Welcome
Our company is founded on the premise that every customer has individual needs and should be treated with great care. To that end, our Representatives have been affiliated with some of the most respected publicly visible companies in the country. Over the years, our personnel have provided Insurance advisory and customer service to thousands of policy owners.

Selecting the Product that Meets Your Needs
Seniors are consistently faced with changing legislation, coverage requirements and determining coverage needs. Understanding these requirements coupled with a number of plans offered, creates a daunting task. Today, selecting a plan requires hours of research and managing a delicate balancing between coverage and cost.

We Can Help
Vantage Assurance Group is an independent Health Care and Life Insurance advisory company. We specialize in offering a broad range of Health Care, Life Insurance and Annuity products. Our role is to assist you with your insurance objectives, offer products that meet your needs and if necessary direct you to government agencies for information.

Coverage, Affordability and Portability
We offer a number of Health Care coverage options. Each plan is selected based on your needs and three primary concerns; coverage, budgetary consideration and lifestyle, then and only then are the insurance carriers and products presented.

Medicare Supplement Products
Medicare coverage is broken down into two parts. Part A, represents hospital coverage and Part B, represents medical coverage, such as out patient doctor services. Supplemental coverage for hospitalization after the 61st day and other related charges through 90th day and all related charges are not paid by Part B. Seniors should consider participating in Part B, Advantage Plans (HMOs where you must select a primary care provider) or Medicare Supplement products. All Medicare Supplement products are subject to policy conditions identified in the contract and provide coverage beyond the limits of Part B.

Medicare Parts and Plans
Seniors should evaluate coverage options carefully during all enrollment periods. During these periods, you will be required to make plan selections. Enrollees should remember that Medicare was not designed to cover all medical expenses. Making an informed decision is important. Basically, Medicare is broken down into four major parts.

• Part A, represents hospital coverage, mainly consisting of the hospital stay, room, meals, supplies and other hospital services. A semiprivate room in a skilled nursing facility, limited home health care, hospice health care for the terminally ill and blood.
  
  
• Part B, represents medical coverage, such as, doctor’s services, outpatient services, other services not covered by Part A and limited home health care.
  
  
• Advantage Plans are provided by insurance companies. Except for emergencies, hospital, medical services and with some plans prescription drugs, services are provided through the Advantage Plan Network.
  
  • Note: Applicants must be enrolled in both Parts A and B to apply
    
    
• Part D, represents a stand alone Prescription Drug Plan, (PDP) or an Advantage Prescription Drug Plan, (APDP) with an additional cost or embedded in the premium cost of Part B. Both are provided by insurance companies.
  
  • Note: Applicants must be enrolled in Medicare Parts A or B, or both A and B to apply
    
    
• Medigap Plans or Medicare Supplement Plans, generally Plans A through L are designed to fill gaps in Medicare Parts A and B. These gaps consist of deductibles, co-payment, co-insurance requirements and other coverage limitations not paid by Medicare.
  
  • Note: Applicants must be enrolled in both Part A and B to apply
    
    
• Enrollment Periods vary depending age, time of the year, date in which you receive Part B and whether you have moved out of your Advantage service area or left a group health plan provided by your employer.
  
  • Note: Rules for enrollment are extremely important and represent very specific time periods. Other rules consist of plan acceptance, underwriting requirements and in some cases penalties if enrollees do not apply within certain time periods
    
    

Long Term Care Products – Long Term Care is provided in a nursing home and is not covered by Medicare nor by most Medicare Supplement polices. Long Term Care coverage is purchased as a separate policy with limited coverage provided under other insurance forms, such as, Universal Life Insurance and Annuities.

Information about Life Insurance and Annuities

Annuities Products – Annuities are designed to provide lifetime income. Coverage is designed to supplement the policy-owner’s monthly income. Annuities have a number of policy forms such as:

• Immediate, is paid with a single premium payment, payment to the annuitant starts when the contract is issued, generally within 30 days.
• Single Premium Deferred Annuity is paid with a lump sum, principal grows on a tax deferred basis.
• Single Premium and Periodic Payment Annuity, is purchased with a lump sum and/or periodical payments.

Individuals should view annuities as a long term purchase with horizons of ten or more years. With the exception of immediate Annuities, all other policy forms are subject to early withdrawal penalties and possible loss of principal.

Joint Survivorship – Joint Survivor or Second to Die forms of coverage are primarily used for estate preservation and only pays benefits when the second insured dies. Proceeds are then applied to the estate to cover legal fees and other tax obligations.

Whole Life – Insurance coverage provides protection for the life of the policy-owner and does not have to be converted or renewed. These policies generally endow at age 99, represent a paid-up policy or can be surrendered for the cash value in the policy. Whole Life policies do not aggressively build cash value in the account. Also, most policies require the policy-owner to pay premiums for the life of the contract.

No Obligation to Buy and a Thirty Day Free Look to Review Your Policy
There is no obligation to take out the insurance coverage even after your medical examination. After the policy is issued you will have a 30 day period in which to return the policy and receive a full refund.

Applicants may be subject to field underwriting by the representative and the insurance company. Applicants with pre-existing conditions could be subject to additional underwriting, rated premiums, exclusions, waiting periods and or declined from coverage by the insurance carrier.

Insurance Products are offered through Vantage Assurance Group DBA Venue
Insurance Agency a California Licensed Insurance Agency Number 0C17317
Insurancevenue.com is the Registered Domain for Vantage Assurance Group

Put the Power of Independence to Work for You
Call 800-393-3838 or e-mail wecanhelp@insurancevenue.com today for an initial consultation without obligation.