James McDougall - Medicare and Life Insurance

I LOVE WHAT I DO! --> as an advocate for my Retiree clients, my expert help saves them $$$ with MEDICARE, Long-Term Care, Life Insurance & Annuities
I LOVE WHAT I DO!
connect with me directly by calling --->>> (425)445-2323

I serve as an advocate primarily for Retirees - with MEDICARE, Long-Term Care, and Life Insurance advocacy, resources, and planning expertise aimed at helping my them have a long, successful and happy retirement. My service, guidance, and expertise is always complimentary, and like the old country Doctor - I make house calls!

There are two groups of Medicare Beneficiaries I help:

The 1st group are those who are new to Medicare.
I meet with these clients to help them navigate the confusing and draconian Medicare landscape - while also thoroughly educating them about Medicare so they:
. . . understand how the moving parts in Medicare work
. . . learn where Medicare's costly coverage gaps are
. . . plan appropriately for Long-Term Care eventualities
. . . get the best Medicare coverage possible, that fits within their budgetary constraints.

The 2nd group are my existing Retiree Medicare clients - whom I meet with every year or as they need, to conduct a brief & comprehensive personalized Medicare Options review. The most common Medicare issues I see, and thus help my Retiree clients prevent are:
1) missing Benefits they're entitled to and eligible for
2) $10,000's of avoidable out-of-pocket health expenses
3) coverage "gaps" draining entire Life Savings dry
... (tragically this happens to over 70% of all Retirees)
4) paying $1000's too much for their Prescriptions
5) paying too much in Plan Premiums
6) being on the wrong Plan for their personal situation
7) being penalized (for life!) for simply being uninformed
8) accidentally waiving their legal rights and entitlements

The average Retiree is on Medicare ~ 20 years, and everyone's personal healthcare needs change throughout that time. Plus, Medicare Plans are NOT all equal, and there is no "1-size-fits-all" Plan, and there are changes to Medicare Plans every year! So, annual reviews are key!

I also help Retirees protect their Life Savings and their Legacy, by helping them develop Final Expenses and Guaranteed Retirement Income plans - utilizing a variety of Life Insurance and Annuities products. My #1 aim here is to help my Retiree clients prevent the Gov't (the IRS) from being the biggest beneficiary of their Estate!