Assisting You with All of Your Senior Insurance Needs.

We shop for the so you don't have to!

“I am so appreciative that you offered a different option for insurance for my husband. Thank you for taking care of everything for me. I really appreciate it”

Eileen C.

Deerfield Beach, FL

“I appreciated all the detailed information. It was very helpful. Thank you!”

Jackie T.

Hutto, TX

“I feel really great about you and your company! My grandparents are very happy and so am I ! Thank you, we really appreciate everything!!”

Lisa R.

Tulsa, OK

“You have been so much more helpful than any agent I’ve ever dealt with. I wish I knew you when I was buying my last insurance policy.”

Tracy W.

Crawfordville, FL

We, at Allen Insurance, are a family owned and operated, full service insurance agency that specializes in health insurance products for seniors.

 We offer the most competitive products to meet your Medicare Supplement and Burial Insurance needs.  As an independent insurance agency we represent well over 40 of the best-known companies in the country for insuring seniors. 

We are very determined and committed to finding the best companies with the best rates for our clients.

We perform a Medicare Supplement “check-up” each year to review our client’s policies and ensure that they never pay a penny more than they must for their Medicare Supplement insurance.

We will always be available for our clients. We take customer service very seriously.

 So if you call us in a day, a week, a month or a year we will be here to help you. You can also choose to contact the customer service department of whichever insurance company that we place you with, but we encourage you to call us. We are your advocates and we are here to help.

COMPANIES WE REPRESENT

Medicare Supplement

  • Mutual of Omaha
  • Aetna
  • Medico
  • Cigna
  • Blue Cross Blue Shield

Burial Insurance

  • Mutual of Omaha
  • Aetna
  • Transamerica
  • Royal Neighbors of America
  • Gerber

Our New Clients are Currently Saving $30 to $100 each month, without changing their coverage!

ABOUT US

Grant Allen - Owner
Grant graduated from Baylor University in 1982 with a Bachelors in Business Administration with an emphasis on accounting and business management. After college, he worked as a CPA for Peat Marwick Mitchell accounting firm. Later, Grant started Allen Insurance Services which has been providing insurance products to people across the country since 2002.
At Allen Insurance we specialize in providing senior insurance products to individuals all across the country. We represent over 40 insurance companies and we have a passion for helping people find the lowest cost, highest quality insurance that meets their particular needs. We look forward to answering any questions you have. We promise to provide honest, ethical service and to make your best interest our top priority. Thanks!

Grant Allen

Kristy Allen - Office Manager
Kristy has worked in the insurance industry since 1988. She has extensive experience in both sales and customer service.
Erin Allen - Office Assistant
Erin is currently working part-time while completing her undergraduate degree at Texas A&M University.
Ericka (Allen) Williams - Marketing
Ericka graduated from Texas A&M University with a Bachelors of Science in Sociology. She has been a licensed agent working with Allen Insurance for 6 years. She is married to a high school football coach in Plano, TX.
Will Allen - Sales
Will graduated from Texas A&M University with a Bachelor of Arts in Business Marketing. He has been a licensed agent working in the business for 4 years. Will and his wife, Brooke, are also heavily involved in Pine Cove Christian Camps.

*The states we do business in include Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Nebraska, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin

Texas Department of Insurance Consumer Protection Department:
www.tdi.texas.gov
1-800-252-3439

*In order to check out an agent’s complaint history, call the Texas Department of Insurance and tell the customer service representative that you want to check the complaint history of an agent. Provide the representative with the agent’s name and Texas Insurance License number.

Grant’s Texas License Number: 841396
For other states, you can use Grant’s National Producer Number: 1237963

Allen Insurance is here to assist you in finding the for your needs at the absolute lowest cost.

MEDICARE SUPPLEMENT BASICS

Medicare Doesn’t Cover All Medical Costs

Traditional Medicare (Part A and Part B) only covers about 80% of necessary healthcare services. If you need certain services that Medicare doesn’t cover, you’ll have to pay for them yourself unless you have other insurance or you’re in a Medicare health plan that covers these services.

Even if Medicare covers a service or item, you generally have to pay your deductible, coinsurance, and copayments. Finding the right Medicare Supplement Policy can fill in the coverage gap that is missing in traditional medicare.

Click here to find out more about what services are covered by traditional Medicare.

All Medicare Supplement Plans are Standardized

It is important to purchase a Medicare Supplement policy to help pay the out-of-pockets not covered by original medicare. Medicare Supplement plans are regulated by state and federal laws which require plan standardization. There are 10 Medicare supplement insurance plans. Each plan is labeled with a letter of the alphabet and offers a different combination of benefits. Each plan of the same letter offers the same benefit, regardless of insurance company. 

Once you know which lettered plan will best fit your needs, the most important thing to consider is the monthly cost. At Allen Insurance, we can help you not only determine which plan is best for you, but also help you find the best priced policy for your needs.

For a complete breakdown of the standardized Medicare Supplement plans, click here.

