Why should you choose an Independent Insurance Agent in Prescott

Finding the right insurance can be very complicated and time consuming. You are striving to protect your hard earned assets and need to make sure you are covered correctly. Adler Insurance answers why you should choose an independent insurance agent in Prescott to help you with this difficult task.

They give you a choice – Independent agents typically represent a multitude of insurance companies.  By doing so, they can find you the best value by shopping those companies for you. They find you the right blend of price, coverage, and service.

They are licensed experts – Independent insurance agents can explain the complexities of insurance in simple terms, helping you make smart decisions. Their career is assisting clients in making good decisions when it comes to their coverage.  It is their responsibility to you, their client, to make sure you have the right coverage you need.

They are personal advisers – Independent insurance agents not only find you competitive pricing, they make sure you are adequately covered. They will sit with you and go over all of your needs to ensure you don't have any gaps in your coverage.

They are your advocate – If you have a claim or billing concern, or need to change your coverage, your agent can be your advocate, working with the insurance companies on your behalf.

They are right around the corner – A local agent is your neighbor.  Loving the same community and citizens as you.  They support your town and are there to help.

They offer one-stop shopping – Independent insurance agents can usually meet all of your insurance needs with the companies they represent.  Making your life so much easier only having to deal with one agent for all of your insurance needs.

Adler Insurance would love to be your independent insurance agency.  We offer health, life and medicare solutions. Please call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com.

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Why do you need life insurance? Adler Insurance in Prescott reminds you of its importance!

Life insurance is never a “fun” conversation, but to protect your family, dependents, business, or legacy, you must eventually sit down and have a conversation with a life insurance expert.

Insurance can be confusing and it’s hard to know what you really need or want. Adler Insurance in Prescott brings you these reasons why life insurance is needed.

You never know what can happen: Dying suddenly in an accident, unexpected illness, or natural causes can happen at any time. Life insurance helps your loved ones pay the mortgage, bills, even college costs, after you’re gone.

Funerals are expensive: In some cases $7,000 to $10,000 for funeral services. This is the average cost of a burial ceremony that will be faced by your loved ones.

Protect those you love: You work hard to make sure those you love are taken care of. It’s just as important to consider providing financial support for the future living costs of surviving dependents.
Death shouldn’t mean debt: Life Insurance can help your dependents cover any financial responsibilities that are left after your death.

Anything can happen: If you develop a serious illness, you may not be able to get life insurance to the extent you need it. If you have a terminal illness, life insurance can provide you with financial support.

Take care of business: Life Insurance isn’t just for individuals. It can protect a business from financial loss, liabilities or instability in the case of the death of a business owner/partner.

Supplement your retirement: You can use life insurance to make sure your retirement savings lasts as long as you do. You put an amount of money into a life insurance product and in return you get a guaranteed stream of income month after month, for as long as you live.

It makes financial sense: Life insurance is considered a financial asset, which can help increase your credit and help you to get a loan or health insurance.

Give to charity: Life Insurance can enable you to leaving a lasting gift to a favorite cause or charity that is much larger than you would otherwise set aside for donation.

Peace of mind, plain and simple: No amount of money can ever replace a person. But more than anything, life insurance can help provide protection for the uncertainties in life.

With so many options and outcomes for a life insurance plan you should talk to a life insurance advisor about your options. Adler Insurance in Prescott is here to help. We care about you! Give us a call at 928-710-1455 or visit or website at http://www.adlerlifehealth.com.

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Adler Insurance answers the question of what is Medicare and why is it so important?

When retiring you need your health care expenses to be predictable. Medicare plays a crucial role in providing some of that security. Unfortunately, Medicare is complicated, there are many parts that need to be looked at. Adler Insurance provides advice and help cutting through your choices for Medicare in Prescott.

The quick points to know about Medicare:

• You have two basic choices. Medicare Advantage Plan or a fee-for-service plan.
• There are 4 different parts. Parts are listed as A, B, C, D. These cover hospitalization, outpatient service, and prescription drugs.
• Additional policies can be added such as Medigap. This type of policy limits the amount of out of pocket costs with your plan.
• If you are retiring rich or well off, you may pay more for coverage. Be sure to discuss this with your retirement planner.
• You have a limited time to sign up. If you are turning 65 now is the time to select a plan.
• There is an annual enrollment. Take the time each year to review your coverage to get the best rates.
• Don’t confuse Medicare with the Affordable Care Act (ACA). The ACA has helped many seniors get healthcare that couldn’t otherwise, however if you are nearing the age of 65 it is time to address your Medicare benefits.
• Long term care is not covered completely. There is a short amount of time that Medicare will cover care in a skilled nursing facility, however there are stipulations on this.

