James Wm. Harris III - Medicare Products, Final Expense, Mortgage Protection, Annuities
 
Products / Services

(Telephonic or 'in person' service available.)

Hablo Español

1 ---- Medicare Products (Medicare Parts C and D)

Medicare Advantage and Prescription Drug  (NO  premium to LOW  premium plans)
 --- CAP your per year COSTS for:
             covered medical expenses (MUST cover all  that MEDICARE A & B cover)
             covered prescriptions

Medicare Supplement
 --- Fill in gaps in Medicare Coverage

Prescription Plans - plans to cover prescriptions only
     

2 ---- Final Expense / Burial Insurance (Guaranteed or Simplified issue) 
                      - ages 0 - 89 may be put in for coverage 
                      - once policy is issued, coverage is for LIFE. (i.e., never expires).            

          - permanent (i.e., lifetime) coverage to cover burial costs, etc..

          - GUARANTEED ISSUE products for persons with SEVERE  health conditions     
                    [AIDS, Cancer, etc.] available - 

                    NO HEALTH QUESTIONS on application!
                    Ages 50 - 85!
                 
          - SIMPLIFIED / EASY ISSUE products for people of MODERATE to VERY GOOD 
                            health available also
                    - these include health questions on the application, and have lower rates 
                            than the policies referred to above. 
                     Ages 0 - 89

          - NO EXAM  required for ANY final expense / burial coverage.

          - COST never goes UP, and BENEFIT never goes DOWN.
                    (In certain cases, benefit actually increases.)

          - FAST approval / issue of policy (can be minutes, when done 
                 electronically;  or, 5 - 10 days otherwise).

 
3 ---- 'General' Life Insurance - Simplified and fully underwritten
 
          - term, universal, and whole life. 
          - persons 0 - 80 years old may apply. 
          - family coverage available.
            - coverage may or may not require exam; 
                 exams free, if needed.


4 ---- Mortgage Protection
 
          - term and universal life coverage
            [to protect mortgages in event of death].
          - personal disability to protect income if sick or
                  injured.
          - coverage may or may not require exam;                                             
                  exams are fREE to you, if needed.

Note # 1:  Apply ONLINE for TERM Life  (i.e., temporary life coverage) ONLY:
             Go to link below - (copy / paste link into browser):

                 https://www.bestow.com/agents/jamesharris/?           
             u=a67a2517&utm_source=jamesharris&utm_medium=agents          

       You can get an IMMEDIATE OFFER of coverage here, and buy  
            online the same day with a credit / debit card. Coverage is  
            effective immediately upon payment, or chosen effective date.
      Coverage periods range from 10 - 30 years.
      You must be age 18 - 60 years old (as of last birthday) to apply.

Note # 2:  Apply ONLINE for both TERM Life  (i.e., temporary life coverage) and WHOLE LIFE (permanent coverage):
         
          Go to link below - (copy / paste link into browser):

              https://agents.ethoslife.com/invite/d643

       Term life: Ages 18 -  69 may apply.
       Whole life: Ages 18 - 85 may apply. 

For ALL life coverage described in topic sections 2 - 4 above, i.e. - 
     Final Expense
     'General' Life Insurance
     Mortgage Protection;

     you can ALWAYS contact me at page 3, as well. 

     The ONLINE enrollment links above are just for your convenience. 
     (Further, I have products NOT at those links that allow still higher  
             ages to apply for coverage. 
      Whole life: up to and including age 89 may apply
      Term life: up to and including age 75 may apply
      Universal life: up to and including age 85 may apply
      So, if you are older than the ages specified under the links, just 
      call  me!)
            

5 ---- Legal Insurance / Protection


       - Legal Plans for Individuals and Businesses, starting at $25 / mo 
                                   Also - 'ID Shield' plan for $12 / mo
                                   (Please see website.)
   

6 ---- Dental / Vision coverage


      - Dental: 
  • Two dental exams and cleanings per benefit year
  • Up to $2,000 Maximum Benefit annually
  • The Ameritas ​Dental ​Network, one of the largest in the nation
             (Please see website above.)

      - Vision:      
  • No waiting periods for immediate coverage
  • VSP or EyeMed networks for the greatest savings
            (Please see website above.)


7 ---- Payroll Deduction  insurance products for your company
 
          - NO COST to employer.     
          - life / disability / critical illness
                     coverage. 
          - employees participate voluntarily, through
                     payroll deduction.      
        

8 ---  Personal Disability Coverage
 
          - receive monthly income if you cannot work due
                    to illness or injury.                                
 
 Life / Health Companies Represented

Medicare Products (Individual):

       AETNA / CVS
       CLOVER
 
Life Products (Individual):
    
        Mutual of Omaha (d/b/a United of Omaha in NJ).
        AETNA (via subsidiary ASCENDO Life),
        AIG (i.e., American General Life),
        EThos Life, 
        Assurity Life, 
        Bestow Agency,  
        Gerber Life, 
        Columbian Life, 
        Liberty Bankers Life, and
        Nationwide.        
    
Group PAYROLL DEDUCTION  insurance:

        UNUM, and
        Assurity Worksite.       
 
Hablo Español
 
 (Please also see the "About Me" and "Contact Me" links above.)

Without prejudice,  all rights reserved.
 
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