careers – Covering You

Looking to Build Partnerships.

We believe in partnering with others to provide support and products that benefit your clients. We offer the training and resources you need to stay in business for yourself but not by yourself. The insurance industry is ever changing, and we keep you informed of the changes you need to know about.

Come Grow With Us!

We are constantly looking to improve and enrich the lives of those around us. A career with our team offers you the opportunity to work in a recession-proof industry. In the Medicare space alone, there are more than 10,000 baby-boomers turning 65 every day.

We offer a diverse product portfolio. Many agents like to work in a niche space. Some agents choose to work with young adults, helping them to lay the foundation of their financial growth plan. Other agents prefer to work with a mature audience, helping seniors with their retirement and Medicare options. Agents sometimes choose to focus specifically on either Life Insurance or Health Insurance markets but not both. Whatever you want your future to look like, we can help you to explore your options and map out a path forward.

Serving Our clients through life events, retirement & Medicare plans.

Life & Retirement Planning.

Medicare Plan Options.

HealthCare Solutions.

Products to help with Medicare.

Medicare was designed with gaps in coverage. Your healthcare and needs evolve over time. We help our clients to review what they have in place and to educate them on products available that can fill in any gaps, making sure their areas of concern are fully covered. It looks like a complicated maze because of the 100’s if not 1,000’s of seemingly different products in the marketplace but really, they all fit into just a couple of categories.

Medicare Advantage with Prescription Drugs.

Medicare Advantage Special Needs.

These plans provide the same benefits as Medicare as well as additional benefits. They are all in one and include prescription drug coverage, dental, vision, hearing & over-the-counter benefits. They provide caps on your healthcare costs to reduce your liability and can provide coordinated care for your health.

These plans are designed for those who have both Medicare & Medicaid. They can coordinate care between these 2 very uncoordinated entities. This is typically a very underserved demographic. These plans commonly provide much needed additional benefits for healthy foods, transportation & help with utilities at no additional cost.

Medicare Advantage
Only.

These plans do not include prescription drug coverage but often include a Part B giveback, dental, vision hearing & over-the-counter benefits. They are designed to complement Veterans & Federal retirees’ existing coverage. They can also provide health care to those who don’t want drug coverage.

Medicare
Supplements.

Supplements literally supplement Original Medicare. They protect you from unpredictable out-of-pocket expenses. Since Original Medicare does not include drugs, dental, vision, or hearing, supplements also do not include them. It is important to look at prescription drug plans so you do not face penalties in the future.

Life Solutions.

Products to help with Life & Retirement Planning.

“Money grows on the tree of persistence.”
– Japanese proverb.

We believe everyone should plan for 3 things when it comes to life and finances: 1) Dying too soon and having a plan in place so your family can continue to live and prosper, 2) Getting very ill and having access to funds so that you don’t have to drain your hard-earned assets, and 3) Living long into retirement and having a distribution solution involving tax planning to help reduce those costs.

Mortgage Protection Insurance.

For most families, the mortgage is the largest source of personal debt, a debt that can easily default if the primary earner dies. Mortgage protection is designed to pay the mortgage payments so the family doesn’t experience unnecessary struggle.

Final Expense
Insurance.

Sometimes called burial insurance, it is used to pay the final cost of putting your loved ones away. The cost of the average funeral continues to rise every year with inflation. This simple plan can make sure your family does not need to do a last minute go-fund me or scramble to raise funds.

Indexed Universal LIfe Insurance.

A permanent plan with a tax-free savings account attached to it. These plans are linked to stock market gains and at the same time have a floor so you contractually never lose money. You should have asset diversification and it is also important to have tax diversification as you build your wealth.

Indexed Annuities.

Annuities are simply accounts with an insurance company. These accounts allow you to participate in the market gains and never lose money. They provide peace of mind knowing that you can grow your money without any risk to the money. They can target growth, income for life, and help the funds grow to leave a larger legacy.

Denise Carr graduated from Johns Hopkins University with a degree in Business Administration, having an emphasis in Computer Information Systems. She has a passion to help others succeed. Denise has worked for more than 20 years in the financial services sector as a licensed Agent and Broker. She maintains her freedom to serve the best interest of her clients by working as a Broker rather than a captive Agent to any one company. She is free to recommend the best products in the marketplace rather than only the best products of one specific company.

She teaches financial literacy classes and volunteers locally to assist individuals to prepare and file their taxes. She has helped countless families to strategize income growth and prepare themselves for a comfortable retirement. She helps families to calculate the necessary life insurance to put in place. She is licensed and certified to help seniors navigate their options for Medicare and ancillary benefits. She actively trains others to serve the community in the same capacity.

Our Carriers.

We partner with multiple companies to make sure that we have the resources and the ability to address your specific needs and concerns.

Partner with Us.

Have a conversation to see how we can build Covering You.

3188 Foxridge Ct.
Woodridge, IL 60517