Our Services
We Offer a Range of Services to Meet Your Needs | Insurance Stone Mountain, Ga
Medical
Health care is the effort to maintain or restore physical, mental, or emotional well-being, especially by trained and licensed professionals.
Individual or Group Health
We are licensed, certified, and contracted with all major carriers in many states including Georgia on and off the Marketplace Exchange. Individual or Group quotes are prepared to help you find the coverage that best meets your needs.
Dental
Dentistry, is the profession concerned with the prevention and treatment of oral disease, including
diseases of the teeth and supporting structures and diseases of the soft tissues of the mouth.
6-month cleanings? X-rays and fillings? Implants and braces? Supplement your health insurance with dental and/or vision insurance.
Plans can start $1 a day depending on age
Medical Plans
Medicare is federal health insurance for anyone age 65 and older, and some people under 65 with certain disabilities or conditions. Medicaid is a joint federal and state program that provides
health coverage for some people with limited income and resources.
Too many choices? Overwhelmed with marketing materials? Let us simplify your Medicare Advantage, Med Sub or prescription plan benefit options.
Life Insurance
Life insurance provides financial protection for loved ones should the policyholder die. Once a policy is issued, an insurer may not cancel it based on a change in the policyholder’s health status. There are several types of life insurance, allowing consumers to find a policy type that works for their personal situation.
Myths about Life Insurance
Most people believe Life Insurance is too expensive, they don’t know how much coverage is needed and are unable to find a trusted advisor. We can help simplify your questions, in some cases spending $1 per day for coverage.
Life Return of Premium
Policies today include an optional rider returning 100% of all premiums paid in when you survive the term.
Life insurance can provide lifetime tax-free income
Life insurance you don’t have to die to use called Living Benefits
This is a great space to write a long text about your company and your services. You can use this space to go into a little more detail about your company. Talk about your team and what services you provide.
Disability Insurance
Disability insurance is a type of insurance product that provides income in the event that a policyholder is prevented from working and earning an income due to a disability.
Having full coverage means both your medical expenses and your cost of living is covered in the event of disability. Anyone can become disabled. In fact, a quarter of today’s twenty-year-olds will become disabled before they retire.
About 12% of Americans are disabled, and over half of those are in their working years.
90% of these cases are actually due to illness rather than an accident. These range from cancer to cardiac or musculoskeletal conditions.
Be prepared for the chance of having to pay for your housing, food, vehicles, education, and other necessities without your income in the event the breadwinner can no longer work. Some disabled resort to living off savings, borrowing from friends, and selling assets like the house. Contact us to discuss options for having a whole insurance plan
that covers both medical expenses and your cost of living.
With only health insurance:
The doctors get paid.
The nurses get paid.
The hospital gets paid.
You don't get paid.
Short Term Medical
Short-term health insurance is a type of health plan that can provide you with temporary medical coverage when you are between health plans, outside enrollment periods, and need some coverage in case of an emergency.
Home & Auto Insurance
If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner’s policy will pay to replace any of your personal property that is destroyed in a fire or other disaster.
The policy will also be your first line of defense against a lawsuit from someone injured at your home. The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way – unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
Auto or car insurance coverage has two parts.
The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks.
There are also ancillary medical, car rental, and other coverages that vary by state. Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
We recommend Burnette Insurance, partners with Meritius Group, when it comes to protecting your world with home, auto and commercial insurance.
Contact Kim at 770-339-8888
Email: kim@burnetteinsurance.com
Annuities
Annuities are powerful financial instruments designed to provide guaranteed income for life.
Whether you’re planning for retirement, seeking long-term financial security or aiming to diversify your investment portfolio, annuities offer a customizable solution tailored to you.
Discover how annuities can help secure your financial future
Financial & Legal Documents
Last Will
A last will is a document that you create to direct the management and distribution of your property and to provide for the care of your minor children after your death.
Power of Attorney
Power of attorney lets you appoint someone you trust to manage important financial and legal matters on your behalf. You can choose to have it take effect immediately or only go into effect in the event of illness or incapacitation.
Living Will
A living will let you specify decisions about artificial life support in advance. It not only ensures that your wishes will be heard, but also protects your loved ones from having to make these difficult and deeply personal choices for you. Living will include a free
healthcare power of attorney that lets you appoint someone you trust to make specific healthcare decisions for you.
Depending on complexity, our legal staff offers Last Wills starting at $70
Money Management
Most retirement planning – strategies – and investment vehicles expose our money to uncertainty. The uncertainty of markets, of taxes, of fees and commissions, of how much future income we can rely on. We eliminate uncertainty and plot a pathway to the kind of retirement we dream of.
Traditional investments include the 401k, IRA, Roth's and so on. However, these plans are all subject to the three retirement wealth killers: market risk, taxation, and fees and commissions.
Now there are new retirement options that can help you shield your nest egg from these wealth killers. If your money could talk, here is what it would want you to know:
Valuable Resources
● Did you know taxes & fees can eat up to 50% – 70% of your 401(k)?
● Video CBS This Morning & Tony Robins – Hidden 401K Fees
● Video U.S. Department of Labor – Yes You Really Do Pay Fees.
● Video CBS 60 Minutes, Time Magazine & Morning Joe & PBS Frontline talk about
401k problems you face.
My Life Assured
After years of interviewing clients in all seasons of life, including single, married, divorced, and widowed, there is one common question that I address with all: Are you and your loved ones prepared for the unexpected in life?
In most families, typically one individual handles the finances and legal documents. But what if that individual were unable to communicate final wishes, become disabled, or pass away? How would family members know where to begin with the stress of sorting documents, tracking down account numbers and passwords, and locating final wishes?
My Life Assured is a user-friendly software program designed so you can easily organize and document life’s most important information including insurance policies, funeral instructions, account numbers, last will and testaments, and more! By taking the time to
organize this information with My Life Assured, you can ease the future burden on your loved ones.
$39.95
Provides important data when a family member passes or a living loved one is unable to
make life decisions.
Long Term Care
Long-term care is a range of services and supports you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as:
Bathing.
Dressing.
Using the toilet.
Why People Fail to Plan
The natural tendency to avoid thinking about becoming dependent on others for your care
Misinformation about the risks of needing care
In addition, most people don’t like to think about getting older, developing a disability, becoming less independent, or needing help with personal care. Unfortunately, there is a reason that the following adage is so often cited: “Those that fail to plan, plan to fail.”Ignorance regarding the cost of care and of payment options Understanding the Product
LTC can provide personal and custodial care for an extended period of time.
The trigger for this is the help with or loss of at least two activities of daily living (ADLs). These include six categories: bathing, dressing, eating, transferring, toileting, and continence.
The “loss of ADLs” could be the need for substantial assistance, whether it’s hands-on,
standby, or supervisory. Any cognitive impairment, such as Alzheimer’s and dementia, are automatically covered whether or not the two-ADL trigger is met.
A common misperception of long-term care is that it’s the same thing as nursing home care. While care may be received at a nursing home, it can also be used at an
