Walt Merrill - Health and Legacy Coverage
YOU DON'T HAVE A MEDICARE SUPPLEMENT INSURANCE PLAN?  GET SOME ANSWERS TODAY. 
Did you know that:
 
  • Most Medicare Supplement plans have no deductibles or copayments.
 
  • Medicare Supplement plans allow you to keep the doctor you have now!
 
  • Medicare Supplement plans do not require referrals to see a specialist.
 
For a personalized review and tailored coverage, contact Walt Merrill, now.
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Why Life Insurance?
Pundits talk about the economic rebound, but the American public is still cautious—and rightfully so. Uncertainty still bubbles in the job market, the housing market—the economy in general. As a preventative measure, people are spending less and saving more - that’s good news. More Americans are looking out for the financial stability of their families.
 
Saving more is a good start, but it’s not enough. What if you were suddenly gone and your family had to manage on their own? If you have adequate legacy coverage, your family would be OKAY financially.  But if you’re one of the tens of millions of Americans who has little or no coverage, how long would it be before life would become a struggle for your family?  It’s hard enough dealing with the emotional pain of losing a loved one. You don’t want your family’s emotional struggles to be compounded by concerns of finances.
 
To make sure Americans are reminded of the need to include life coverage in their financial plans, the nonprofit LIFE Foundation coordinates Life Insurance Awareness with all families and individuals.  If you find that you have a need for coverage, we strongly urge you to act by contacting your insurance professional, Walt Merrill, who can help you safeguard your family’s financial future.
 
Life Insurance 101 will answer some of your questions, now.  Just go to our "About" page.
 
Life Insurance
Provide your family with the financial security they deserve. Individuals, families, self-employed, and businesses compare rates from many well established competitive life insurance companies. Save now by contacting us for a rate check and application.
 
Now you can contact us for all your Health, Legacy, Long Term Care, Medicare Supplement, General Supplemental and Retirement Planning needs. We can provide you with high-quality service and customer satisfaction.  We will do everything possible to personally satisfy your requirements.
 
We have a variety of programs to choose from that can be personally tailored to please you while fitting your needs.
 
We have added new products to our website, feel free to browse.  You can contact us with your questions, comments or concerns.
 
 
Health Insurance
Protect yourself and your children's health with affordable health coverage. Quotes are now available to compare California health insurance rates & benefits. Contact us now for a quick rate comparison and application.
 
Medicare Supplement
Individuals can shop and save on quality Medicare supplement coverage for seniors 65 & older. Major California health insurance companies are quoted. Friendly and knowledgeable staff assist you comparing & applying for the best medigap plan. Contact us to get more information.
 
New Roth Savings and Conversions
With the new rules and regulations effective January 1, 2010, this will be your opportunity to convert to a ROTH IRA and better plan for your retirement. Call us today to schedule an appointment for this new and exciting way to plan for your retirement.
 
Long Term Care
As Americans continue to live longer, we have a greater chance of eventually needing care.  At least 60% of people over 65 will require some long-term care service at some point in their lives.  Now may be the time to investigate Legacy Coverage with long-term care coverage and be tax smart about long-term care. Contact us today to schedule an appointment for details.
 
Supplemental Coverage
Accident
While we can’t prevent accidents from happening, we can help prepare for those unexpected expenses associated with an accident.  In today’s world, it’s comforting to know that there is help to provide peace of mind backed by people you know and trust.
Cancer Protection
Cancer claims can be very expensive.  Your Major Medical coverage may not cover all of your Cancer related expenses and we know how important it is for every person to have cancer coverage.  Cancer diagnosis does not have to be financially devastating, so we have specific plans to cover your needs.  These plans will provide financial stability to the most cost-conscientious consumers in the event they are diagnosed with cancer.
Dental
Dental insurance is one of the few types of insurance for which a need already exists as part of your health regiment.  Even if you do not see the need for accident or cancer, you will perceive a need for dental insurance.
Hospital Confinement Indemnity
Whether a person is hospitalized for a few days or a few weeks, major medical health insurance typically has a deductible that must be met before benefits begin.  We have products that will pay higher benefits for the first five days of hospitalization each year and provide cash benefits that can help you recoup your deductibles faster, thereby reducing out-of-pocket expenses.   Please call us now to get more details.
Hospital Intensive Care Protection
This policy is a stand-alone product, which is also available as HSA-compatible.  It provides coverage in the event of sickness or injury when the member is admitted to the Hospital Intensive Care Unit.
Cash benefits are provided directly to the policyholders (unless they choose otherwise) to help with expenses related to their health event and as well as out-of-pocket costs such as the car payment or household bills.
Specified Health Event Protection
Specified Health Event Protection insurance policy provides benefits when consumers face a covered health event, such as a stroke, heart attack, or renal failure.  Contact us now for more details.
Personal Sickness Indemnity
This coverage acts as a companion product to capitalize on the popularity of our accident product.  When used together, accident and Personal Sickness provide indemnity benefits for both accidents and sickness. The majority of emergency room visits and hospitalizations are sickness-related.
 
To design any of these policies to fit your specific needs, contact us to schedule a time which is good for you and good for us.
 
AFLAC Policyholders: To file a Claim, please click on one of the forms below.  Contact Walt Merrill for any questions you may have, or assistance you need.   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Contact Walt Merrill prior to submitting your claim form. Call 858-538-2676 or 619-379-7520.  Let's make sure it's correct, the first time
 
We look forward to hearing from you.  Check back for new updates to our website. There's much more to come!
 
Walt Merrill
CA Ins Lic # 0D86951
858-538-2676
619-379-7520
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