Health and Wellness for Seniors
“This is the best kept secret in health and wellness for those over the age of 65”
This is what we like to call, a buffet of products, in which you can pick and choose which services are right for you, and add them to a comprehensive plan.
In an ongoing effort to find effective and beneficial products and companies, we were able to source one such company in Western Canada with great customer service that is able to offer someone who is 65 years or older with health benefits that are most important to them. This means that each person can pick and choose from the buffet of choices, and add it to a plan. Most individual plans on the market today are pre-packaged. This program allows for choice and options.
Top 5 Questions
Losing my group benefits. What can I do?
There are products on the market that allow you to transition over to an individual health care product or plan without any medical evidence within 60 days of losing group benefits. These plans might not be exactly what you had but we have access to the best ones on the market.
I have a policy with smoker rates. How can I change?
If you have stopped smoking for at least one year, it is possible to have the insurance company change your rate from smoker to non-smoker. Also, as of recently, marijuana smokers (no tobacco) can now qualify as non-smokers. Ask for details.
Which plan is right for me?
Part of the Flomen philosophy is that we consider and analyze at your situation and we conduct a search in the market to see what is right for you. We then educate you on which plan makes sense for your needs both today and in future.
Can I add to my existing policy?
Under most circumstances, the answer is no. If you have guaranteed insurance options, we can discuss further details. Many life insurance policies have various options to be able to convert, renew or purchase more insurance later on in life without medical underwriting. We like to educate our clients to serve them best now AND in future. We also keep you apprised of when these options are coming up. We believe in follow up and constant engagement with all clients.
Can ratings be changed?
Insurance companies will always be receptive to changing a rating under most circumstances however, there are many factors that we have to look at and consider. Health might get better than when originally purchased, and as such, we can always go back and ask for rating changes. There is certainly no downside to trying to change your rating.