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Life Insurance | Annuities | Disability Income | Long Term Care | Life Settlements | Senior Products

Senior Benefits/Medicare



  • Medicare Advantage Plans: Aetna, Anthem, CIGNA, Care Partners of CT, CTCare, Humana, United Health Care and Wellcare
  • Medicare Supplement Plans: Aetna, Anthem, United American, and United Health Care with AARP Branding 
  • PDP Plans:  Humana, Mutual of Omaha, SilverScript, UHC and Wellcare
  • Products available in Multiple States

“Your Senior Center” 

Training Videos – MedicareCENTER 101 

Offer Your Clients a Menu of Senior Products from Health Insurance to Final Expense Life.
Offer Your Clients a Menu of Senior Products from Health Insurance to Final Expense Life.


  • Low cost product to cover those hospital co-pays
  • Benefits are paid in CASH directly to the insured
  • Annualization of commissions with lifetime renewals
  • Skilled Nursing Facility rider option to cover $120.00 per days 21-100


Insurance for people who have health conditions and can only afford small amounts of insurance.

Guaranteed Issue

  • Immediate Death Benefit or 2 year Graded/Modified Plans
  • Issue ages 18-80
  • $5,000 – $100,000
  • Premium plus 10% if death occurs in first 2 years on Graded/Modified Plans
  • Short form application no health questions
  • Paper/Online Application
  • Advance Commissions available on request

Simplified Issue

  • Issue ages 40-90
  • $2,500-$25,000
  • 50% death benefit in second year
  • Paper/Online Application
  • Advanced commissions available on request


  • Protect your clients’ Retirement Plans as well as their homes with LTCi. With proper planning, no one should have to liquidate their assets to pay for care. It’s best to self-insure a small percentage vs 100% of the cost of care.
  • Traditional (Partnership and non-Partnership), Single Pay and Combo-Linked LTCi/Life are available.


  • MERIT has an entire portfolio of FIXED, INDEXED, IMMEDIATE, and Medicare Compliant Annuities. Check our annuity rates online now!
  • Give your clients a monthly pay increase with a high-paying fixed annuity.
  • Give your clients “Income for Life”  with your Indexed Annuity.