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Call us for your commercial insurance needs we can write: HVHC service and installation Carpentry door and window / installation Drywall installation, sidewalk paving interior Electrical fence erection Floor installation Janitorial services Landscape and lawn care Masonry Painting Contractors plumbing Septic tank system installation and service Sheet metal work Siding installation Tile stone and marble…

Most people I meet don’t have enough life insurance and they are surprised at how affordable coverage can be. I work with many A rated companies and shop to find the best coverage options to protect your loved ones and to save you money. Generally speaking; Life insurance cost less when you are young and…

“Most people I meet don’t have enough life insurance and they are surprised at how affordable coverage can be. I work with many A rated companies and shop to find the best coverage options to protect your loved ones and to save you money”. -Jeff Goodman, owner/ William J Goodman, Ltd Homewood, IL Generally speaking;…

Annual Election Period aka AEP for Medicare Advantage Prescription Drug (MAPD) members and Part D Prescription Drug Plan (PDP) members is a time period to switch plans for the following calendar year. Annual Election Period starts October 15th and ends on December 7th. MAPD and PDP plans typically changes from year to year. Members are…

Medicare Part D is the part of Medicare that covers prescription drugs. How Does Part D Work? Part D is administered by private insurance companies that contract with Medicare. Plans are required to be as good as or better than the model set by Medicare however they can and usually provide coverage that is better…

What is Garage Liability Insurance and what does it cover? Carport responsibility insurance covers Bodily Injury and or Property Damage arising out of Garage operations and protects the businesses from losses arising out of their garage operations. What type of Business needs Garage Liability? This is for Body Shops, Auto Service and Repair shops, Tow-Truck…

Effective January 1, 2022 Illinois implemented a Birthday Rule for Medicare Supplement policyholders. This allows individual between ages 65-75 who have an existing Medicare Supplement (aka Medigap) policy to change their Medicare Supplement plan. This new rule allows the change without having to answer medical questions (aka medical underwriting). Policyholders have a 45 day enrollment…

Seniors who saved using the Insulin Savings Program

What is the Insulin Savings Program? a.k.a. Part D Senior Savings Model? Effective January 1, 2021, the part D Senior Savings Model a.k.a. Insulin Savings Program allows participating Part D plans to offer insulins at a $35 co-pay for one month supply of Insulin through all phases of coverage (Deductible, Initial Coverage, and Coverage Gap…

Did you know Medicare Supplement/ aka Medigap policies are standardized and you can start a policy anytime of the year? Some companies will require you answer health questions, and you may or may not be approved. But currently there is one that does not require underwriting as long as you are 65 or older. Individuals with Medicare…

We have an Excellent GUARANTEE ISSUE WHOLE LIFE product Issue Ages 50-85 NO Exam / NO Medical Questions Issue Amounts: $3,000 to $25,000 Level Guaranteed Premiums / A Rated by AM Best What is Guaranteed Issue Whole Life Insurance? Life insurance you can get regardless of your health How Much Does Guarantee Issue Whole Life Insurance Cost? Cost depends on…