Insurance

Life is unpredictable, and we believe a sound financial plan begins with protection against unexpected and catastrophic loss. The loss of a family member or decline in health can have devastating impacts on a household; insurance provides a safety net that ensures surviving, dependent family members are in good stead. We are fully licensed to offer life, health, disability, and long-term care insurance from all major carriers. We draw on over 35 years of experience to help our clients choose the most suitable coverage to protect themselves and their loved ones.

1) Life Insurance

We begin with a consultation to identify our client’s insurance needs, what amount of coverage is required, and what type of life insurance would be most suitable (whole, universal, variable, term etc.). We then select the most competitive rates from top carriers and walk our clients through the process from initial application, paramedical exam, underwriting, and policy delivery and acceptance.

Fee: None, JSO Partners is compensated by the insurance carrier.

2) Health Insurance

We are a licensed health insurance broker and assist clients seeking individual/family health insurance (medical, vision, dental) on- or off-exchange. We also offer Medicare Supplement or Advantage plans for clients over 65.

Fee: None, JSO Partners is compensated by the insurance carrier.

3) Long-Term Care

According to the Administration for Community Living under the U.S. Department of Health and Human Services, there is a 70% chance that a person aged 65 will require long-term care services in their remaining years. We advise our clients on how best to prepare for the possibility of long-term care expenses based on their unique situation.

Fee: None, JSO Partners is compensated by the insurance carrier.