Insurance
Comprehensive Coverage for Life’s Needs
Insurance Solutions for Every Stage of Life
Life and Long-term Care Insurance
Imagine knowing your family is protected, even in uncertain times. Whether you need permanent life insurance or coverage for long-term care, we can help craft policies that align with your goals, offering financial reassurance for today and tomorrow.
Dental and Vision Plans
Think of insurance that supports your smile and your vision. Our dental and vision plans provide coverage for everything from routine checkups to more extensive care, reducing out-of-pocket costs and helping you stay healthy and confident.
Travel Insurance and Beyond
A long-awaited vacation should be exciting, not stressful. Travel insurance offers peace of mind for unexpected disruptions like cancellations or medical needs while you’re away, ensuring your adventures are as carefree as you imagined.
Protect your life, income, and travels
Insurance isn’t just a safety net; it’s the peace of knowing you’re prepared. Whether protecting your family, managing health needs, or planning adventures, our comprehensive options help you live confidently while safeguarding what matters most.
Get to know what else we can do for you.
Holistic Financial Planning
Medicare Coverage Options
Insurance
Investments
Retirement
Comprehensive Insurance Solutions for Life’s Uncertainties
Your Questions About Insurance, Answered
Insurance is a key part of financial security, helping to protect your income, assets, and loved ones from the unexpected. Below, we address common questions about how different types of insurance can fit into a long-term financial strategy.
What types of insurance should be part of a well-rounded financial plan?
A well-structured financial plan should include protection for both your current and future needs. Life insurance helps provide financial support for your loved ones, while long-term care insurance assists in managing healthcare costs later in life. Disability insurance can help replace lost income due to injury or illness. Additionally, dental, vision, and travel insurance can help cover expenses that traditional health insurance may not include. A strategic combination of these policies can help create a financial safety net tailored to your unique situation.
How do I choose between term life and permanent life insurance?
Term life insurance provides coverage for a set period (e.g., 10, 20, or 30 years) and is generally more affordable, making it a suitable option for those seeking cost-effective protection during their working years. Permanent life insurance, including whole and universal life policies, lasts a lifetime and accumulates cash value over time. The right choice depends on your financial goals, budget, and long-term needs. We can help analyze your situation to determine which option aligns best with your priorities.
What is long-term care insurance, and when should I consider it?
Long-term care insurance helps cover expenses related to extended medical care, such as nursing home stays, in-home care, or assisted living services. Since Medicare and health insurance generally do not cover these costs, long-term care insurance can help protect your savings and reduce the financial burden on your family. Premiums tend to be lower when you purchase coverage earlier, making it beneficial to explore your options in your 50s or early 60s before health issues arise.
How can disability insurance help protect my income?
Your ability to earn an income is one of your most valuable assets. Disability insurance provides income replacement if an illness or injury prevents you from working. Policies vary in coverage, duration, and eligibility, so it’s important to evaluate options based on your profession, income needs, and lifestyle. Whether short-term or long-term, disability insurance can help maintain financial stability and prevent the need to dip into savings in the event of an unexpected health setback.
Is travel insurance worth it, and what does it cover?
Travel insurance helps protect you from financial losses related to trip cancellations, medical emergencies, lost luggage, and travel disruptions. If you travel frequently, especially internationally, having coverage can help ensure peace of mind. Medical care abroad can be costly, and standard health insurance plans may not provide coverage outside the U.S. A travel policy can include benefits like emergency medical evacuation, trip reimbursement, and coverage for unexpected changes in plans, making it a valuable addition for frequent travelers.
Overview
Location
Our Office
222 Indianapolis Blvd, Schererville, IN 46375, United States of America
Suite 201
Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its corporate registered office in the State of Ohio. PCA and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which PCA maintains clients. PCA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Any subsequent, direct communication by PCA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Hammer Financial Group] and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice.(Insurance, Medicare Supplements and Tax Services offered through Hammer Financial Group are not affiliated with PCA. Information received from this website should not be viewed as investment advice. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries. This site may contain links to articles or other information that may be contained on a third-party website. PCA is not responsible for and does not control, adopt, or endorse any content contained on any third party website. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.
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Scott Luecke offers Securities through Innovation Partners, LLC (IPLLC) Member of FINRA/SIPC. IPPLC is a registered broker dealer. Scott Luecke is aRegistered Representatives of Innovation Partners LLC. Check the background of this investment professional on FINRA's BrokerCheck. Hammer Financial Group and Innovation Partners LLC are not affiliated entities.
The information and opinions contained in any of the material requested from this firm or their materials/website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. The information is not affiliated with or endorsed by the U.S. Government or the federal Medicare program. You may be contacted by a licensed insurance agent. Calling the number above will direct you to a licensed insurance agent. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE.
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