We’ve seen too many families devastated emotionally and financially by healthcare costs later in life. A study by Fidelity estimates that a couple who are both 65 years old will need $295,000 in today’s dollars, after taxes, for medical expenses for the balance of their lives. This estimate does not include the additional cost of long term care expenses1.
Our goal is to help our clients feel confident in their future by assisting them in the selection of Medicare, long term care, and life insurance options that will benefit them throughout retirement. We have spent decades investigating both government and private programs that address medical expenses. The good news is there are options available, but the not-so-good news is that it can be complicated. Too many alternatives can be overwhelming. That’s where we come in and offer guidance, so you only have to focus on the options that pertain to your individual circumstance.
“How to plan for rising health care costs”, Fidelity.com, 8/3/20.
Cyan is an independent agency, meaning that we are not limited to just one set of plans, and we are able to shop multiple sources for best fit plans. Our agents have been instructors, and they thoroughly enjoy helping people assess available options. Our agents offer one-on-one counseling where they will learn about your goals and narrow down your insurance options to the ones that will be most helpful to you. This reduces the dozens of plans available, many of which will not be applicable, down to a manageable set.
April Finster is a Medicare expert. Each year, April researches all aspects of Medicare and investigates changes in available options. We use April’s research to create materials to explain Medicare options and outline any costs related to specific choices. April excels at helping our clients understand all aspects of Medicare because she has the skilled background of an educator. Her previous work includes teaching and tutoring mathematics.
April’s Hobbies: Spending time with family, participating in church, sewing, and enjoying the outdoors through hiking and boating.
Ken Finster is a Long Term Care (LTC) and life insurance expert. He holds the CLTC designation for LTC planning. Ken’s goal is to help families avoid negative emotional and financial consequences of extended care or premature death. He works with clients to understand their goals and make recommendations for long term care and life insurance programs that will be most beneficial for their specific circumstances. Ken’s background includes teaching electronics, Social Security, and college funding.
Ken’s Hobbies: Spending time with family, participating in church, strumming the guitar, and staying active by skiing and hiking.
Cyan Insurance Solutions is licensed to provide assistance to clients in a number of states.
Whether in-office, by phone, or through video conferencing, your preferred appointment format can be accommodated.
CURRENT STATE LICENSES
CA: 0H05052 | AZ: 2895786 | TN: 2371068 | GA: 3341020 | VA: 1172389 | FL: W636751