Graber Agency Inc.

08/27/2024

💰 Affordable Protection💰

This plan is a living benefit and it is guaranteed issue!!

Monthly Costs for a 30k Critical Illness coverage:

Age 30: $14.50

Age 40: $19.26

Age 50: $38.00

🛡️ What's Covered?

Invasive Cancer: 100%

Heart Attack: 100%

Major Organ Failure: 100%

Stroke: 100%

Renal Failure: 100%

Alzheimer's Disease: 100%

Plus, additional coverage for conditions like Cancer in Situ, Severe Coronary Artery Disease, and more!

💡 Extra Protection with Recurrence Benefit! If John faces a recurrence after 180 days, he’ll be covered again up to the Lifetime Maximum Benefit of 200% of his insurance amount. That's peace of mind for the long haul!

Don't wait—secure your future today! Reach out to learn more about how you can protect yourself with these low rates and great benefits.

👉 Message me now for more details!

08/07/2024

❗ ❗ How to Help Yourself or a Client If Your Health Plan Has Limited Hospital Coverage ❗ ❗ 🏥

Imagine you or one of your clients, a real estate agent, constantly on the move, managing properties, and meeting clients. One day, out of the blue, they find themselves in the hospital with an unexpected illness. The bills start piling up, and while they have health insurance, it doesn't cover everything. Many clients opt for lower-cost health plans to keep premiums affordable, often resulting in limited hospital coverage.

This is where our Hospital Indemnity Plan makes a significant difference. Take Sarah, a top-performing agent who faced this exact situation.

With our plan, Sarah received:

$1,000 for her hospital admission

$1,000 for ICU admission

Up to $150 per day for her hospital stay (up to 31 days)

Up to $300 per day for ICU confinement

Sarah didn't have to worry about the financial burden of her hospital stay. She could focus on recovery, knowing that her insurance plan had her back, covering those unexpected expenses that her basic health insurance didn't.

Our Hospital Indemnity Plan ensures their financial stability even during tough times, complementing their existing health plans by providing essential hospital coverage. And the best part? It's guaranteed issue - no health questions asked for enrollment.

Providing comprehensive coverage options that fill the gaps left by basic health plans.

📧 Contact us
[email protected] or visit www.graberagency.com for more details. 📞 Call us at 201-573-9556

08/06/2024

❗️ Missed Open Enrollment? No Problem! ❗️

Picture this: One of your clients missed the open enrollment period and now they're scrambling for health coverage. We've all been there, and it can be stressful. But here's the good news: We've got a solution that can help them anytime!

We offer Individual Health Insurance plans that are available year-round. This means you can help your clients find the perfect plan whenever they need it, without the pressure of enrollment deadlines.

Our plans are designed to be flexible and tailored to individual needs, providing access to extensive doctor networks like Cigna, PHCS, and Qualcare (NJ only). Whether it's for individuals, sole proprietors, or businesses of any size, we've got them covered.

✅ No enrollment deadlines
✅ Access to extensive doctor networks

Let's make sure your clients feel secure and supported all year round. Reach out to us today to find out how we can help!

📞 201-573-9556
📧 [email protected]
🌐 www.graberagency.com

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06/15/2022

Many parents intend to teach their children to have a healthy relationship with money but end up falling short — even though a majority say personal finance lessons are best taught at home.

"Children need to learn from a very early age that money is not a scary concept," said Debra Kaplan, a licensed therapist, author and speaker.

06/09/2022

It’s becoming harder to afford a home.

Let's have a conversation about what is best for you.

Rising mortgage rates and prices are squeezing buyers. At the same time, rents are also up. Here's what to consider when deciding which move is right for you.

06/07/2022

Not paying themselves a salary is a mistake many entrepreneurs make. More than a quarter (26%) of small business owners said it was their worst financial bad habit, according to a March 2022 survey by Wave Financial.

As inflation hits highs not seen in decades, here's a look at how small business owners can avoid financial flubs that could set them back.

09/23/2021

The most diligent, knowledgeable retirees can fall into money traps. Unanticipated expenses can creep up on them, upending their best-laid plans and turning what was supposed to be the wealth preservation phase of life into a wealth evaporation panic.

Contact me to learn more!

These sneaky costs can break even the most careful budget

09/16/2021

Minimizing taxes, obtaining affordable health insurance and having ample penalty-free income at a young age are all critical variables for early retirement. At first glance, these different variables might seem independent of one another, but the decisions you make on one of the variables can heavily influence the others.

Call me to learn more!

Developing an investment strategy that will provide sufficient income for you as a young retiree requires a balancing act between liquidity, tax efficiency and affordable health insurance.

09/06/2021

Happy Labor Day!

09/02/2021

If you have amassed a large or even small fortune in your 401(k) retirement plan at work, an important decision eventually awaits: What should you do with the money when you retire or otherwise leave the company?

Would you like to learn more? Give me a call!

The new federal guidelines focus on potential conflicts of interest and what obligations your adviser owes you to help you make wise financial choices

08/26/2021

Contributing to a 401(k) is a great starting point, especially if your employer offers a match. But if that's not an option, or if you want to save even more, you'll probably find yourself deciding between a traditional and a Roth IRA.

Interested in learning more? Give me a call.

An IRA is a retirement savings account that can reduce your tax bill — now (by using a traditional IRA) or in the future (with a Roth IRA).

08/19/2021

As a general rule, it's a good idea to keep about three to six months' worth of living expenses tucked away for emergencies. And you'll often hear that you should keep that money in a savings account.

But that poses a problem. Given what savings accounts are paying today in interest, leaving that much cash in one could mean denying yourself much more generous returns. And if that doesn't sit well with you, you may be considering finding another home for your emergency fund, like a Roth IRA.

Let's chat to learn more!

You could earn much better returns in a Roth IRA than with a savings account, especially given today's interest rates. Here are the pros and cons.