You may come for our top contracts, but you will stay for the service!


Medicare Supplements

A Medicare Supplement plan or Medigap Insurance is sold by private companies and helps pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Some Medicare Supplement plans/Medigap policies also offer coverage for services that Original Medicare doesn’t cover, for example medical care when you travel outside the U.S. If your client has Original Medicare and they buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then their Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

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Medicare Advantage

A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide your client with all of their Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If your client is enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and not under Original Medicare. Most Medicare Advantage Plans also offer prescription drug coverage.

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Part D/Rx Plans

Medicare offers prescription drug coverage to everyone with Medicare. If your client decides not to join a Medicare Prescription Drug Plan when they are first eligible, and they don’t have other creditable prescription drug coverage, or they don’t get Extra Help, your client will likely pay a late enrollment penalty. To get Medicare drug coverage, your client must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.


Critical Illness

Critical Illness insurance is additional medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness such as a Heart Attack, Stroke, or Cancer. A critical illness insurance plan provides a payout to help your client avoid the extra out-of-pocket cost associated with a critical illness so they can focus on their recovery. Although medical insurance and life insurance coverage are essential for your client, traditional medical insurance doesn’t always cover everything, especially the indirect costs of recovery (loss of income, travel costs, child care, etc.). Clients today can experience financial hardship because of the expenses their insurance does not cover and critical illness insurance could be a strong supplement to your client’s health insurance and your portfolio.

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Dental, Vision and Hearing

The best way to maintain a healthy and beautiful smile is the path of prevention. Your client will save a fortune over their lifetime by properly brushing, flossing and seeking professional dental cleanings and regular exams. Senior Benefit Services offers a Dental, Vision, and Hearing policy that has made it easy for your client to stay on top of fighting and preventing disease and decay through regular care. With benefits from $1,000, $1,500, to $2000 and no underwriting questions, your client can maintain a healthy and beautiful smile. Plus, keep in mind that most dental policies include a vision and hearing benefit.

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Home Health Care Plans

Recovery doesn’t have to be in the nursing home! More clients are choosing to recover from sickness or injury at home with the daily benefits of a Home Health Care plan. Underwriting is typically 2-3 health questions and most clients will be approved. But this plan also has a 2 in 1 benefit. In addition to daily benefits up to 180 days, your client will also have a Prescription Drug benefit that can potentially reimburse their prescriptions up to $300 a year. This includes refills!

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Hospital Indemnity Plans

Most primary health insurance plans do not cover all hospital costs. If your Medicare Advantage client is hospitalized, they can be stuck paying the amounts not covered by their primary insurance such as a daily Hospital Co-pay anywhere from $200 – $350 a day, and that can get expensive! A hospital indemnity plan covers that daily hospital co-pay and some of the costs associated with a hospital stay. We offer Hospital Indemnity plans with a daily benefit from $100 – $700 a day for a 3, 6, 10, 21, or 31 day benefit period. Most plans also offer the option of a 1-day lump sum benefit and additional riders to cover more than just your client’s hospital stay.

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Long Term Care Insurance

Long Term Care insurance is coverage that provides valuable support and financial resources to help your client cover the cost of long term care they might need in the event of an illness, accident, or through the normal effects of aging. By helping your client to protect their assets, and giving them choices and control over where they receive care. You, the broker, have given them piece of mind to face the future.

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Short Term Care Insurance

While Long Term Care is beneficial coverage for your client’s future, it’s not always viable. With premiums skyrocketing over the past couple of years, clients have turned to Short Term Care insurance. This offers a daily coverage if your client is confined to a nursing home or skilled nursing facility up to 360 days. If your client already has a Long Term Care plan, make sure to double check their elimination period. What might have seemed affordable to pay out-of-pocket years ago could clear out most savings accounts today. Short Term Care offers daily benefits options from 30, 45, 60, 90, or 180 days, giving your client the ability to cover their Long Term Care elimination period without breaking the bank.

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Active Agents Only
Our final expense and Life products are only available to agents that hold an active health related appointment with Senior Benefit Services and currently have active policies with that health appointment. Any questions please contact Marketing at 800.924.4727

Final Expense Life Insurance

Coping with the grief of death is hard enough without having to worry about burial expenses. That’s why Senior Benefit Services offers Final Expense life insurance policies to help relieve your client’s family of the anxiety of having to pay funeral costs with a fixed death benefit to help their loved ones through a difficult time. Policy benefits are paid to your client’s beneficiary, who may or may not use them to help pay final expenses.


Guarantee Issue Final Expense Life Insurance

Senior Benefit Services offers Guaranteed Issue Graded Benefit Whole Life Insurance plans you can use to help your client receive permanent life insurance without having to qualify for coverage based on their health. If your client is between the ages of 40 to 85, they are already approved! The benefits from these guaranteed issue life insurance plans are a helping hand for your client’s loved ones during a difficult time.


Senior Term Life Insurance

Unlike whole life insurance, Term Life insurance for seniors covers your client for a specific term or duration. It helps your client’s family handle their needs in the event of a sudden death within a pre-defined term. Keep in mind, that a term life insurance policy will not build equity as whole life insurance does. However, it is always a good idea to offer a term life product along with other life insurance plans. For example, to help cover the existing life of a home mortgage.

Single Premium Whole Life Insurance

The main benefit of Single Premium Whole Life insurance plan is to dramatically increase qualified funds to create an estate that can provide for your client’s survivors or to leave to charity of their choosing. Single Premium Whole Life Insurance is a type of life insurance in which a lump sum of after tax dollars is paid into the policy in return for a death benefit that is guaranteed to remain paid-up until your client passes away. Keep in mind, the size of the death benefit depends on the amount invested, the age, and health of the client when the policy is issued.


Find out more about the products and carriers we offer!

Give us a call (800) 924-4727 or email us

States that Senior Benefit Services Inc. Serves

Alabama Arizona Arkansas California
Colorado Connecticut Delaware Idaho
Florida Georgia Iowa Kansas
Illinois Indiana Maine Maryland
Kentucky Louisiana Minnesota Mississippi
Massachusetts Michigan Nebraska Nevada
Missouri Montana New Mexico New York
New Hampshire New Jersey Ohio Oklahoma
North Carolina North Dakota Rhode Island South Carolina
Oregon Pennsylvania Texas Utah
South Dakota Tennessee Washington West Virginia
Vermont Virginia Wisconsin Wyoming