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Our Services

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Medicare Insurance

Turning 65? New to Medicare? Or a Seasoned Medicare Beneficiary looking to switch plans? You don’t have to figure out Medicare alone.
I’ll guide you on how and when to enroll in Original Medicare and a prescription drug plan. Together, we’ll avoid coverage gaps and late enrollment penalties.
There’s no cost to work with me – I’m compensated by the insurance carriers, not by you. My goal is to keep your health insurance costs as low as possible.
We’ll discuss the differences between Medicare Supplements and Medicare Advantage plans. Let’s narrow in on the policies that will serve you best.
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Cancer Insurance

Support for a cancer patient can include practical help like rides to appointments, emotional support through listening and encouraging them to connect with others, and assistance with navigating complex medical and financial issues. Patient navigators can also provide guidance, and resources like support groups can offer a sense of community and shared experience. Cancer insurance is a type of supplemental health insurance that pays cash benefits specifically for various cancer diagnoses and treatments. It is designed to help cover out-of-pocket medical and non-medical expenses that a primary health insurance plan may not fully cover. 

 
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Hospital Indemnity

Hospital indemnity is a type of supplemental insurance that pays cash benefits directly to you after a covered hospital stay, regardless of what your primary medical insurance covers. These benefits can be used for anything, including deductibles, co-pays, prescriptions, and other expenses like transportation, groceries, or rent. The plan works by making fixed cash payments to you based on factors like the number of days you are hospitalized. 
 
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Life Insurance

It's never too early (or too late) to get life insurance. Our life insurance policies will have you covered so you can plan to enjoy every moment with peace of mind. Our coverage options include:
 
Whole Life Insurance - Enjoy peace of mind with full coverage that grows in cash value.
 
Term Life Insurance - A cost-effective alternative to Whole Life Insurance that covers you for a specified amount of time.
 
Variable Life Insurance - A form of Whole Life Insurance that offers both a death benefit and an investment component.

Contact Charles Smith Insurance today to speak to an agent and learn more about our different life insurance and coverage options.
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Speak to an Agent.

Contact us today to make an appointment.
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