Common Frequently Asked Questions

A: Final Expense Life Insurance is a small whole life policy (typically $5,000–$25,000) designed to cover funeral costs, medical bills, and other end-of-life expenses without burdening your family. It's ideal for seniors aged 50–80 who want simple, affordable coverage. As a Mutual of Omaha agent, I help clients in this age group get guaranteed issue policies with no medical exam required.

A: Yes, even with chronic conditions, many qualify for guaranteed issue plans from Mutual of Omaha. These don't require a health exam, though premiums may be higher. I'll review your situation to find the best fit.

A: Medicare is a complex program and requires a careful review of your specific life situation. The best time to initially engage a Licensed Agent is 6 months before your 65th Birthday.

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A: MediGap Policies fill in the gaps in Original Medicare for Seniors who do NOT signup for a Medicare Advantage Plan. Again, the best answer is to let us do a complete review to see which path is best for you.

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A: Dual Eligibles have both Medicaid and Medicare. If you are still living outside a nursing home, D-SNPs offer many extra services, including help with groceries, rent and utilities if you qualify. It is always better to be on a D-SNP as opposed to a regular Medicare Advantage Plan if you qualify. Enrollment can occur year-round.

A: We can check your Medicaid status and see what D-SNPs are available in your county.

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A: This is a little known benefit that anyone on a Medicare Supplement Plan can take advantage of. We can review your current Plan and switch to something with the exact same coverage at a lower premium – Any Time of the Year.

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