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Special Services for Seniors

Insurance companies are forever trying to refine the balance between cost and coverage. The majority of these providers are working even harder to bring the senior community the best protection at a price they can afford.

In response, we have developed the Medicare Solutions Center (MSC), a division of PREMIER OPTION specially dedicated to those individuals age 65 and older. Since most seniors are on a fixed income, this service helps them find benefits that maximize their purchasing power.

The MSC uses internet-based technology that replaces paper documents—everything from brochures to applications. This cutting-edge process allows you to apply for any plan in a matter of moments, speeds up underwriting and helps keep the environment clean.

Medicare Supplement Insurance

Medicare pays for much of the health care services provided to seniors, but not all of it. This federal program has a high deductible for hospital admission, and it only pays 80% of eligible doctor and medical costs. Without additional coverage, the remaining 20% would be your responsibility. Such costs could be in the form of co-pays, deductibles and coinsurance. In the event of a serious illness or hospital stay of just a few days, it could easily set you back many thousands of dollars!

Medicare Supplements are health plan policies sold by private insurance companies to fill these “gaps” in Medicare coverage and lower or even eliminate your out-of-pocket costs. A variety of plans are available that cover all or most medical expenses providing you with peace-of-mind and potentially significant savings.
Why Choose Us for Your Supplement Plan? 

Medicare Supplement policies are regulated and standardized by the government. However, the cost of these plans vary only according to their level of coverage and premium amount. For example, “Company A” can charge a much lower premium than “Company B” for a plan with the EXACT SAME BENEFITS!

We specialize in finding the insurance company that provides the plan with the benefits of your choice, but at the lowest cost currently available in your specific area. The difference in savings for you could be in the hundreds of dollars each year and without ever losing access to any doctors or hospitals.

We not only shop the market when you first become a client, but also every year thereafter. We'll review your account to see if you can get an even better deal on a plan that may have been recently introduced into the market. If there is such a plan, we notify you before your existing plan's renewal. Has your current agent been providing this level of service? If not, it may be time to speak with a PREMIER OPTION agent.
Product and Service Options 

At PREMIER OPTION, we're constantly evaluating the market to make certain our portfolio of products offers the best value from financially top-rated companies. For your convenience, we also offer options in our service delivery. 

We recognize that no two clients are exactly the same. Some customers are more traditional and prefer to have an agent come to their home for service. Still, others would rather do everything online at their own computer without having to invite an agent into their residence. Regardless of your preference, we are prepared to accommodate you at your convenience. For more details, call us toll-free at 1-888-234-7826 or email
Final Expense Benefits
Coverage is available for those individuals who do not want their families to bear the financial burden of their last days. No matter what your age, it`s always a good idea to have a plan as to how you intend to cover these final costs.

With the application for this type of insurance, we also offer a "Last Wishes" service at no extra charge that acts as a customized guide with specific instructions for your family to follow. This written plan, along with the insurance proceeds, helps the surviving members of your family to remain organized and focused on what really matters... grieving for their loss.

Qualifying for this type of coverage is typically easier than getting approved for more traditional life insurance. This special underwriting is made available through "simplified issue" or "guaranteed issue" policies. Learn more about how you can apply online now for guaranteed coverage from a top-rated carrier with NO physical exam and NO health questions! 
Final expense life insurance is also available at a lower cost premium than most other types of life insurance. Policy holders are allowed to make easy monthly payments in most cases. This factor is especially convenient for retirees who are living on a fixed income.

Please don`t hesitate to contact us with your questions. We're here to answer them and serve your specific needs whether you're a valued customer, a potential one, or if you simply need advice.

To find out more information about these special programs we have available, you may call us at 1-888-234-7826 or email

Retirement Insurance
Americans are living longer and spending more time in retirement. In fact, the average American will be retired for 18 years. Your retirement savings is probably the largest amount of money you will ever need to accumulate. How will you do it?

Annuities are a safe, risk-free way to plan for a comfortable retirement. You do so, on a tax-deferred basis. The money is protected, and you can get a guarantee that you’ll never outlive the income you receive from the annuity.

We also offer new products that guarantee

  • 100% of the money put into your account is protected
  • 100% of any gains made on your money are protected---NO MORE MARKET LOSSES!
  • your money will grow tax deferred
  • there are no account fees (like those charged in investments such as mutual funds)
  • you can make penalty-free withdrawals from your account (up to 10% per year in most cases)

These special annuities use various safe methods of participating in the stock market. The money placed into the account---plus any gains that have been applied to the account---are completely protected from market losses! You owe it to yourself to get the facts on an annuity that can both grow and preserve your "nest egg".

To find out more information, contact us today.
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DISCLAIMER: Any quote generated from this website is an estimated figure and should be used for comparison purposes only. For the most current plan information including premium amount(s), please contact a representative toll-free at 1-888-234-7826.

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Toll Free: 888.234.7826
Office: 888.234.7826
Cell: 973.303.5455
Agency Hours:
Weekdays: 9:00am - 7:00pm
Weekends: By appointment