Does the security of your retirement savings keep you up at night? Read on for 3 keys to a stress-free retirement.

Having your investments in a IRA or 401k may have made sense for you as you were growing your retirement fund. Now that you’re retiring, however, your priority is shifting towards protecting what you have.


Never Underestimate the Power of Zero

While yes, you can grow your money by investing it, you can also lose money. And now that you’re older, you don’t have an investment horizon that’s long enough to gain back the big losses that could come with a major economic recession. So for retirees looking for a stress-free retirement, the advice is simple. Take your money and reallocate it to a safe money place. When a recession hits us again, you’ll be guaranteed something that investors will wish they had, and that’s 0% minimum returns. When your neighbor looks 10% in a down year, you’ll be celebrating zero.


Participate in Market Gains

Many think that safety means sacrificing market growth. Wrong. There are a lot of financial products out there that are safe money places that do let you participate in market gains. It’s an excellent way to protect your assets and hedge against inflation, at the same time. Especially if you have an UNCAPPED strategy. That’s the path to a stress-free retirement.


Convert Your Savings to Retirement Income

You’ve saved your whole life, and want that stress-free retirement that I’m talking about. So convert your savings into a monthly payment to you that’s guaranteed for the rest of your lifetime. And the beauty of it is that you don’t even have to sacrifice either the Power of Zero or Market Gains.


If you want to read more, please call me at 484-509-1784, and I’ll send you a small book that will explain more. No obligation to buy.


Dan Rhoads is a licensed annuity broker and retirement planning advisor. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. This book is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not intended to provide specific legal or tax advice and cannot be used to avoid penalties or to promote, market, or recommend any tax plan or arrangement. You are encouraged to consult your personal tax advisor or attorney. Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor.


Benefits for Major Services

We see it often. Someone contacts us looking for dental insurance that will cover a major service without a waiting period. They might need a root canal, a deep cleaning, a crown, or an implant. I am forced to tell those people that many dental insurance plans will not cover those major services for the first 12 months. That’s the waiting period.

There are some carriers who offer dental insruance without a waiting period, but those typically have very low coinsurance in the first year. For instance, a dental insurance without a waiting period may only cover 10% for those major services in the first year, rising to 50% after that.


The Best Dental Insurance Without A Waiting Period

The best solution for this is to find a dental insurance that will offer a higher coinsurance immediately. We do have one dental insurance carrier who will insure major services with the max 50% coinsurance, from day 1. But you have to provide proof that you had other dental insurance up until recently, in order to qualify for those benefits. That might not be an option for you.

The next best solution is Ameritas. Never heard of Ameritas? They specialize in dental insurance. And they offer 20% coinsurance for major services, from day 1. That’s the best option we have yet to come across, except for the situation described in the previous paragraph.


An Even Better Solution

An even better solution, of course, would be to get dental insurance *before* you need it. If you don’t have dental insurance, the smart thing to do would be to be going to your dentist for checkups and cleanings every six months. Make it convenient by having dental insurance then. And, when one day you develop a toothache, your dental insurance will take care of you.

A United Healthcare company

We sell a lot of Golden Rule insurance policies here at the Rhoads Insurance Agency. And, we get a lot of questions about what this company is, since many consumers have never heard of it. Our usual response is that it is a United Healthcare company, or that it is a subsidiary of UHC. While that is correct, it would help to elaborate.

The Golden Rule Insurance Company was founded in 1940, and is headquartered in Indianapolis, Indiana. They were closely involved in the creation of Health Savings Accounts (HSAs) in the 1990s, and have for decades been a leader in health insurance for individuals and families. Their plans are medically underwritten. And today they are best known for their Short-Term Medical (STM) insurance plans, which consistently offer competitive rates over other STM providers. They also offer outstanding dental and vision insurance from United Healthcare, their parent company.


Golden Rule gets bought by United Healthcare

In 2003, United Healthcare bought Golden Rule and incorporated it into its corporate group. While United Healthcare offers health insurance products to over 28 million Americans, that is spread out over Medicare, group employer, and individual sectors. And Golden Rule accounts for the majority of its presence in the individual sector, and also uses the brand name United Health One.


Where our agency stands

We have been offering products through United Health One since 2018. Our clients have been very satisfied, on the whole. In fact, many clients have found us by searching for United Healthcare, because their STM coverages are the gold standard of the individual insurance sector. Their benefits are competitive, and their premiums are as affordable or better than any other individual insurance company.


Get Golden Rule Quotes with Us

If you’re interested in getting United Health One quotes, please CLICK HERE and use the request form.

Secondary Health Insurance

Medical costs can add up quickly. A secondary health insurance policy can pay cash benefits for hospital and doctor expenses.

Many Americans with employer benefits understand that having a second healthcare plan to assist with routine healthcare expenses is a smart decision. They know it as a Health Savings Accounts, or HSA. They make out-of-pocket expenses more managable and spending more predictible. And they are a smart way to deal with rising deductibles.


Personal Experience

This is Dan Rhoads here, your agent. I am a huge fan of supplementing a high deductible health plan with secondary coverage. As a strategy, it has worked for corporate employees and Medicare recipients for years. I believe that if more people took advantage of these options when they were young and still healthy, then there would be fewer Americans in dire healthcare situations.

That is why I am so passionate about secondary health insurance plans. I’m asking you to let me run comparisons for you. Let me compare a low deductible health plan, against a high deductible health plan and a secondary coverage option. I guarantee you’ll save money.

I have been offering this kind of combo plan for 2 years now. Click on the PDF image to see an example proposal.

UHC Combo Plan


Common benefits of Secondary Health Insurance

  • No network limitations.

You can go to any licensed doctor, hospital, or outpatient facility that works with your primary health insurance. In other words, it’s flexible. And, it goes where you go.

  • No deductible or waiting period.

Secondary coverage provides cash for medical expenses that are not paid by your primary coverage. And, isn’t that what we all want in this era of rising deductibles and healthcare costs.

  • No coordination of benefits.

Benefits will not be reduced, regardless of how much of the medical bill your primary plan pays. You will receive any excess benefits by check and can use that cash any way you want.

  • Renewable coverage until age 65.

These insurance plans are medically underwritten. So, you have to be relatively healthy to qualify for this class of insurance. But these secondary health insurance plans will not be cancellable due to any pre-existing condition, once you are subscribed.


A Smart Combination of Insurance Benefits

Consider combining this kind of plan with a high deductible health plan, just as you would for an HSA. Frequently, we see clients save a few hundred dollars a month by taking a high deductible health plan together with a secondary health insurance plan, when compared to a low deductible health plan.


Learn More

Please visit our Health Insurance page, or click here to get quotes to learn more.


Fatal Car Accident

Any one of us could die any day in an accident. We have Accidental Death policies that cost as little as $10 a month. Call us today to see what we can do for you.
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Our website is brand new, but we would like to slowly start to celebrate some of our success stories!

Of course, we don’t want to violate the privacy of our clients however, so first names only and a picture taken at the time of sale, along with a general summary of how we helped them – that’s all we’ll provide.

We very much look forward to celebrating our successes in helping families in our community!