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Welcome to WWW.INSURANCECOMBO.COM presented by Maria Gutierrez Insurance. We have been in business for over 25 years helping individuals and families locally and across the country, providing security and financial solutions to baby boomers, those approaching retirement and retirees. Choosing an insurance company is an important decision, we understand that you may have specific concerns.  As cost of living, college, medical, housing and living expenses continue to rise; consumers need to review their investments and strategies to secure their future and their families. Our due diligence exercise identifies the clients current financial position; after thorough analysis of future needs, we shop the market for best products and services to match short term and long term financial goals for retirement.

Maria Gutierrez holds a 2-15 license offering HEALTH, LIFE, INDEXED ANNUITIES and other FINANCIAL SERVICES to clients of all ages and health conditions. Prior to the financial crisis Maria was a Realtor and Mortgage Broker helping families and businesses achieve the American dream of owning real estate. Our company focuses on educating and informing families and companies regarding insurance options, assisting them in acquiring the best insurance policies for their needs and providing excellent customer service.

Not sure what products are right for you? We represent a wide selection of insurance products from the top national & international carriers; most of the offerings can be customized to fit your needs and budget, let us do the work for you. We will protect you, your family and your assets. We are a company you can trust! So if you’re interested in leaving a legacy for your loved ones with a tax-advantage, searching for retirement options, long term care or disability coverage you are at the right place. Looking for supplement insurance for your high deductible major medical or Medicare advantage plan? Or just have a need for short term coverage, critical illness, accident or indemnity payout policy? We’re here to fulfill all those needs; we represent the best carriers in the industry highly rated by A.M. Best Company.

Are you shopping around for your employee’s benefits package or concern about protecting your mortgage? Do you worry about your loved ones after you death but have medical conditions? Don’t worry we can match the right plan for you. Overwhelmed with the high cost of college education or wanting to know more about a living trust to avoid probate? Just click on the different TABS to learn more about each category of services offered or click GET A QUOTE tab below. For immediate response simply  call Maria Gutierrez at 954-394-8672 or send us an email at MariaInsurance@gmail.com No matter what type of insurance you need, our team will provide you with a customized plan. Our extensive knowledge and expertise will help you sleep better at night and you can be certain that you and your loved ones are well protected!

SERVICES

Self Enroll: Self enroll 24/7 at the comfort of your home or work and have a policy issued immediately! Self enroll in a variety of insurance plans at your own pace. Just click on the plan you want to connect you to the insurance company of choice, get a quote, review the color brochure attached, complete the short application and make your payment- in most plans have a policy effective the next day. Self enroll in a policy in less than 10 minutes, just click on the SELF ENROLL Tab to buy your policy now!

Life Insurance: Life Insurance is an integral part of the services; we make sure you have the right coverage to protect you and your loved ones in the event an unpredictable and inevitable tragedy happens. Life policies today have living benefits rider so you can access part of your life policy in case of chronic, critical or terminal illness. Permanent life insurance offers a cash value component, which can be put to good use during your lifetime. You may have a pre-existing condition that needs further discussion, don’t worry- we have our expert special case team support that will discuss your situation with our insurance underwriters to find a solution for you. In the event of your passing, life insurance pays money directly to your beneficiaries. They can use the allotment for: paying off household debt, paying for your funeral and other related expenses, funding a child’s education or making up for your lost income. Click on the LIFE Tab Life Insurance Calculator Tool for a quick quote.

Medicare Insurance: Medicare is a federal health insurance program for people 65 years of age or older in most cases. It pays for much of your health care, but not all of it, such costs could be, prescription drugs, deductibles, and coinsurance. Medicare Advantage Plans are also known as Part C and are offered by private insurance companies and cover all of the services of Original Medicare and many Medicare Advantage plans also include Part D (drug coverage). Quite a few Medicare Advantage Plans offer additional benefits such as Dental, Vision, Transportation and even Silver Sneakers (gym program). Medicare Supplements are health insurance policies sold by private health insurance companies to fill the "gaps" in Medicare coverage. Medicare Supplements mean peace of mind during your “Golden Years” and the flexibility to see any provider in any of the 50 states that accepts Medicare. If you are 65 and don’t qualify for Medicare or want more coverage we have other plan options. Check out the different websites listed and topics of interest related to Medicare, Medicaid & Social Security programs by clicking on the MEDICARE Tab.

