Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection.

While purchasing a home insurance policy may not be mandated by the federal, state or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate homeowners insurance is always a good idea as the policy can help financially protect you if you experience a covered accident or other loss. Without home insurance, you may be left to cover the replacement or repair costs on your own following an incident.

If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give Coastal Retirement Group, LLC a call today to get started or request your free quote now.

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Call Coastal Retirement Group, LLC today to learn more about how group health insurance may benefit your organization and to get a quote.

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MPI is an insurance policy that can help you make monthly mortgage payments if you die before your mortgage is fully paid off. Some policies also offer coverage for a limited time if you lose your job or become disabled in an accident. Many policies will cover the remainder of the mortgage term, but this varies from policy to policy. MPI is not required but is often recommended.

You can receive MPI through your mortgage lender, private insurance company or life insurance provider. What’s best for an agent can determine you, be sure to reach out today.

The cost of MPI will vary depending on a few factors. Factors include the remaining balance of your mortgage loan and the time left on your loan term. Other factors considered may consist of your age, job and overall risk. To learn more about your premium rate, contact an agent.

Our agents are ready to help you with mortgage protection insurance. Contact Coastal Retirement Group, LLC today if you have further questions or are looking to get started.

Life insurance is a contractual agreement between you (the policyholder) and the insurance company. In exchange for paying the insurer a regular premium, your beneficiaries will receive a lump-sum death benefit when you pass away or after a specific amount of time has passed.

There are two primary types of life insurance, including:

• Term life insurance—A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, the policy does not pay and will expire when the term ends. You will also have to reapply for a new policy if you want to continue to have coverage.
• Whole life insurance—A whole life policy will last for the remainder of your life once you enroll. It will not expire unless you stop paying for it. Additionally, such a policy offers cash value investment opportunities. This cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).

Several other types of life insurance also exist. Speak to one of our agents to determine which type of coverage suits your particular needs.

If you’re in need of a life insurance policy, we’re here to help. Give Coastal Retirement Group, LLC a call or request a quote online to get started.

Medicare is multi-part healthcare coverage for qualified individuals. Once you determine whether or not you want to enroll, you will have to decide which parts you will enroll in. 

The parts of Medicare include the following:

• Part A, also known as hospital insurance, includes health care costs associated with hospital stays and limited stays at a nursing home, hospice care and some costs for home health care. Part of Original Medicare.
• Part B, also known as medical insurance, is for everyday health care expenses, any outpatient care you might receive, specific medical supplies and preventive care. Part of Original Medicare.
• Part C, also known as Medicare Advantage, is an alternative to Original Medicare. It becomes your primary coverage; most Medicare Advantage Plans include Part D Medicare prescription drug coverage. Some Medicare Advantage Plans offer additional dental and vision coverage and fitness memberships.
• Part D, also known as prescription drug coverage, will help cover the costs of medications prescribed for your health condition. Individual Medicare drug coverage plans use a formulary developed by a pharmacy and therapeutics committee composed of pharmacists and physicians to regulate which medications they’ll cover.
• Medigap, also known as Medicare Supplemental Insurance, is a supplemental health insurance program to cover health care costs that Original Medicare does not. You can only purchase Medigap insurance if you’re enrolled in Original Medicare. It cannot be used with a Medicare Advantage Plan.

Describe the item or answer the question so that sitThe enrollment process for Medicare can be a little different for everyone. Be sure to check with your Social Security Administration three months before your expected start date of Medicare to be sure everything is in order if you are eligible for automatic enrollment. Automatic enrollment is available for you if you:

• Are you already receiving Social Security benefits (at least four months before start)
• Receive U.S. Railroad Retirement Board (RRB) benefits (at least four months before start)
• Are under age 65 but have a Social Security disability for 24 months
• Have amyotrophic lateral sclerosis (ALS or Lou Gehrig’s disease or ESRD)

If you are about to turn 65 or are not receiving Social Security benefits, you will have to enroll on your own. Enrollment can vary based on individual circumstances, so be sure to contact an agent if you have questions about your enrollment process.e visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.

