Frequently Asked Questions

Help with Enrollment

O’Neal Insurance Group assists with Medicare enrollment for those new to Medicare, turning 65, or understanding 2025 plans. We work with major insurers, including Aetna, Humana, Devoted Health, BlueCross BlueShield of Illinois, AARP, UnitedHealthcare, Cigna, Clover Health, Essence HealthCare, KCA, Kelsey Care Medicare Advantage, Scan Health Plan, and Select Health across Alabama, Arizona, Illinois, Indiana, Louisiana, Mississippi, Missouri, Nevada, Texas, and Utah.

When Should You Update Your Coverage?

Life changes may require updating your insurance policy. Consider a review if you experience:

Personal Changes:

• Marriage, divorce, or having a baby

• New drivers in the household

• Kids leaving for college

• Job changes or starting a home business

• Income fluctuations

• Buying a home or moving

• Home improvements

• Approaching retirement

• Purchasing high-value items
  
  

Life Insurance Questions

Do I Need Life Insurance?

Life insurance provides financial security to your family by covering:

• Mortgage protection

• Replacement of lost income

• Essential family services
  
  

How Much Life Insurance Do I Need?

A general rule is to have at least ten times your annual salary. Consider mortgage balances and large debts in your calculation for comprehensive protection.

How Often Should I Review My Life Insurance?

Review your policy every five years or sooner if you experience major life events like marriage, divorce, a new child, home purchase, career changes, or retirement.

Why is Long-Term Care Insurance Important?

Long-term care insurance helps cover nursing home and in-home care costs, preventing financial strain on families. Without coverage, personal assets like savings and property may be at risk.

Need assistance? Schedule a private appointment via phone, online, or mobile Zoom with a licensed agent today.