Medicare Advantage

Many seniors face difficulties when trying to decide whether traditional Medicare and Medicare Supplement OR Medicare Advantage is best for their needs. Although the low monthly premiums associated with Medicare Advantage (MA) plans are attractive, before you sign up for a Medicare Advantage policy consider the following:

  • Are you Doctors part of the Medicare Advantage network you are considering joining? Otherwise you will be forced to find another doctor or pay out-of-network costs. Due to network restrictions, Medicare Advantage members have a limited choice of doctors, hospitals and nursing facilities.

  • If your doctor chooses to leave the network during the year you will have to find another doctor.

  • You can only leave the network during certain times of the year.

  • Have you budgeted for unexpected out-of-pocket costs? If you experience an unforeseen illness and find yourself hospitalized, costs could add up quickly. Combined deductibles and copayments for doctor visits and hospital expenses over a four-day hospital stay could easily cost you more than $1000. Maximum out-of-pocket cost each year with most Medicare Advantage plans range between $3,500 to $6,700.

  • Do you travel often? Medicare Advantage plans have specific provider networks which can fluctuate and may not be nationwide. Non-emergency services while traveling are billed at an out-of-network rate.

  • Medicare Advantage plans are run by “for profit” companies so they have cost cutting measures and rules that may frustrate you at a time when you are dealing with a major illness. Always remember, in an Advantage plan the less money the insurance company spends on your medical bills the more profit they make.

MEDICARE

www.medicare.gov
1-800-633-4227

CLICK HERE for the current Medicare & You Handbook

*Page 71 (bullet point #5) explains that all Medicare Supplement products are strictly standardized by the government. The ONLY difference is the premium you pay for your coverage.

LIFE INSURANCE FOR SENIORS

Burial Insurance, also called Final Expense Insurance, is normally a small amount of whole life insurance. It is very popular with seniors who are trying to cover the high cost of burial and other final expenses. It usually does not require an exam, and if a person can answer “No” to a series of 6-10 health questions, they can get the coverage.

Purchasers usually say something like this, “We’re not trying to make anybody rich, we just need a small amount of insurance (normally $5,000-$20,000) to cover our final expenses so we don’t burden our family with final expense costs.”

While some people choose to purchase a burial insurance policy, others might choose to cover their final expenses by using term or universal life insurance instead. Speaking with a knowledgeable and honest agent can help you make the decision that is right for your individual needs. Give us a call, we would love to visit with you about your options!

Click here for the 4 Things You Must Know Before Buying Burial Insurance!

Whole Life & Burial Insurance

Whole Life Insurance is designed to last your “whole life.” This type of coverage requires that you pay a fixed premium amount every month. Because this coverage lasts your entire life, you never have to worry about outliving it. Whole life insurance is best bought by someone who needs the coverage to be in effect whenever they pass away, even if it is in the distant future. Many times these are people trying to cover end of life costs, such as funerals and left over debt. 

Keep in mind, whole life insurance will normally cost more than term insurance because of the guarantee that someone will be paid in the end. Whole life is normally best for those age 65 and over who need smaller amounts of coverage. There are certainly exceptions to these general rules. A knowledgeable agent can help you determine if whole life insurance is the best type of coverage for your needs. Give us a call so we can answer all of your questions.

Universal Life Insurance

Universal Life Insurance is similar to whole life insurance but it is designed to be much more flexible. Today universal life insurance is normally sold in place of old traditional whole life insurance but it can also be made to operate like a term policy. When buying a universal life policy, you want to be careful of the details in the fine print because the increased flexibility of universal life products also creates complications and confusion.

If you are unsure of whether or not you would benefit from a universal life insurance policy, our agents can help you review your options.

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Term Life Insurance

Term Life Insurance is purchased for a temporary period of time or “term.” The most common time frames for a term policy are 10, 15, 20, 25, and 30 years. Term Insurance is most effective and best bought by those who have a temporary need, such as until the children graduate from college, or until the house is paid off.

Term Life Insurance will normally be the most inexpensive way to buy life insurance because when you buy term you take on a risk, and the risk is that you could outlive the policy and never collect a dime. As a matter of fact, the majority of people who purchase a term policy will never collect on it. Generally speaking, term policies are normally a good fit for insurance buyers under the age of 60 that need large sums of insurance for only a limited period of time. Term insurance is neither good nor bad, it depends on what your specific insurance needs are. If you need help determining if a term policy is right for you, our agents would be glad to assist you.

TESTIMONIALS

“I am so appreciative that you offered a different option for insurance for my husband. Thank you for taking care of everything for me. I really appreciate it”

Eileen C.

Deerfield Beach, FL

“I appreciated all the detailed information. It was very helpful. Thank you!”

Jackie T.

Hutto, TX

“I feel really great about you and your company! My grandparents are very happy and so am I ! Thank you, we really appreciate everything!!”

Lisa R.

Tulsa, OK

“You have been so much more helpful than any agent I’ve ever dealt with. I wish I knew you when I was buying my last insurance policy.”

Tracy W.

Crawfordville, FL

CONTACT US

OR forget this all and give us a call.
1-800-566-1910
If you have any questions or would like more information, our advisors will be happy to help.