Services
How can we help you?
Medicare
"Medicare is a federal health insurance program for people aged 65 and older, as well as certain individuals with disabilities. It has different parts: Part A: Covers hospital stays and some home health services. Part B: Covers doctor's visits, outpatient care, and medical supplies. Part C: Known as Medicare Advantage, it combines Part A, Part B, and often includes prescription drug coverage (Part D) as well. It may offer additional benefits. Part D: Covers prescription drugs. Medicare doesn't cover everything, so some people get additional coverage through Medigap plans. As a Medicare insurance broker, I can help you find the right plan and guide you through the enrollment process."
Health Insurance for Under 65 years
"Health insurance in the marketplace, also known as the Health Insurance Marketplace or Exchange, is a platform where individuals and families who are under 65 years old can shop for and enroll in health insurance plans. It was created as part of the Affordable Care Act (ACA) to help people find affordable coverage. Here's how it works: You can explore a range of health insurance plans from different insurance companies in the marketplace. These plans offer various levels of coverage and costs, allowing you to choose the one that best fits your needs and budget. When you enroll in a marketplace plan, you may be eligible for financial assistance to help lower your monthly premiums and out-of-pocket costs. The amount of assistance you receive depends on your income and household size. Marketplace plans are required to cover essential health benefits, including preventive care, doctor's visits, hospital stays, prescription drugs, and more. This ensures that you have access to comprehensive coverage. Open Enrollment is a specific period each year when you can sign up for a marketplace plan. Outside of this period, you may still be able to enroll if you experience a qualifying life event such as getting married, having a baby, or losing other health coverage. As an independent agent, my role is to assist you in understanding your options, comparing different plans, and guiding you through the enrollment process. I can help you assess your needs, explain plan benefits and costs, and ensure you make an informed decision. It's important to have health insurance in the marketplace to protect yourself and your family from unexpected medical costs. By enrolling in a marketplace plan, you gain access to comprehensive coverage and potential financial assistance. Please keep in mind that every individual's situation is unique, so it's important to discuss your specific needs and circumstances with an insurance professional like myself to find the most suitable plan for you."
Life Insurance
"Life insurance is an important financial tool that provides protection and peace of mind for you and your loved ones. Here's why having life insurance is crucial: Financial Security for Loved Ones: Life insurance ensures that your loved ones are financially protected in the event of your passing. It provides a tax-free death benefit that can help cover expenses like outstanding debts, mortgage payments, education costs, and daily living expenses. This financial support can help your family maintain their standard of living and achieve their future goals. Income Replacement: If you are the primary breadwinner in your family, life insurance can help replace your income if you were to pass away. It can provide a steady stream of income to support your dependents, ensuring they can continue to meet their financial needs and maintain their lifestyle. Debt and Estate Planning: Life insurance can be used to pay off debts, such as a mortgage, car loans, or credit card balances, so that your loved ones are not burdened with those financial obligations. Additionally, it can play a crucial role in estate planning, helping to cover estate taxes and ensuring a smooth transfer of assets to your beneficiaries. Funeral and Final Expenses: Life insurance can cover the costs associated with funeral services, burial or cremation, and other final expenses. This relieves your loved ones from the financial burden during an already difficult time. Peace of Mind: Having life insurance brings peace of mind, knowing that your loved ones will be taken care of financially. It provides a sense of security, knowing that you have planned for their future and can help alleviate the financial stress they may face in your absence. As an independent agent, I have access to a wide range of life insurance companies and policies. I can help you assess your needs, understand the different types of life insurance available, and find the right policy that suits your specific circumstances and budget. Remember, life insurance is a long-term investment in protecting your loved ones' financial well-being. It's essential to review your coverage periodically to ensure it aligns with your changing needs and circumstances."
