Individual Benefits 2018-05-11T04:30:37+00:00

Individual Benefits

No matter where you are in your consideration of, or shopping for life insurance or other individual insurance, you’ve arrived at the right place.

Health and Wealth Advocates serves the Greater Washington DC area. Michael Burns and his staff are perfectly suited to help you make the right choices.

Our clients start looking at Life Insurance for many different reasons but the two most common are as a part of retirement and estate planning or for the protection of loved ones in the case of the death of the insured.

Below, we’ll cover a broad overview of Individual Benefits. These are coverages that you may bring into your portfolio at different times in your life. We will not make suggestions on actual coverage amounts because we do not yet know your individual situation.

Each person is different. There are a variety of factors that go into the decision of types and amounts of benefits needed. Feel free to read but don’t leave the site without first setting up a time for a personalized one-on-one consultation with me, Michael Burns. I would be delighted to get to know you and your family and make recommendations or, at least, offer you a second opinion just so you can feel 100% sure you’re covered, no matter what life throws your way!

Following are our area’s of expertise:

  • Life Insurance
  • Annuities
  • Retirement Planning
  • Disability
  • Long-Term Care and,
  • Medicare Supplement Programs

We like to meet with our new potential clients one-one-one so we can explore your needs in depth before ever making any recommendations. We consider you’re overall situations especially as it relates to the plans you may or may not have in place to protect your family in the case of the loss of income. As well, we look at your readiness for retirement, for covering growing healthcare costs and living expenses while being careful to consider the fact we’re living much longer and there’s the potential of outliving your money. Recent survey’s show that over 1/2 of US households have miscalculated what it will take to carry your lifestyle on into your golden years when you’ll need your money the most.

We will not attempt to fully explain all of your options here on a webpage, that’s what the one-on-one, personalized appointment are for. However, we’d like you to leave your visit knowing no matter what your Individual Benefits Needs, we have you covered.

Life Insurance and Retirement Planning

Life Insurance comes in many different forms and there are many things you’ll want to know and consider before making your choice.

As a young to middle-age man or woman, Life Insurance (and Disability) can be a safety-net in the case of an untimely death. This becomes a more crucial matter when children enter the picture.

On the other hand, there are special Life Insurance products that can provide you peace of mind both in the short-term and for the long-haul. Take for example, an Index Universal Life policy. This unique offering can give you that safety net you’re looking for while offering the unique advantage of providing a paycheck for life once you retire. Those checks come to you without being taxed at that time which is an added benefit when every dollar counts.

These are just a few of the areas we’ll discuss during your visit to our office. We’ll provide you with the tools to accurately estimate how much coverage is just right for you and your family and during our regular “Policy Reviews” we can always adjust as circumstances change.


When considering a Retirement plan, it would be wrong to have the conversation without at least considering the need for an annuity. Much like Life Insurance, Annuities come in different shapes and sizes, and there really is no one-size-fits-all.

Taking everything into consideration, we can offer Annuities that will provide you that paycheck for life once you retire while some can offer the benefit of protecting you against the volitlity of the Market. When the Index is up, you’re up…. If it dips below zero, you are protected against ever falling into the negative which, over the long-term, can make a tremendous difference in the amount of your hard-earned money you get to keep.

Again, we’re not making any suggestions here because we don’t know your specific situation, but what we can say with 100% confidence is that when you come to visit us and Health Wealth Associates, you’ll be treated as a unique individual with special needs all your own. Before you leave, please click here to complete a short questionnaire and the schedule a time for your first visit.

Disability Insurance

Disability is another Insurance Product especially of interest to our clients who have a family or are in any situation where others depend on your income. Being in the position of providing for others can be stressful enough but can be overwhelming or even tragic when the unexpected occurs and takes you away from your source of income for any more than a few months. It’s a reality that most households do not have the suggested 3-months of income/expenses in the bank to weather an emergency. And even if you did, what happens in month six or eight.

You have responsibilities and although these “doom and gloom” possibilities are no fun to consider, they are even less fun to face without the right coverage.

Medicare Supplement

No individual plan would be complete without considering the growing cost of healthcare. Even with Medicare, you’re out of pocket can take up your fixed monthly income in a real hurry.

That’s why we now offer Medicare Supplement plans to offset the cost of healthcare that Medicare does not cover. In most case, the cost of these plans is but a fraction of what you could find yourself facing as healthcare costs are rising faster than ever.

Once again, we would be delighted to meet with you one-on-one and design the right plan for you. As we consider your Life Insurance, Annuities and Long-Term Care as integral parts of your retirement plan, we’ll certainly want to take a close look at how a Medical Supplement plan could just the right fit for you and your family.


Get a free quote for quick, accurate and affordable rates for the best individual or group insurance. We are here to serve the Greater Washington DC area so click the button and let us know how we can best serve you.


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