Why is Medicare so important?

Because medical expenses have become very expensive, especially for those who are over the age of 65, some people wonder why to even have it at all. Medicare is important because the older population would find it too difficult to take care of their medical expenses without it. We all pay into different programs with taxes while we are young and working, to take advantage of these programs when the time comes to retire.

For more information on Medicare, its different Parts, and Medigap policies, contact Adler Insurance. We will help you with all your Prescott Medicare needs. Call us today at 928-710-1455 or visit us at http://www.adlerlifehealth.com.

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Adler Insurance covers Life, Health and Medicare Insurance in Prescott

At Adler Insurance we go far beyond being just another Arizona Health Insurance Provider. We strive to be the insurance leaders you trust to protect your family and your health. From providing you with reliable Arizona Medicare Insurance, Life and Health Insurance, we want to take it to the next step and insure your future and your family's.

Regardless of the type of insurance coverage you need, you can rely on Adler Insurance for a comprehensive and professional review of your situation. Our goal is to make you feel comfortable and confident in our ability to serve you.

At Adler Insurance, we specialize in the following types of insurance coverage:

• Medicare Advantage Insurance
• Life Insurance
• Medicare Supplement Insurance
• Medicare Part D Prescription Drugs
• Long-Term Care Insurance

Learn what your options are - they can be complicated, let us help you
We know that finding the right insurance program can get confusing. From having to weigh the pros and cons, it's easy to get overwhelmed. We guarantee that the health, life, dental, long-term care, Medicare Advantage or Medicare supplement insurance that you buy with our assistance will fulfill your needs.

You can get additional benefits at low or no cost
At Adler Insurance we want to be more than just your insurance provider, we want to be your friend. By helping you navigate your way through one of the most critical life decisions you will have to make; we promise to provide you with a custom Arizona insurance plan you and your family can rely on.

Serving the insurance needs of Yavapai County
Adler Insurance is your local insurance provider of choice for Medicare Insurance, Health Insurance, Life Insurance, and Long-Term Care Insurance in Prescott, Prescott Valley, Chino Valley, Flagstaff, Phoenix, or anywhere in the State of Arizona.


We're experts when it comes to evaluating your insurance needs, and are here to help you. Contact us at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com.

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Adler Insurance provides tips on what to do after getting denied life insurance in Prescott

It’s tough to learn that the life insurance company you applied to will not be offering you coverage, especially if you were fully expecting a yes!  Adler Insurance in Prescott helps consumers figure out the next steps on signing up for life insurance in Prescott.

You may fall into the “impaired risk market,” which means you have something in your background that makes you a higher risk for dying prematurely.  While many applicants with this type of history understand they’re up against a hurdle or two, it’s not any easier to be denied life insurance coverage. But, often times, it doesn’t mean the hunt for an approval is over.  Adler Insurance seeks to help provide clarity on the steps to take after getting denied life insurance in Prescott.

Here are three actionable steps you should take if you’ve been denied life insurance:

Collect information. Before an insurer denies an application, they collect lots of data from several sources to evaluate your risk. If the risk is high enough, you are either rated, postponed or denied. In any of these circumstances, requesting more information on the reason for denial is your right.


Confirm the results. Errors can happen. Wires can be crossed. Double check the data that was provided to the underwriter. If poor exam results were cited as the cause, confirm it with your primary care physician. In some cases, a company may simply deny coverage because of new, undiagnosed lab results, even if there is little cause for concern.

Work with an agent. Even with proper research, the first company you apply to isn’t always necessarily the best. Passing along detailed information to an agent can allow them to search into better options. A well-trained high-risk life insurance agent can assess information thoroughly and find a better fit for you.

If the root cause for denial is too great, a different type of life insurance policy altogether may be the last resort.  Give us a call at  928-710-1455 or visit us on online at http://www.adlerlifehealth.com.