Group Insurance: Not sure what is the best for your company and your employees? Fully Insured, Self Funded or Level Funded? There is no one size fits all when it comes to buying group health insurance for your most valuable asset, your “employees”.  Are you a small business looking for low cost affordable group health insurance for your employees? If so, then we can provide 100’s of different group options from HMO to PPO plans. We can provide you (ACA) compliant group insurance core benefits or non-guaranteed self funded contracts. No matter what size your business is we have you covered!

Major medical core plans leave your employees with high deductibles and out of pocket cost, getting a supplement gap or indemnity plan minimizes their exposure. There are Worksite-Voluntary benefits for added protection in case of disability, accident, critical illness or cancer paying cash for needed expenses. If you don’t offer group core health and/or voluntary benefits, where will employees get the money for medical care, emergencies and income replacement? From their savings, a loan, family members or YOU (the employer)? If you give it to one-you must give it to all employees! You will be self funding the unexpected! So no matter what your budget is there are “Association” packages to cover essential needs at very low cost.

Due to the Health Care reform act employers are now, more than ever, understanding that buying a small group plan for their employee is extremely valuable to their business. The insurance companies that do not want to provide Obamacare in the individual marketplace are chomping at the bit to provide your business small group commercial plans. These markets have been around for a long time and are more stable. Therefore all the good plans that many people desire are available in the commercial group markets. Maria Gutierrez is “Certified Benefits Counselor”-“Benefits Communication & Education specialist” she has been helping employees understand and appreciate the benefits available to them through the workplace and select the benefits best suited for their needs. Allow us the opportunity to gather some basic company information and collect employee census to prepare a competitive workplace solution package. Click on the GROUP tab to learn more about the different funding options and plans available to your company.

Health Insurance: Most of the plans in this category are for people under 65 years old. Individual health care coverage allows you & your family to get regular check-ups, sees specialists, and gets the medicine, treatment and care you need at reasonable prices. Shopping for the perfect individual health these days can be time-consuming and challenging; so skip the hours of shopping around and let us do the job for you! We’re a “One Stop Shop” company. Call us at 954-394-8672 we’ll be happy to help you find the most affordable and appropriate health insurance plan for you and your family.

Since the Affordable Care Act (ACA)-the comprehensive health care reform law was enacted in 2010 (often called “Obamacare”) getting affordable health insurance has become a big challenge for a big segment of the population due to the government mandate “10 Essential Health Benefits (EHB)” coverage-all plans must have; making the cost of insurance unaffordable. Non-participating insurance companies in the “Marketplace Exchange” have been very creative designing “Minimum Essential Health Coverage” (MEC) plans, “Share Responsibility Associations Package”, basic, catastrophic, Short Term Medical-STM plans all (ACA) compliant to satisfy the individual mandate provision of the “Affordable Care Act” avoiding individual tax penalties. The so called “Hybrids” combine different plan designs and added benefits in ONE attractive premium to fill the demand of the uninsured in search for affordable healthcare. Click on the HEALTH tab to learn more!

Supplemental Insurance: Is a collection of mini insurance plans that you can sprinkle on top of your regular health insurance. While primary health insurance is rather broad and general, supplemental insurance plans tend to be more specific to one particular area of coverage. Supplement plans help you cover deductible, co-insurance, copayment and out of pocket costs not covered by your major medical. Most are fixed indemnity plans that pay CASH to you per covered benefit as defined by the policy for things like living expenses, mortgage payment, child care, college tuition, experimental treatment, etc. These plans are also a good solution for limited budgets and can be customized to your needs. The Accident, Disability, Critical Accident, Critical Illness and Cancer plans are some of the “must have” second level of protection for the unexpected! Major medical plans whether individual or group often leave you with high exposure ranging from $3,000 to $12,000 out of pocket costs.

