YOUR LIVELIHOOD

Serving Individuals, Families and Retirees

OUR DEVOTION TO YOU

We work on your behalf to search and find the best insurance coverage to fit you and your family's needs by helping you navigate the insurance arena with a personalized experience, education, and guidance at every step of the way. We at AVZ Benefits want to be your speed-dial for every personalized insurance need.

OUR SERVICES TO YOU

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Phone Support

Our teams ensure a positive client experience, quality service, and resolve with each client interaction on the phone.

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Claims Support

Our team and partners work with our clients in navigating the claims process to resolve issues and claims quickly, thoroughly, and hassle-free to secure their benefits.

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Product Education

Our insurance advisors provide live educational seminars & webinars to interested audiences on topics and product lines like healthcare, group benefits, medicare, taxes, protected income, and social security.

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Virtual Meetings

We care for the safety of others. and our agency services multiple states.
So our advisors use Zoom to conduct virtual seminars and consultations when people can't meet face-to-face.

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Brokerage Advantage

Our brokerage is appointed with several insurance companies and available in many states to serve our clients, not the carriers, by researching and comparing
products in the client's interest that bestfit their needs.

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Free Consultations

Our team of licensed insurance advisors are available and ready to answer questions and concerns so all your needs are addressed with professionalism and hospitality, while making you feel like family.

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Instant Quoting

We want to make it easy for our knowledgeable visitors to shop and compare what and when they want if available. Check out the benefit product categories to learn more.

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Annual Reviews

We care about our clients always, and we understand things change fast. That's why we take the time to annually evaluate what each have with us so everything is still in order according to their needs. Contact is provided by either phone or email.

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Phone Support

Our teams ensure a positive client experience, quality service and resolve with each client interaction on the phone.

fm=f_10170

Claims Support

Our team and partners work with our clients in navigating the claims process to resolve issues and claims quickly, thoroughly, and hassle-free to secure their benefits.

fm=f_24948

Product Education

Our insurance advisors provide live educational seminars & webinars to interested audiences on topics and product lines like healthcare, group benefits, medicare, taxes, protected income, and social security.

fm=f_73373

Virtual Meetings

We care for the safety of others. and our agency services multiple states. So our advisors use Zoom to conduct virtual seminars and consultations when people can't meet face-to-face.

fm=f_3258

Brokerage Advantage

Our brokerage is appointed with several insurance companies and available in many states to serve our clients, not the carriers, by researching and comparing products in the client's interest that bestfit their needs.

fm=f_V5AW8pz

Free Consultations

Our team of licensed insurance advisors are available and ready to answer questions and concerns so all your needs are addressed with professionalism and hospitality, while making you feel like family.

fm=f_lVx4dP4

Instant Quoting

We want to make it easy for our knowledgeable visitors to shop and compare what and when they want if available. Check out the benefit product categories to learn more.

3

Annual Reviews

We care for the safety of others. and our agency services multiple states. So our advisors use Zoom to conduct virtual seminars and consultations when people can't meet face-to-face.

PRODUCT LINES

We support you and your family by facilitating the education, guidance, and experience to empower you with coverage solutions that best fit and protect your personal and financial needs in life. Navigate through product sectors below to learn about the insurance coverage lines we excel at providing knowledge with a personalized experience.

HEALTH INSURANCE

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Marketplace Plans

ACA-compliant health insurance plans that provide qualifying people and families with subsidies ("tax credits") by lowering premiums and medical costs. Subsidies are based on household income and demographics. Marketplace plans waive pre-existing conditions

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Short-Term Medical Plans

STM plans give folks the flexibility to get the coverage they need, with the options they want, for the time that best suits them for the everyday and the unexpected. Coverage can last as short as a month or up to 3 years, depending on state. STMs save on healthcare, wellness, and wallets. Pre-existing conditions have exclusions and limitations.

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Minimum Essential Coverage

MEC plans provide affordable coverage that meet the requirements under the ACA. They have a list of covered services for adults and children to meet the everyday medical costs, like dr visits, x-rays, labs, urgent care, ER, etc. Some inpatient/outpatient services not included. Pre-existing conditions have exclusions and limitations.

