Comprehensive Senior Citizen Health Insurance Plans

Don't Leave Your Life
to Chance!

Life insurance, Annuities and Specialty Insurance Products
can minimize your risk and provide relief for your family in times of financial difficulty.

Plan ahead and be ready for those life-changing moments that impact you and your family financially.

Let us design the life insurance plan annuity strategy or insurance package to fit your lifestyle needs.

Or provide a future for small children to elderly parents.

Know Your Medicare Drug Plan Before You Buy

Maximize your purchasing power! We can help you sort through the various Medicare Drug Plans (Medicare Part D) available to you.

Variations in drug coverage & Medicare Part D premium cost as well as penalties for late enrollment encourage you to consider your options carefully before age 65.

Our specialty is fine-tuning your medicare plans to work together for maximum medical coverage!

Medicare Supplement Plans Can Save You

Medicare Supplement Plans are great money savers if you choose wisely. Let us help you find the best coverage for the best prices to avoid medicare insurance coverage gaps in your health insurance.

Avoid the unpleasant surprise when you need to use your medicare insurance and find out you don't have the comprehensive medicare health coverage you thought you had.

We specialize in reading the fine print so you don't have

We Insure Smokers

If you use tobacco, we are your insurance agent!

We know the insurance companies who issue the best smoker insurance policies.

We can do a personal search
to get the best insurance rate possible for your particular tobacco use habits.

Richard Gazda Insurance can
find your smokers insurance policy.

Transfer Your Wealth Well

Don't leave your money to the tax man!

Ignoring the tax implications or choosing products solely based on tax deferral strategies may end up costing your heirs more in the end.

With our wealth transfer insurance product, you can minimize taxes and pass on
a greater inheritance to your beneficiaries.

Our wealth transfer policies don't require you to have a medical exam or answer medical questions on the insurance application.

Let your family keep more of their inheritance and tell the tax man, "hands off!"

Take Care of Final Expenses or Critical Illness Concerns

Make sure your family has enough to cover final expenses & bills with Final Expense Insurance.

No need for a medical exam to purchase this insurance coverage.

Face a medical crisis a little easier. Our Critical Illness Insurance Policy can pay your mortgage or lost wages and more if you have a critical condition as defined in the insurance policy.

Assisted Living Options

We can help you choose among the various community settings and variety of facilities available for assisted living as well as the vast menu of services offered.

We even offer long term care insurance policies that assist you in your own home with activities of daily living or select care in a host of other environments.

Contact us at Richard Gazda Insurance to discover all the options open to you in the assisted living world!