www.rolandinsurancegroup.com

Medicare
Medicare is a health insurance program for people age 65 or older and certain younger people with disabilities. The options for Medicare may be confusing, but you need to understand them to make the best decision for yourself. Simply having Medicare alone will not cover all of your medical expenses.

Medicare Options we offer are:
     • Supplements • Advantage Plans • Part D Prescription Plans

Long Term Care
This is insurance that helps you pay for long term care services, such as home care, nursing home or assisted living facility. Most Health and Medicare insurance plans don't cover Long Term Care. Proper planning can eliminate any major financial burdens thus protecting your family.

Final Expense
Insurance policies for those who would like to make sure their funeral and burial costs are covered. This helps alleviate some of the stress of planning and paying for final arrangements.

We represent the following companies:
     • AARP • Secure Horizons • Unison Advantage
     • Coventry • Mutual of Omaha • Monumental Life

Annuities
What is an Annuity and Why are they so Important? An annuity is a secure investment that can guarantee income for your retirement. With the future of Social Security in question and company pensions quickly becoming a thing of the past, retirement is no longer as certain as it once was. Without the right investment vehicle, you may outlive your savings or suffer a lower quality of life to make ends meet or burden your family financially.
Some Benefits of an Annuity:
     • Safety of Premium
     • Tax Deferred Growth - * (consult your tax advisor)
     • Better Interest
     • Job Loss - move your 401K from your former employer because
        they are no longer matching
        contributions and you are paying additional fees that are
       “downsizing” your nest egg.

Contact us for a FREE retirement analysis. Our team of highly skilled agents will work with you to develop a plan that fits your individual needs and retirement income goals.

Testimonials

"I was quite relieved when Roland helped me make sense out of the mountain of Medicare Booklets I received."

"I highly recommend the Roland Insurance Group. Roland Kljunich was very professional and a pleasure to work with."
~ Robert (McKean, PA)

" I just wanted to say
that I so appreciated your help in transitioning my husband and I into medicare. You made a complicated process
so much easier. Thank you for what you do. "
~Nancy (Erie,PA)