Medicare is a complex coverage that you shouldn’t have to navigate alone. Reach out to an agent to learn more about your enrollment process today.

An employer or organization purchases health insurance, and group members or employees can opt in to receive coverage. They may pay a portion of the employer or organization’s premiums.

Accepting group health insurance is not mandatory. Each health plan is different, and you may have several plans from which to choose. Your agent can help you decide whether enrolling in group health insurance may provide your needed coverage.

Group health insurance premiums may be less expensive than purchasing an individual policy. Organizations that provide access to group health insurance for their members or employees may receive tax benefits.

Many job seekers consider access to group health insurance standard among benefits. Providing access to high-quality health care at a reduced cost could help an employer attract and retain top talent.

Call Coastal Retirement Group, LLC today to learn more about how group health insurance may benefit your organization and to get a quote.

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There are three main types of annuities:

• Fixed annuities pay a guaranteed amount during each payment period. Fixed immediate annuities start paying right away, while fixed deferred annuities start paying at some pre-determined point in the future. In general, fixed annuities have a moderate rate of return.
• Variable annuities allow the account owner to choose from a menu of mutual funds and can produce a higher return. Payments are based on the performance of the mutual funds. There is some risk associated with variable annuities.
• Indexed annuities generally provide a higher return than fixed annuities but are less risky than variable annuities. There’s a guaranteed minimum payout, and a portion of the interest earned is tied to a market index, such as the S&P 500.

The amount of money you receive from an annuity is based on the type of account you choose, the insurer’s terms and the amount of money you invest.

The best way to determine how much income your annuity investment may generate is to get an individualized quote from your insurance agent.

An annuity may help you reach your income goals in retirement by creating income that you can’t outlive. Coastal Retirement Group, LLC can help you understand your options so you can start investing right away.

A long-term care policy can help cover care costs when you have medical conditions, disabilities or disorders that prevent you from routine activities such as bathing, dressing or getting in and out of bed. Every policy is different, but, generally, when you can no longer do two of the six daily living activities, you qualify for benefits. Daily living activities include:

• Bathing
• Dressing
• Caring for incontinence
• Eating
• Toileting
• Transferring
• You can also receive care in a variety of places, including:
• Your home
• A nursing home
• An assisted living facility
• An adult day care center

It’s important to get long-term care insurance before you need it, or else you won’t be able to reap its benefits. Be proactive and contact an agent today.

You can get long-term care insurance by reaching out to one of our agents for further discussion about your needs. Contact us today to get started.

There are seven main options among retirement plans in the United States:

• Individual retirement accounts (IRAs) allow tax-deferred contributions capped by IRS regulations. Funds withdrawn at retirement are taxable as regular income.
• Roth IRAs allow after-tax contributions capped by IRS regulations. Qualified withdrawals are not penalized, and earnings grow tax-free.
• 401(k) accounts are employer-sponsored retirement plans that allow participants to contribute to pre-tax. Many employers offer to match a portion of employee contributions.
• Roth 401(k) plan contributions are made with after-tax dollars, but qualified withdrawals are not taxed or penalized like Roth IRAs.
• Simple IRAs are designed for self-employed people who want to contribute part of their pay. These plans reduce income taxes in proportion to the contribution up to the limits.
• SEP IRAs also tend to work well for self-employed people. Contributions are tax-deductible, and contribution limits are higher than with other retirement plans.
• Employee stock ownership plans (ESOPs) are designed to invest in company stock. An employer may choose to contribute to employee retirement plans with company stock.

Work with a financial advisor to better understand each of these retirement options. The information on this page is intended for educational purposes only and should not be construed as legal or financial advice.

Contact Coastal Retirement Group, LLC today to learn more about your retirement plan options and start saving for your future.