Charger Financial industry leader since 2014.
Our main focus is creating awareness for health care needs within the community. We educate our clients by providing multiple resources of information to help empower and facilitate the decision-making process of their financial needs. CF coaches are licensed professionals that work with most major health insurance carriers and financial companies; while providing our clients the freedom to compare and choose the best financial plan for their needs. Charger Financial services are available in several states. Contact your CF agent for more information.
It’s never too early to put a plan in place that will help provide income for the rest of your life, even if you have a few years until retirement. Remember, in retirement if you’ve got income, you’ve got it all. Let us help you create the appropriate vehicle for your retirement plan.
Want to learn more about our plans? Let’s talk!
Our Coverage
Charger Financial never wants you to feel overwhelmed or confused about your health coverage. We offer a variety of options that provide coverage for both your health care and financial needs. A CF agent will be able to bring clarification and understanding while assisting with choosing the best option for you. Here is a breakdown of just a few of the options available.
INDIVIDUAL & FAMILY PLANS
The Affordable Care Act has now made health insurance more accessible and less expensive. Coverage is now available without pre-existing conditional limits and cost containment to reduce your out-of-pocket expenditures. Health insurance is better and easier to use.
life insurance
- Final Expense Insurance
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Index Universal Life Insurance
- Variable Universal Life Insurance
- Variable Life Insurance
- Group Life Insurance
- Disability Income Insurance
- Accident Protection Insurance
retirement
- Fixed Annuities
- Equity-indexed
- Market-value-adjusted
- Fixed Period
- Lifetime Annuity
- Qualified Vs. Nonqualified Annuities
- Single Premium Vs. Flexible Premium Annuities
- Variable Annuities
- Fixed Index Annuities
- Immediate Annuities
- Deffered Annuities
- Teacher Retirement Plan (403b, Etc.)
health insurance
- Hsa Accounts
- Medicare Advantage Plans
- Prescription Plans (Part D)
- Dental And Vision Plans
- Group Plans
- Individual Insurance (Aca-obamacare)
Medicare Advantage
While Original Medicare benefits are paid by the government, a Medicare Advantage Plan which is similar to an HMO or PPO is offered to eligible parties by private insurance providers. These companies are paid by Medicare to cover your benefits.
Medicare Supplements
Offered by private insurance companies, Medicare Supplements cover multiple areas and services not covered by the Original plan. These “gaps” which can include emergency overseas travel coverage, certain disability assistance, prescription drug plans and more, are taken care of under the supplements which are available to anyone who is eligible for basic coverage.
Prescription Drug Plans
Basic options do not offer prescription drug coverage. When you enroll, you have the option of adding certain coverages and additional options including drug plans. You can add drug coverage to Original Medicare as well as additional plans. This may be a good option for you if you rely on multiple medications throughout the month.
LIFE INSURANCE
Term Life Insurance, Whole Life Insurance, Universal Life Insurance, Variable Universal Life Insurance
RETIREMENT INCOME
Income Now, Income Later
LONG-TERM CARE
Traditional Solutions, Combination Solutions
INVESTMENTS
Annuities, Mutual Funds, 403(b)