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Adler Insurance provides the necessary information for consumers on qualifying for Medicare in Prescott

You must meet certain requirements for Medicare eligibility.  Adler Insurance in Prescott provides the necessary information to see what qualifications you meet for Medicare.

Generally, Medicare is available for people age 65 or older, younger people with disabilities.  You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. You can get Part A at age 65 without having to pay premiums if:

• You are receiving retirement benefits from Social Security or the Railroad Retirement Board.
• You are eligible to receive Social Security or Railroad benefits but you have not yet filed for them.
• You or your spouse had Medicare-covered government employment.
• If you (or your spouse) did not pay Medicare taxes while you worked, and you are age 65 or older and a citizen or permanent resident of the United States, you may be able to buy Part A. If you are under age 65, you can get Part A without having to pay premiums if:
• You have been entitled to Social Security or Railroad Retirement Board disability benefits for 24 months. (Note: If you have Lou Gehrig's disease, your Medicare benefits begin the first month you get disability benefits.) You are a kidney dialysis or kidney transplant patient.

While most people do not have to pay a premium for Part A, everyone must pay for Part B if they want it. This monthly premium is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you do not get any of these payments, Medicare sends you a bill for your Part B premium every 3 months.


For more information about open enrollment contact us at 928-710-1455 or by visiting us at http://www.adlerlifehealth.com. 

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Adler Insurance in Prescott discusses the importance of life insurance

Insurance can be confusing and it’s hard to know what you really need or want.  Adler Insurance discusses the importance of life insurance in Prescott.  As we grow older, get married, build families we realize that life insurance is a part of a sound financial plan.  Life insurance provides comfort in knowing money is available to protect your loved ones in the event of your death.

Here are four reasons to have life insurance:

Protect Your Family and Loved Ones
If your loved ones depend on your financial support for their livelihood, then life insurance is a must

Leave an Inheritance
This is a great way to set your kids up for a solid financial future and provide for any monetary needs that will arise.

Pay Off Debts and Other Expenses
In addition to providing income to cover everyday living expenses ike the mortgage, credit cards and car loans.

Peace of Mind, Plain and Simple
No amount of money can ever replace a person. But more than anything, life insurance can help provide protection for the uncertainties in life.

To help determine your life insurance needs you can reach Adler Insurance at (928)710-1455 or by visiting http://www.AdlerLifeHealth.com/.

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Prescott Medicare Supplements explained by Adler Insurance

Medicare Supplements, often call Medigap, are health insurance plans designed to supplement the original Medicare program. Medicare supplements provide coverage for the gap between what you are charged for healthcare services and what Medicare pays for. Medigap Plans are government-approved plans that are provided by private health insurance providers. At Adler Insurance Inc., we are here to answer all your questions about Medicare Supplements.

Most of our clients are confused about Medicare parts and plans. Which plans provide the most coverage, and which plans are the most cost effective? Medicare Part A covers the cost of being in the hospital after you pay the $1,260 deductible. Medicare Part B covers about 70% of your out-patient medical expenses. The Medicare Supplements (Medigaps) are designed to fill in the gaps by paying the $1,260 deductible and the other 30% of outpatient medical expenses Parts A and B do not cover.

There are many types of Medicare Supplemental coverage's available called Plans F, G, K, L, M, and N. Plans F and G provide the most expensive Medigap coverage, while Plans K, L, M, and N have progressively more out-of-pocket expenses with lower monthly premiums. For most of us, it is easier to pay the monthly premium for supplemental coverage than it is to pay large medical bills while we are sick.

Eligibility for Medicare Supplemental coverage usually is not a problem. When you reach age 64 ½, you can apply for Medicare Supplemental Insurance without answering any medical questions. After you reach age 65 ½, you will need to answer a short list of medical questions.

At Adler Insurance Inc., our goal is to provide each of our clients with the assistance needed to choose the best insurance coverage possible.We can help you choose the best health insurance, life insurance, or long-term care insurance. Give us a call at 928-710-1455 or visit us online at http://www.adlerlifehealth.com.

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Why hire an independent insurance agent?