Click on the SUPPLEMENTS tab to learn more!

Disability Insurance:  Most people insure their material possessions like their homes and cars, for example, but many people don’t insure what is probably their most valuable asset: “The ability to go to work and earn a paycheck or income”. If a person becomes sick or injured and can’t work, that person will not be able to pay bills and maintain the same or similar standard of living. Disability insurance helps cover your medical bills if you are sick or injured. Some disability plans pay out benefits only for an illness, while others pay for illness and injuries. Business owners and professionals rely on their key skills and leadership protecting their income in case of an injury or health issue, disability coverage can be a very important need for certain individuals. Business owners shop for Buy-Sell Disability Insurance, Key Person Disability, Business Overhead Insurance (B.O.I.) or Salary Continuation Disability. For those in the medical field the Physicians, Surgeons, Dentist or Chiropractors Disability policies available to them. Other covered industries are: Legal Profession Disability, Entertainment Industry Disability, Brokers & Traders Disability to name a few. For a detailed list of covered professions click on the DISABILITY Tab & Calculator Tool for a quick quote.

Annuities: A number of the annuity products currently on the market can help provide a secure stream of income during retirement. Some annuities that may be suitable for your unique situation are fixed annuities, with principal protection and no market exposure, and fixed index annuities, with principal protection and the potential for higher earnings with increases in a linked Market Index. Riders are usually available, for an additional annual premium, to include protection against inflation and other benefits. Some of the policies available will include an up-front bonus that begins earning interest along with your premium amount immediately. Some of the features that are available to you through fixed index annuities are bonuses, various crediting methods, and allocation options that give you choices for your money. The number one fear people have today, upon retirement is not death, it is running out of money! An indexed annuity addressing risk, protecting principal, providing lifetime income for you and your wife is part of our strategy for your secure retirement!

Click on the ANNUITIES tab to learn more

College Scholarship: The cost of college continues to rise and rise each year! Picking out a college, understanding what you could pay vs. what most will pay is important. Are you aware that after the cost of purchasing your home, the cost of college is by far the most expensive purchase you will make? Today’s college education costs range from $12,000 to $30,000 per year at a state college and $25,000 to $60,000 at a private college. That’s $60,000 to over $300,000 for a four-year education when considering inflation. How will families meet this obligation? Some families spend their life and/or retirement savings. Others take out home equity loans and burden their family budgets. There is a better solution. Call Maria Gutierrez at 954-394-8672 or request further information at MariaInsurance@gmail.com to lean about creative options from our carriers in your area.

Click on the COLLEGE SCHOLARSHIP tab to learn more

Living Trust: As you are approaching retirement, you are at a point in your life that you have accumulated substantial assets: home, savings, investments, real estate, along with other personal items. Some day you wish to pass on valuables to your heirs, maybe donate to charity or your church or synagogue; gift something to a close friend, etc. How do you do this? The most loving thing you can do for your family is to provide for their future security with a Living Trust. Many people don't realize that preparing a Will is an invitation into Probate. That's right…if you have a Will you will most definitely go through the Probate process. Probate will cost your family 5% to 10% of the total gross value of your estate, and the Probate attorneys get most of that money. Please go to my Living Trust website http://heritagelivingtrust.agency/Gutierrez and learn more about how a living trust can be a valuable and important financial & legal tool designed to protect your assets from probate. Many of your questions will be answered by Maria Gutierrez-agent with Heritage Living Trust; she can help you set up this valuable financial instrument to protect your assets and your desires for whom to pass them on in the future.

Click on the LIVING TRUST tab to learn more.

ADDITIONAL PLAN AVAILABLE UPON REQUEST

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