We serve clients in Upstate South Carolina and Western North Carolina.
Phone: 864-498-8274
Balkus Insurance Services
Our Services
Supplemental Insurance for Medicare Recipients
Medicare is available when you turn 65. The benefits to Medicare are well-documented. It’s accepted nationwide and comes at a relatively low cost. Medicare Part A is for inpatient or hospital care while Part B is for outpatient medical care. When you combine Parts A and B they cover close to 80% of your basic healthcare costs, but it does leave some gaps in coverage and those could be costly.
Medicare Supplement Insurance policies help with the other 20%. These policies are designed to work with your original Medicare to reduce risk and offer real peace of mind. Even in the event of a costly medical condition, your assets stay well protected.
Balkus Insurance Services will guide you through the options that best fit your lifestyle, your health and your budget. If you have a supplement that has had a monthly premium increase of $10 or more, it may no longer be as competitive as our top ten A-rated carriers. I can easily provide "No Change In Benefits, But Lower Premiums." Call us to learn more or to schedule some time with us.
Link for people turning 65 to begin Medicare benefits:
Dental/Vision/Hearing & Prescription Drug Benefits
In addition to your Medicare benefits, we can help you locate great add-ons that will cover your teeth, your eyesight, your hearing and reduce your prescription drug costs. Our customers deserve to have all aspects of their health concerns covered. We can walk you through some outstanding plans from some of the best names in the insurance business. This can save you money and still offer the level of benefit you are looking for. Call us today to learn more about these services.
Life Insurance – There When You Need It
Balkus Insurance Services makes Life Insurance coverage simple and easy to understand. Each product we offer has specific benefits and we will help you choose what works best for you.
We offer the following:
- Fully Underwritten - Whole Life Insurance
- Single Premium Life Insurance
- Term Life Insurance
- Indexed Universal Life Insurance
- And more
The Peace of Mind is Worth It
Every life insurance product is geared to pay out to your loved ones in the event of your passing. Some of these products gain cash value and typically cost more in premiums. Others cost less and may be only for a select period of time. Still, there are some that are a great value and stay at a steady premium for the life of the policy.
With so many variables, life insurance is always a good idea, but the right insurance for you can be elusive if you go it alone. That’s why Balkus Insurance Services is here. We will get you through the maze and you will come out of the experience with exactly what you need to be there for your family and their future. Contact us today for a free consultation.
Financial Products That Reward with Low Risk or No Risk
Protect Yourself From Stock Market Downturns
Fixed Indexed Annuities can offer a return even if the market is down. This is because your money isn't in the stock market. This type of annuity is a tax-deferred, long-term savings opportunity that protects your account value when the market is down and grows when it's up.
It allows you steady growth potential along with less risk and loss from direct market exposure.
When preparing for your retirement, it’s important you fully understand your risk tolerance. Are you more conservative, moderate or growth oriented?
The Color of Money Risk Analysis will give you a better understanding of your risk preferences and will help determine your personal retirement strategy.
Take the Color of Money Risk Analysis now:
Let's discuss the Risk/Reward scenario for cash, stocks and Fixed Indexed Annuities. Stocks deliver a great return for your money when the market is hot, but it also leads the pack in risk. A bad turn in the market can truly hurt someone who is solely in stocks and other high risk/high rewards investments. Fixed annuities allow those who are adverse to risk to gain a return even when the market is slow.
Balkus Insurance Services has several additional options for those on a fixed income or a small budget and want their money to grow but can't afford the losses. We can do it. Just give our office in Greenville, South Carolina a call!