Hesed Insurance Solutions

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Protecting You Like Family ... Because You Are.  Matt 12:50

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Products

Current Products & Services

In-Home Care
Health
Medigap
Life
LTCi
Savings & Income
Retirement Plans
Charitable Giving
  1. Health Insurance
    Insure My Parts® is our website for under age 65 health insurance. We offer "regular" health insurance - not tax-payer subsidized "Obamacare" plans. We also recommend Health-Care Sharing alternatives for those who qualify and want to be exempt from "The Affordable Care Act" and the possible tax-penalties for not having creditable coverage. Hassle-free Quotes + Compare plans and prices + Enroll yourself online 24/7 = Self-Serve Insurance® We also offer stand-alone Dental Insurance for all ages.
  2. Life Insurance
    We recommend Life Insurance you don't have to die to use. That's right - life insurance with living benefits can help you while you're alive. Your parents, your spouse, your children and your church will be thankful you turned a possible burden into a blessing. For those who want a simple term or final expense policy we offer Self-Serve Life Insurance. Run unlimited hassle-free quotes from well know "A" rated companies. NEW: Sell your current life insurance policy for cash money or convert your policy into a long term care benefit plan that pays in-home care or institutionalized care. Don't let a policy lapse! Give us a call if you have a chronic or terminal condition.
  3. Long-Term Care Insurance
    Who needs long-term care insurance? According to LongTermCare.gov, close to 3 in 4 people will need help in the home or in a facility. Let us show you how to acquire Zero Cost Long Term Care® with proven 27-year-old programs. Even utilize retirement funds for long-term care. Call us to find out how you can "Protect your wealth from poor health." Traditional long term care insurance plans are also available.
  4. College Funding Assistance
    The College Board reports that a "moderate" college budget for an in-state public college for the 2014-2015 academic year averaged $23,410. A moderate budget at a private college averaged $46,272. How Will You Pay for That? x How many children? There are ways to save money in advance and near the time of application. Contact us for assistance.
  5. Retirement Plans
    "This data so clearly shows what a difference a retirement plan makes, in that people who have a plan have saved three times what those without a plan have saved" ~ Laurie Nordquist, head of Wells Fargo Institutional Retirement and Trust. A plan instills confidence and gives people the discipline to stick with their objectives and reach their financial goals. 2013 Middle Class Study Our Retirement Planning Team can work with you to construct an in-depth long term plan to help ensure your financial stability for decades to come. We don't play games with your money. We insure it against loss and make it grow.
  6. Charitable Giving Plans
    A charitable way to bless: #1) your church or favorite charity with a cash donation #2) your spouse or heirs with a structured inheritance #3) yourself with income and/or tax savings.* Involves a simple asset transfer to a 501(c)(3) public non-profit Christian organization. Assets can be cash, real estate, securities, or an annuity. *Tax savings may include a reduction in annual income taxes. Charitable giving plans vary by state.
  7. Medigap & Rx
    Specializing in Medicare Supplements for seniors age 65+, as well as those younger on disability, our Medicare insurance website enables Medicare recipients to: 1) Run hassle-free quotes online anytime from several major carriers 2) Learn about Medicare Supplements, Medicare Advantage, and Rx Plans 3) Receive help in acquiring a new Medigap policy anytime of the year (Part D / Rx Plans subject to annual open enrollment periods)
  8. In-Home Care Service Plans
    70% of Americans will need some type of home care in their lifetime. ~ U.S. Dept. of Health & Human Services No Underwriting + No Claim Forms + No Deductible + No Co-Pays + No Age Limit Services include meal planning/preparation; assistance with dressing, grooming, and bathing; light housekeeping; monitoring diet and medications; grocery shopping; accompanying to doctors appointments, church, and more. This is not insurance; however, it may be a useful and affordable alternative to Long-Term Care Insurance, and like insurance - you must acquire it before you need it.
  9. Income Savings Strategies
    Are you concerned with the safety of your IRA/401k/403b/mutual funds/stocks, etc? Are you tired of small gains and losses? Or wondering how taxes, fees, and inflation will affect the money you're saving? Perhaps you're thinking about the upcoming market crash. (We are due for another big "correction.") Would you like to protect and diversify? Or create an additional source of income? Tell us your concerns. We'll listen, then compare a variety of possible options including: Market-linked CDs, Index Annuities, Discount Payouts™, First position commercial mortgages, IULs and more. Traditional and "out of the box" thinking to help you reach your financial goals.
NOTE:   Regarding Life Insurance, College Funding, Retirement Plans, Chartiable Giving Plans or any other Savings or Investment Vehicles that you currently own or may consider acquiring - You should always seek tax, legal, and financial advice from a trusted CPA or tax attorney or advisor who is very familiar with your particular financial situation and will take the time to provide thoughtful constructive advice that will be in your best interest regarding any changes that you might make either now or in the future.   The goal is for everyone to work together for your benefit.
Zero Cost Long Term Care® and “Protect your wealth from poor health” are registered trademarks of Mr. Mark Dice, used with permission.   Individuals should seek tax, legal, and financial advice from a trusted CPA or tax attorney.