Frequently Asked Questions

 Life Insurance is a crucial financial tool that provides financial protection for your loved ones in case of your passing. It helps cover expenses like funeral costs, outstanding debts, and the needs of your dependents. life insurance protection term life insurance whole life insurance Bismarck

 We offer various types of Life Insurance, including Term Life Insurance, Whole Life Insurance, and Universal Life Insurance. Each type caters to different financial goals and needs. life insurance protection Bismarck

  The amount of coverage depends on factors like your financial responsibilities, outstanding debts, and future expenses. Our experts can help you calculate the appropriate coverage for your situation.

  Yes, many policies are flexible and allow you to adjust coverage or convert policies as your circumstances change.

 Our agency offers a range of investment options, including stocks, bonds, mutual funds, and retirement accounts. We tailor investment strategies to align with your financial goals and risk tolerance.

  All investments come with some level of risk. However, our experts work to minimize risk by diversifying portfolios and selecting investments based on your risk tolerance and financial objectives.

  All investments come with some level of risk. However, our experts work to minimize risk by diversifying portfolios and selecting investments based on your risk tolerance and financial objectives.

   Absolutely! Investment portfolios should be periodically reviewed and adjusted to reflect changes in your goals, market conditions, and risk tolerance.

  Long Term Care Insurance provides coverage for expenses related to extended care and assistance in case you're unable to perform daily activities due to illness, injury, or aging.

  It's wise to consider Long Term Care Insurance before retirement, as premiums tend to be lower when you're younger and healthier.

   Long Term Care Insurance covers a range of services, including nursing home care, assisted living, home healthcare, and adult day care. The coverage specifics depend on the policy.

  The cost of Long Term Care Insurance varies based on factors like your age, health, coverage amount, and the type of policy you choose. Our agents can provide you with personalized quotes.

  A Medicare Supplement, or Medigap, policy is a private insurance plan that helps cover the "gaps" in Original Medicare (Part A and Part B) coverage. It can help pay for out-of-pocket costs such as deductibles, copayments, and coinsurance.

  Medicare Supplement policies are designed to provide financial protection by reducing your healthcare expenses. They ensure you have comprehensive coverage and peace of mind, even when Medicare alone doesn't cover all your medical costs.

 The best time to purchase a Medicare Supplement policy is during your Medicare Open Enrollment Period, which starts on the first day of the month in which you turn 65 and are enrolled in Medicare Part B. During this period, you have guaranteed issue rights, meaning insurers can't deny coverage or charge higher premiums based on your health.

  Medicare Supplement plans are standardized and labeled with letters (e.g., Plan F, Plan G, Plan N). Each plan covers specific Medicare out-of-pocket costs, but the benefits are the same regardless of the insurance company. Our agents will help you understand the details of each plan and choose the one that fits your needs.

The cost of a Medicare Supplement policy varies depending on factors like your age, location, and the plan you choose. Our team will provide you with competitive quotes and help you find a plan that aligns with your budget.

 Yes, one of the benefits of Medicare Supplement plans is that they generally allow you to visit any healthcare provider that accepts Medicare patients. You're not limited to a network of doctors, providing you with flexibility in choosing your healthcare providers.

  In most cases, you can switch Medicare Supplement plans if needed. However, it's important to be aware of certain enrollment periods and potential underwriting requirements. Our agents will guide you through the process of making changes to your plan if necessary.

 No, Medicare Supplement plans do not cover prescription drugs. To get prescription drug coverage, you'll need to enroll in a Medicare Part D prescription drug plan. Our team can assist you in finding the right Part D plan to complement your Medicare Supplement coverage.

 Getting started is easy. Contact us by phone at 701-258-6163 or send us an email at Bill@TomReimAgency . Our experienced agents will schedule a consultation to assess your needs and help you navigate the process of selecting the ideal Medicare Supplement plan for you.

  Certainly! Visit our Testimonials Page to read feedback from our clients who have benefited from our expertise in Medicare Supplements.