Federal Marketplace, there are special enrollment periods for certain circumstances.  If none of those are applicable, short-term health care plans are available outside of open enrollment.

Life Insurance Needs Review

Review current policies if applicable and make sure you're adequately covered

We will do a thorough policy review of any insurance policies that you currently own and will make sure that you are not only educated on the different types of policies, but are getting all of the riders that you are entitled to.  Once we have determined what your needs are, we will work together to find the right plan for you!

Dental, Vision, and Hearing

We offer many coverage options for dental, vision, and hearing

We offer individual plans for dental, vision, and hearing, as well as comprehensive plans that can be bundled.  Whatever your needs are, we're here to help find the right plan for you!

Indemnity Plans for Covered Services

Money paid directly to you for a variety of scenarios

We offer indemnity plans that reimburse you directly for the cost of certain medical-related circumstances, including deductibles for hospital stays, home health care services, prescription drug costs, dental and vision expenses, and a multitude of other options.  We will tailor the policy directly to your needs so you are only paying for what's important to you.

Flat-fee monthly Rx

Affordable prescription drug coverage 

Prescription drug coverage is often so expensive that people have to choose between medications and other monthly expenses. Some medical plans offer comprehensive drug coverage, but all too often, even with insurance, the drug costs are prohibitive. 

We offer a prescription drug service for a flat monthly fee of $19.95 per month for an individual or $29.95 per month for a family membership. There are over eight hundred of the most common generic medications available on the formulary at no cost to the members,

You can use the link below to view the complete list of available drugs. Tab over to the Healthcare Division section, and then click on Flat Fee Rx.

https://www.davidallencapital.com/hwm

Annuities

Is an annuity right for you?

A fixed annuity stands as a reliable cornerstone in the foundation of a secure retirement plan. It offers the dual benefits of predictable income and principal protection, ensuring that investors receive a guaranteed rate of return and a steady stream of payments for the duration of the contract. This financial vehicle is particularly advantageous for those seeking to avoid the volatility of the stock market, as it provides a stable and consistent income regardless of market fluctuations. Additionally, fixed annuities can offer tax-deferred growth, allowing earnings to compound over time without immediate tax implications. This makes them an attractive option for individuals looking to maximize their retirement savings and ensure a stable financial future.  Let's talk today to explore the benefits and see if this is right for you!

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