Annuities
"Annuities are a financial tool that can provide you with a steady income during your retirement years. Think of them as a contract between you and an insurance company. Here's how annuities work: You make a lump sum payment or a series of payments into the annuity, which is called the 'premium.' This can be done over time or as a single payment. The insurance company invests and manages your premium, aiming to generate returns and grow your money over time. Once you reach retirement, the annuity starts paying you a regular income. This income can be structured in different ways: Immediate Annuity: With an immediate annuity, you start receiving income payments shortly after making the premium payment. Deferred Annuity: With a deferred annuity, you accumulate money over time, and the income payments begin at a later date, typically in retirement. Annuities can offer different payout options: Fixed Annuities: These provide a guaranteed income stream, with fixed payments that do not change over time. Variable Annuities: These offer the potential for higher returns by investing in a selection of investment options. The income payments can fluctuate based on the performance of the underlying investments. Indexed Annuities: These are linked to a specific index, such as the S&P 500. The income payments may be influenced by the performance of the index. Annuities can provide various benefits: Tax-Deferred Growth: The growth of your annuity is tax-deferred, meaning you won't pay taxes on the earnings until you start receiving income payments. Retirement Income: Annuities are designed to provide a reliable income stream during retirement, helping to ensure you have a regular source of income. Protection and Legacy: Some annuities offer death benefits, allowing you to leave a legacy to your beneficiaries. As an annuity specialist, my role is to help you understand the different types of annuities available, evaluate your retirement income needs, and find an annuity that aligns with your goals and risk tolerance. It's important to carefully review the terms, fees, and features of any annuity before making a decision. Annuities can be a valuable tool for creating income during retirement, but they may not be suitable for everyone. I can guide you through the process, answer your questions, and help you make an informed choice."
Dental, Vision, Indemnity Insurance
Dental Insurance: "Dental insurance is a type of insurance that helps cover the costs of dental care. It typically includes preventive services like routine check-ups, cleanings, and X-rays, as well as restorative treatments such as fillings, extractions, and root canals. Some dental insurance plans may also cover orthodontic services like braces or cosmetic procedures. When you have dental insurance, you pay a monthly premium, and in return, the insurance company helps cover a portion of your dental expenses, reducing your out-of-pocket costs." Vision Insurance: "Vision insurance is insurance that helps cover the costs of eye care and vision-related services. It usually includes annual eye exams, prescription eyeglasses, contact lenses, and sometimes discounts on vision correction procedures like LASIK. Vision insurance plans typically require you to pay a monthly premium, and in return, you receive benefits that help offset the costs of vision care." Indemnity Insurance: "Indemnity insurance, also known as fee-for-service insurance, is a type of insurance that allows you to choose any healthcare provider or specialist without being limited to a network. With indemnity insurance, you have the freedom to visit the doctor or hospital of your choice. After receiving medical services, you pay the bill upfront, and then submit a claim to the insurance company for reimbursement. The insurance company will typically reimburse a portion of the covered expenses based on the policy's terms and limits." It's important to note that these explanations provide a general overview of dental, vision, and indemnity insurance. The specific coverage, benefits, and terms can vary depending on the insurance company and policy. As an insurance broker, I can help you explore different insurance options, compare plans, and find the ones that best meet your specific needs and budget.
Help & Support
Whether you are looking to transition into a new career or expand your Health and Medicare book of business, joining Islas Insurance Team can be an excellent next step in your journey. Why be an Islas Insurance Team Independent Agent? As an independent agent with Islas Insurance Team you are the determinant of your financial success - the harder you work the more success you can see in this commission-only role. We work with you to set your business plan so that you can meet your financial and long-term goals. And you have success to the tools and resources you need to help you be successful. Why Insurance? The opportunity is great. Each day more than 10,000 individuals qualify for Medicare and need health insurance plans. Each day individuals who don't qualify for Medicare need health insurance plans too. At Islas Insurance Team you work with a company with a reputation for integrity, hard work, compassion, innovation and performance.
Contact
- (630) 809-7104
- admin@gmail.com
- 3450 Montgomery Road Unit 7 Aurora, IL 60504 USA
Business Hours
| Mon: | 9:00 AM – 5:00 PM |
|---|---|
| Tue: | 9:00 AM – 5:00 PM |
| Wed: | 9:00 AM – 5:00 PM |
| Thu: | 9:00 AM – 5:00 PM |
| Fri: | 9:00 AM – 5:00 PM |
| Sat: | Closed |
| Sun: | Closed |