Consumers generally think they benefit when they buy insurance directly. Adler Insurance explains why this is not true. Many customers think a middle man is an unnecessary third party and they will pay more. So why should you hire an independent insurance broker agent. So what is really important to consumers when researching insurance? These are the 5 things that consumers are concerned with when purchasing insurance.

1. Cost- contrary to belief broker pricing is actually better than direct insurance pricing. The reason for this seems is due to insurers providing different rates to brokers so the premiums are lower.

2. Ease - most thought that buying directly would be easier, but many online queries fell through the cracks. Most brokers are more pro-active in answering phone calls and emails.

3. Speed - Many direct services are routed to call centers with staff not really having insurance knowledge. Brokers were more efficient and saved customers lots of time by answering their questions at the time of inquiry and having the information.

4. Peace of mind that everything is covered - Brokers are more efficient at cross-checking policies and educating their customers with detailed explanations of coverage. Many times the really good direct services focused only covering the low risk policies, and leaving any consumer with non-standard requirements high and dry.

5. Security of personal data - Brokers were better at giving people a stronger feeling that they were in safe hands because they were dealing directly over the phone and not just inputting their data into a website.

Let Adler Insurance help you with all your insurance needs. Trust us to shop around and the policy that best suits your needs. For more information call us at 928-710-1455 or check out our website at http://www.adlerlifehealth.com.

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Who is eligible for Medicare?

Adler Insurance in Prescott brings you these helpful tips about Medicare eligibility. Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease. Medicare has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance).

To find out if you are eligible and your expected premium, go the Medicare.gov eligibility tool.

If you (or your spouse) did not pay Medicare taxes while you worked, and you are age 65 or older and a citizen or permanent resident of the United States, you may be able to buy Part A.

If you are under age 65, you can get Part A without having to pay premiums if:

•You have been entitled to Social Security or Railroad Retirement Board disability benefits for 24 months.

•You are a kidney dialysis or kidney transplant patient.

While most people do not have to pay a premium for Part A, everyone must pay for Part B if they want it. This monthly premium is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you do not get any of these payments, Medicare sends you a bill for your Part B premium every 3 months.

Since January 1, 2006, anyone with Medicare, regardless of income, health status has had access to prescription drug coverage.

Medicare eligibility can be confusing, so contact Adler insurance today for more information and clarification for what is right for you. Call 928-710-1455 or visit our website http://www.AdlerLifeHealth.com.

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How a Marketplace healthcare insurance plan protects you - Adler Health Insurance in Prescott

 Healthcare insurance covers essential health benefits critical to maintaining your health and treating illness and accidents. Healthcare insurance protects you from unexpected, high medical costs. You pay less for covered in-network health care, even before you meet your deductible.Adler insurance in Prescott brings you these helpful tips.

When you have coverage, your plan protects you from high medical expenses 3 ways:

• Reduced costs after you meet your deductible.
• Out-of-pocket maximum
• No yearly or lifetime limits

You get free preventive care, like vaccines, screenings, and some check-ups, even before you meet your deductible.If you have a Marketplace plan or other qualifying coverage, you don’t have to pay the penalty that people without coverage must pay.

In conclusion, Healthcare insurance is crucial to your day to day life as accidents can happen at anytime! Contact Adler insurance today for more healthcare insurance information. Call 928-710-1455 or visit our website http://www.AdlerLifeHealth.com

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Why Healthcare Insurance Coverage Is Important - Adler Insurance in Prescott

No one plans to get sick or hurt, but most people need medical care at some point. Healthcare insurance covers these costs and offers many other important benefits. Healthcare insurance provides important financial protection in case you have a serious accident or sickness.

People without healthcare coverage are exposed to these costs. This can sometimes lead people without coverage into major debt or even into bankruptcy. Adler insurance brings your this helpful healthcare information.

It’s easy to underestimate how much medical care can cost:

• Fixing a broken leg can cost up to $10,000.
• The average cost of a 3-day hospital stay is around $30,000.
• Comprehensive cancer care can cost hundreds of thousands of dollars. Having healthcare insurance can help protect you from high, unexpected costs.

In conclusion, Healthcare insurance is crucial to your day to day life as accidents can happen at anytime! Contact Adler insurance today for more healthcare insurance information. Call 928-710-1455 or visit our website http://www.AdlerLifeHealth.com

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