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Catastrophic Plans

Catastrophic plans give folks peace of mind from "what if' major medical events that put one in the hospital or surgery table with high costs. These plans help with that. Common preventive services are not included. Pre-existing conditions have exclusions and limitations.

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Telemedicine

Use board-certified physicians who can diagnose, treat and prescribe medication to you for many health-related issues over the phone and through a secure internet connection or application, 24/7/365. Some cover the family with no co-pays at a low annual rate. Save time and money from common medical issues.

ACA-compliant health insurance plans that provide qualifying people and families with subsidies ("tax credits") by lowering premiums and medical costs. Subsidies are based on household income and demographics. Marketplace plans waive pre-existing conditions

STM plans give folks the flexibility to get the coverage they need, with the options they want, for the time that best suits them for the everyday and the unexpected. Coverage can last as short as a month or up to 3 years, depending on state. STMs save on healthcare, wellness, and wallets. Pre-existing conditions have exclusions and limitations.

MEC plans provide affordable coverage that meet the requirements under the ACA. They have a list of covered services for adults and children to meet the everyday medical costs, like dr visits, x-rays, labs, urgent care, ER, etc. Some inpatient/outpatient services not included. Pre-existing conditions have exclusions and limitations.

We care for the safety of others. and our agency services multiple states. So our advisors use Zoom to conduct virtual seminars and consultations when people can't meet face-to-face.

Use board-certified physicians who can diagnose, treat and prescribe medication to you for many health-related issues over the phone and through a secure internet connection or application, 24/7/365. Some cover the family with no co-pays at a low annual rate. Save time and money from common medical issues.

MEDICARE INSURANCE

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Advantage Plans

These "Medicare Part C" plans are underwritten by private health insurance companies that provide eligible folks with "equal or better" plans than Original Medicare Parts A & B, by offering benefits like vision, dental, and more. They
consist of networks, co-pays and deductibles. Most plans have $0 monthly premiums and cover prescriptions - all in one plan.

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Supplemental Plans

"Medigap" are underwritten private plans that are designed to cover the 20% of medical expenses Medicare Parts A & B do not cover. For a monthly premium, a U.S. citizen turning 65, or eligibly disabled, can get a "gap" plan. No networks, co-pays or deductibles. However, a stand-alone prescription plan with a minimal monthly premium may be necessary.

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Prescription Plans

"Part D" plans are stand-alone prescription drug plans or part of an Advantage plan from private insurance companies in Medicare. They are an optional plan with a monthly premium. Some have deductibles with co-pay tiers. Just don't go 63 straight days without creditable prescription drug coverage, or there may be a late-enrollment penalty when enrolling.

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Special Needs Plans

An "SNP" plan is a Medicare Advantage (MA) plan specifically designed to provide targeted care to special needs individuals that are either institutionalized (1-SNP), dual eligible (D-SNP), or with a severe or disabling chronic condition (C-SNP), as specified by CMS.

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Medicaid

Medicaid is a federal and state insurance program for people of all ages with limited income and resources to pay for medical costs. It also offers benefits to cover nursing home care and personal home care, which is not normally covered by Medicare. There are certain eligibility requirements to qualify.

These "Medicare Part C" plans are underwritten by private health insurance companies that provide eligible folks with "equal or better" plans than Original Medicare Parts A & B, by offering benefits like vision, dental, and more. They
consist of networks, co-pays and deductibles. Most plans have $0 monthly premiums and cover prescriptions - all in one plan.

"Medigap" are underwritten private plans that are designed to cover the 20% of medical expenses Medicare Parts A & B do not cover. For a monthly premium, a U.S. citizen turning 65, or eligibly disabled, can get a "gap" plan. No networks, co-pays or deductibles. However, a stand-alone prescription plan with a minimal monthly premium may be necessary.

"Part D" plans are stand-alone prescription drug plans or part of an Advantage plan from private insurance companies in Medicare. They are an optional plan with a monthly premium. Some have deductibles with co-pay tiers. Just don't go 63 straight days without creditable prescription drug coverage, or there may be a late-enrollment penalty when enrolling.

