500+

CARRIERS

17000+

PRODUCTS

50

STATES

$1000000's

SAVED FOR OUR CLIENTS

CLIENT FOCUS

With access to so many products and carriers RetireCo agents aren't beholden to anyone except our clients.

UNMATCHED ACCESS & TECHNOLOGY

Great back office partners and real time quoting and analysis tools allow us to compare thousands of products quickly to find the best fit for our clients.

TRANSPARENCY

We provide clients with side by side comparisons from top rated companies so you know you are getting what is best for you.

Who We Are? What Drives Us?

Charlotte's Healthcare Advisory Grp.

Phone
(601) 202-8518
Address
PO Box 2631
Jackson,MS 39207
Selected Insurance Company pays commission fees to agents,brokers or producers and does not employ or endorse agents, brokers or producers. In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disabili

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Key Open Enrollment dates  :  MARKETPLACE FREE QUOTES: CLICK HERE

  • Open Enrollment runs from Sunday, November 1 through Tuesday, December 15, 2020. Coverage begins January 1, 2021.
  • If you don’t enroll in a plan by December 15, you can’t get 2021 coverage unless you qualify for a Special Enrollment Period.

Life Insurance

PROTECT THE ONES YOU LOVE THE MOST

What is Life Insurance

Life insurance is a contract between an insurer and a policyholder. A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured policyholder dies, in exchange for the premiums paid by the policyholder during their lifetime.

How Life Insurance Works

A life insurance policy can has two main components - a death benefit and a premium. Term life insurance has these two components, but permanent or whole life insurance policies also have a cash value component.

  1. Death Benefit The death benefit or face value is the amount of money the insurance company guarantees to the beneficiaries identified in the policy when the insured dies. The insured might be a parent, and the beneficiaries might be their children, for example. The insured will choose the desired death benefit amount based on the beneficiaries’ estimated future needs. The insurance company will determine whether there is an insurable interest and if the proposed insured qualifies for the coverage based on the company’s underwriting requirements related to age, health, and any hazardous activities in which the proposed insured participates.2
  2. Premium Premiums are the money the policyholder pays for insurance. The insurer must pay the death benefit when the insured dies if the policyholder pays the premiums as required, and premiums are determined in part by how likely it is that the insurer will have to pay the policy’s death benefit based on the insured’s life expectancy. Factors that influence life expectancy include the insured’s age, gender, medical history, occupational hazards, and high-risk hobbies. Part of the premium also goes toward the insurance company’s operating expenses. Premiums are higher on policies with larger death benefits, individuals who are higher risk, and permanent policies that accumulate cash value.
  3. Cash Value – The cash value of permanent life insurance serves two purposes. It is a savings account that the policyholder can use during the life of the insured; the cash accumulates on a tax-deferred basis. Some policies may have restrictions on withdrawals depending on how the money is to be used. For example, the policyholder might take out a loan against the policy’s cash value and have to pay interest on the loan principal. The policyholder can also use the cash value to pay premiums or purchase additional insurance. The cash value is a living benefit that remains with the insurance company when the insured dies. Any outstanding loans against the cash value will reduce the policy’s death benefit.

Medicare Simplified

UNDERSTAND MEDICARE

We believe that the better educated you are about Medicare, the easier it will be for you to make the right decisions about your Medicare health insurance choices. That's why we've created this resource section.

This Medicare information section is here to educate you about your insurance options and provide you with the resources you need to help you select the right plan for your unique needs.

If there's anything you need or if you have any questions, please feel free to contact us. We are here to help.

Dental & Vision Insurance

COMPARE PLANS AND SAVE

Why Dental & Vision Insurance

Dental and Vision plans can be purchased separately of bundled at very affordable prices to meet your needs. Many of these plans offer no cost for standard procedures and can significantly reduce the cost of unexpected problems. makes it easy to get low cost dental or vision plans that fits your individual needs and your budget. Choose from an array of benefit options that include access to network providers that can help keep the cost of your care affordable.

Disability Insurance

FIND THE RIGHT PLAN FOR YOU

What is Disability Insurance?

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits, and long-term disability benefits.

Why Disability Insurance?

Statistics show that in the US a disabling accident occurs, on average, once every second. In fact, nearly 18.5% of Americans are currently living with a disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.

With our unmatched carrier access we can find the right protection for you and your family, to make sure you have piece of mind.

Health Insurance

CHOOSE FROM PLANS THAT FIT ANY NEED

What Type of Health Insurance Should I Get?

When you’re looking for health insurance, it’s a good idea to take a look at all the angles. You want coverage that works with your lifestyle, helps you get the best care possible and fits with your financial picture. We can shop from many carriers to find you that coverage With a wide range of plans and an incredibly diverse network of doctors, clinics and hospitals across the nation, you’ll be able to choose what works best for you. No matter what your situation or what type of health insurance you are looking for we can help.

Identity Theft Protection

IDENTITY THIEVES NEVER STOP, BE VIGILANT

Don't Worry we Have Partnered With ID360 To Help

Because we live so much of our lives online, our personal information is continually at risk. As it travels through cyberspace, it can be stolen and used for fraudulent purchases, credit card or bank account applications, tax filings and a host of other things that can severely damage your credit or cause other financial headaches that are hard to recover from. Information also can be sold on the “dark web," a hidden part of the internet where criminals can conduct business with relatively little chance of being caught. ID360 provides a comprehensive solution to help fight identity theft based on Prevention, Detection, and Recovery. Developed by former senior law enforcement professionals their service offers a proprietary ID checkup to provide the most in depth identity analysis allowed by law coupled with best in class monitoring and recovery services at a substantial discount to RetireCo clients.