Enjoy “Life's Moments.”
Make Medicare, Medicare Advantage, Annuities and Life Insurance work for you!
“Life's Moments.”
Make Medicare, Medicare Advantage, Annuities and Life Insurance work for you!
Make Medicare, Annuities and Life Insurance work for you!
About Frank Miko
Enjoy more of your life's moments!
I get it, there are much more interesting things in life than selecting the right Medicare, Medicare Advantage, Life Insurance or Annuities.
That's why I'm here!
I help my clients get their plans right for their lives. Knowing your plans are all set for your current circumstances frees you up and gives you the peace of mind you deserve during retirement.
I personally present local education events (In and around Wilmington, NC) in the community to help our neighbors understand their options when it comes time to plan for retirement. Contact me anytime for more information.
Franklin Insurance Group Services
Medicare &
Medicare Advantage
Simply put -
The best Medicare and Medicare Advantage plans available to you. Plus the understanding to help you get the right plan for your life's circumstances.
Life Insurance
Choosing the right life insurance policy can be a daunting task. We can help you understand the different types of policies available and which one best suits your needs.
Annuities
Lifetime Income
Whether you're looking to bolster your retirement income or ensure you have income for your retirement years an annuity may be a wise choice for you.
Medicare Main Benefits
You can go to any doctor or hospital that takes Medicare, anywhere in the U.S.
In most cases you don't need a referral to see a specialist. Here's more information to help compare original medicare & medicare advantage.
Coinsurance
Medigap
You can choose to buy Medigap to help pay your remaining out-of-pocket costs (like your 20% coinsurance). Or, you can use coverage from a former employer or union, or Medicaid.
Original Medicare
Original Medicare covers most medically necessary services and supplies in hospitals, doctors’ offices, and other health care facilities. Original Medicare doesn’t cover some benefits like eye exams, most dental care, and routine exams.
Medicare Advantage Main Benefits
In many cases, you can only use doctors and other providers who are in the plan’s network and service area (for non-emergency care).
You may need to get a referral to see a specialist.
Premium Coverage
Most plans include Medicare drug coverage (Part D).
Extra Benefits
Plans must cover all medically necessary services that Original Medicare covers. Plans may also offer some extra benefits that Original Medicare doesn't cover - like certain vision, hearing, and dental services.
Drug Coverage
Medicare drug coverage (Part D) is included in most plans. In most types of Medicare Advantage Plans, you can't join a separate Medicare drug plan.
Life Insurance Living Benefits & Death Benefits
Both permanent and term life insurance have riders, i.e., optional benefits that can be added, allowing you to access benefits while you are still alive, but only in limited situations.
However, permanent insurance also provides cash value that can help build family wealth with tax advantages.
Permanent Insurance
Policy Holder Decides
If you’re one of four beneficiaries, that doesn’t automatically mean you’ll get one quarter of the death benefits. The policyholder can allocate different percentages to different beneficiaries.
Optional Benefits
Both permanent and term life insurance have riders, i.e., optional benefits that can be added, allowing you to access benefits while you are still alive, but only in limited situations.
Lifetime Income Annuity
A lifetime income annuity, which may also be known as a traditional annuity, can act as your personal pension by providing a guaranteed income stream for as long as you live.
Guaranteed Income
Zero Stress
Your payout is locked in—regardless of what the market or interest rates do. Generating some of your income from annuities can also help you create a diversified portfolio of income sources, so you’re not overly reliant on one single source of retirement income.
Enjoy Your Money
By locking in a certain level of income, an annuity may help give you permission to enjoy the money you worked so hard to accumulate. What you spend today won’t jeopardize your income 20 years from now, so you can go ahead and live those years to their fullest potential.