An "SNP" plan is a Medicare Advantage (MA) plan specifically designed to provide targeted care to special needs individuals that are either institutionalized (1-SNP), dual eligible (D-SNP), or with a severe or disabling chronic condition (C-SNP), as specified by CMS.

Medicaid is a federal and state insurance program for people of all ages with limited income and resources to pay for medical costs. It also offers benefits to cover nursing home care and personal home care, which is not normally covered by Medicare. There are certain eligibility requirements to qualify.

DISABILITY INSURANCE

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Short-Term Disability

”STD" insurance replaces a percentage of your income for a short period of time in the event you experience a disability - sickness or injury. The benefit period usually lasts 3 to 6 months, or as long as 24 months with up to 70% of gross income coverage, depending on the state.

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Long-Term Disability

"LTD" insurance replaces a percentage of your income for a long period of time, after a waiting period, in the event you experience a disability, such as a sickness or injury. Waiting periods can last from 90 days to 360 days depending design. The benefit period usually lasts years, up to age 65 or 67 with up to 70% of gross income coverage, depending on the state.

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Long-Term Care

"LTC" insurance is developed to specifically cover costs of nursing homes, assisted living, home health care and other services to assist members with daily living activities, that are not covered by traditional Healthcare or Medicare. LTC costs are based on your age when you buy it, max amounts per day, max days of policy, and options like benefits that increase with inflation.

These "Medicare Part C" plans are underwritten by private health insurance companies that provide eligible folks with "equal or better" plans than Original Medicare Parts A & B, by offering benefits like vision, dental, and more. They
consist of networks, co-pays and deductibles. Most plans have $0 monthly premiums and cover prescriptions - all in one plan.

"Medigap" are underwritten private plans that are designed to cover the 20% of medical expenses Medicare Parts A & B do not cover. For a monthly premium, a U.S. citizen turning 65, or eligibly disabled, can get a "gap" plan. No networks, co-pays or deductibles. However, a stand-alone prescription plan with a minimal monthly premium may be necessary.

Medicaid is a federal and state insurance program for people of all ages with limited income and resources to pay for medical costs. It also offers benefits to cover nursing home care and personal home care, which is not normally covered by Medicare. There are certain eligibility requirements to qualify.

ANCILLARY & INDEMNITY INSURANCE

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Dental Plans

Dental insurance offers you and your family coverage for common dental care issues and helps budget for dental services at all levels - preventive, basic, and major. Learn differences between a DHMO and DPPO plans, coverage, co-pays, networks, etc. Get Quotes too.

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Vision Plans

Vision insurance are low monthly premium plans that help reduce out-of-pocket costs for eye care. This typically includes routine eye exams, allowances for prescription glasses and contacts and other vision discounts for all ages, and huge national networks of vision & eyewear providers.

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Accident Plans

"AP" cover you & your family from out-of-pocket medical costs that incur after an accident, on or off the job, regardless of healthcare coverage. These benefits are paid directly to you to help pay expenses like ER visits, hospital stays, MRIs, surgeries, follow-ups, PT, lodging, etc. They also may help pay daily living expenses.

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Hospital Plans

"HP" cover you & your family from out-of-pocket medical costs that incur after an illness or injury, on or off the job, in-lieu of healthcare coverage. These benefits are paid directly to you to help pay expenses like ER visits, hospital stays, MRIs, surgeries, follow-ups, etc. They also may help pay your daily living expenses.

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Cancer Plans

"CP" pay a cash benefit directly to you upon the diagnosis of cancer. Some pay a lump sum cash benefit upon diagnosis; others will continue to pay over the course of treatment. They help pay out-of-pocket medical costs and other cancer-related expenses to help manage any daily living expenses - mortgage, car, food, cable, etc.

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Critical Illness Plans

"CIP" pay a cash benefit directly to you upon the diagnosis of heart attack, stroke, or other covered critical illness. Some pay a lump sum cash benefit upon diagnosis; others will continue to pay over the course of treatment. They help pay out-of-pocket medical costs and any daily living expenses you have - mortgage, car, food, cable, etc.

ACA-compliant health insurance plans that provide qualifying people and families with subsidies ("tax credits") by lowering premiums and medical costs. Subsidies are based on household income and demographics. Marketplace plans waive pre-existing conditions

Vision insurance are low monthly premium plans that help reduce out-of-pocket costs for eye care. This typically includes routine eye exams, allowances for prescription glasses and contacts and other vision discounts for all ages, and huge national networks of vision & eyewear providers.

"AP" cover you & your family from out-of-pocket medical costs that incur after an accident, on or off the job, regardless of healthcare coverage. These benefits are paid directly to you to help pay expenses like ER visits, hospital stays, MRIs, surgeries, follow-ups, PT, lodging, etc. They also may help pay daily living expenses.

"HP" cover you & your family from out-of-pocket medical costs that incur after an illness or injury, on or off the job, in-lieu of healthcare coverage. These benefits are paid directly to you to help pay expenses like ER visits, hospital stays, MRIs, surgeries, follow-ups, etc. They also may help pay your daily living expenses.

"CP" pay a cash benefit directly to you upon the diagnosis of cancer. Some pay a lump sum cash benefit upon diagnosis; others will continue to pay over the course of treatment. They help pay out-of-pocket medical costs and other cancer-related expenses to help manage any daily living expenses - mortgage, car, food, cable, etc.

"CIP" pay a cash benefit directly to you upon the diagnosis of heart attack, stroke, or other covered critical illness. Some pay a lump sum cash benefit upon diagnosis; others will continue to pay over the course of treatment. They help pay out-of-pocket medical costs and any daily living expenses you have - mortgage, car, food, cable, etc.

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Term Life Insurance

A term life policy is one with a set duration limit on the coverage period. Once the policy is expired, it is up to you to decide whether to renew the policy
or let the coverage end. As the name implies, these are good for a specific period of time; that can be one year, 10 yrs, 20yrs or even 30yrs.

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Final Expense Insurance

Final Expense is a life insurance product used to cover expenses associated with the death of the insured. It helps with the financial burden placed on families by covering the costs of funeral services (burial or cremation), medical, legal, immediate household expenses, etc.

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Whole Life Insurance

Whole life insurance refers to a policy that provides lifetime protection by paying a lump sum death benefit. Whole life policies differ from term insurance in that they have a savings component with earnings accruing, referred to as cash value. In essence, whole life policies combine life coverage with an investment fund.

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Universal Life Insurance

Universal Life is a type of permanent insurance that combines term insurance with a money market-type investment that pays a market rate of return. Unlike whole life, universal life allows the cash value of investments to grow at a variable rate that is adjusted monthly. Oftentimes, the death benefit, savings element and premiums can be altered as your circumstances change.

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Annuities

An annuity is a contract between you and an insurance company to cover specific goals, such as principal protection, lifetime income, or legacy planning by transferring risk from the owner to the insurance company. Premiums are paid either lump sum or in series of payments, depending on the type of annuity. They come with obligations and various growth strategies to meet your long-term goals.

A term life policy is one with a set duration limit on the coverage period. Once the policy is expired, it is up to you to decide whether to renew the policy or let the coverage end. As the name implies, these are good for a specific period of time; that can be one year, 10 yrs, 20yrs or even 30yrs.

Final Expense is a life insurance product used to cover expenses associated with the death of the insured. It helps with the financial burden placed on families by covering the costs of funeral services (burial or cremation), medical, legal, immediate household expenses, etc.

Whole life insurance refers to a policy that provides lifetime protection by paying a lump sum death benefit. Whole life policies differ from term insurance in that they have a savings component with earnings accruing, referred to as cash value. In essence, whole life policies combine life coverage with an investment fund.

Universal Life is a type of permanent insurance that combines term insurance with a money market-type investment that pays a market rate of return. Unlike whole life, universal life allows the cash value of investments to grow at a variable rate that is adjusted monthly. Oftentimes, the death benefit, savings element and premiums can be altered as your circumstances change.

An annuity is a contract between you and an insurance company to cover specific goals, such as principal protection, lifetime income, or legacy planning by transferring risk from the owner to the insurance company. Premiums are paid either lump sum or in series of payments, depending on the type of annuity. They come with obligations and various growth strategies to meet your long-term goals.

PARTNERED CARRIERS