AFS INSURANCE MGMT. | 22029 FARMINGTON ROAD | FARMINGTON, MICHIGAN 48336 | 248-888-7530 | 888-805-7530
AFS Wealth Mgt LLC, is a Michigan registered investment advisor. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the adviser has attained a specific level of skill or ability. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.
Or goal is to simplify the health and life insurance puzzle for you.
Medicare questions? You're not alone.
AFS Insurance Management is a family-owned independent insurance agency serving the Metro Detroit and Ann Arbor areas with a team of licensed health and life insurance specialists ready to help you navigate the ever-changing Medicare environment. As an independent insurance agency, we are authorized to offer competitive plans from several leading insurance carriers.
We understand the stress and anxiety involved in trying to select the best Medicare coverage, and not wanting to make the “wrong” decision when it comes to health coverage. Our goal is to simplify our client’s decision by answering three main questions so they get Medicare “right”:
First, what is the right time to enroll? There are a dizzying number of enrollment periods and if missed, there may be medical underwriting and permanent premium penalties.
Second, what is the right coverage? Just Original Medicare? A and B plus drug coverage? Original Medicare and a Supplement? What about Medicare Advantage? There are several different types of coverage, and what’s best for one person, may not be the best for another.
Third, what do the various types of Medicare cover and how do they work?
We hope that by educating our clients, they will be able to make an informed decision concerning their Medicare coverage and avoid the “but, no one ever told me that!” moments.
We offer several insurance options including Medicare supplements, Advantage, Drug plans, Vision and Dental, Final Expense Planning, and Annuities. Give one of our agents a call for a comprehensive review of your specific situation, to discuss your options, and to answer any lingering questions you may have.
You can reach us at (248) 888-7530 or complete and submit the form below for a quick online quote; we are here to clear up any Medicare confusion and provide you with all the information you need to make the “right” decision.
CONTACT US
AFS INSURANCE MGMT. | 22029 FARMINGTON ROAD | FARMINGTON, MICHIGAN 48336 | 248-888-7530 | 888-805-7530
AFS Wealth Mgt LLC, is a Michigan registered investment advisor. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the adviser has attained a specific level of skill or ability. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.
All the right services to get the job done.
AFS Insurance Management was founded with the goal of assisting clients in every aspect of their financial life. Our trusted partnership allows us to successfully navigate each client through life's important journeys, thus earning us a solid reputation in our industry.
Medicare Supplement ( Medigap Policies)
Original Medicare Parts A and B don’t cover all health care costs. Copays, coinsurance, and deductibles still exist. These standardized plans help pay for some of these coverage “gaps”.
Medicare Advantage Plans (Part C)
Medicare Advantage plans are run by Medicare approved private insurance companies and replace Parts A and B. Coverage is typically tied to a network (HMO or PPO). Part D Prescription Drug coverage may be included. Plan availability varies by county.
Prescription Drug Coverage (Part D)
The need for prescription drugs usually increases with age. These private insurance plans help cover the cost of outpatient prescription drugs. Drug coverage varies based on the different formularies – lists of covered prescription drugs, by plan.
Similar to Medicare Part B, there’s a permanent late enrollment penalty for each month enrollment in a Part D plan is delayed.
Dental and Vision Policies
Unlike many employee group health plans, Original Medicare doesn’t provide any dental or vision coverage. These policies help cover the cost for preventative care, as well as routine work. There’s usually a three to twelve month waiting period, before benefits begin.
Final Expense Planning
Commonly referred to as burial insurance, these plans are designed to pay for the costs associated with the passing of the insured. The benefit is payed quickly, and allows the surviving family members focus on what’s important during this time, not where the money to pay for funeral expenses will come from.
Annuities
Outliving their money is a real concern for today’s retirees. Annuities provide a unique opportunity to protect the principal from market volatility while still maintaining the upside of potential gains in the market.
AFS INSURANCE MGMT. | 22029 FARMINGTON ROAD | FARMINGTON, MICHIGAN 48336 | 248-888-7530 | 888-805-7530
AFS Wealth Mgt LLC, is a Michigan registered investment advisor. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the adviser has attained a specific level of skill or ability. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.
CONTACT US
Phil Putney
Phil has been in the financial services industry for over 20 years, both as a CPA and as an Investment Advisor. Phil has dedicated his career to helping his clients create sound financial strategies that are designed to provide confidence and peace of mind in retirement.
Phil's mission is to help seniors and soon-to-be-retirees take control of their financial future and make the best decisions possible for them and their loved ones. As Phil is often heard saying "if you don't have a plan, then whose plan are you following? The IRS's? The Social Security Administration?"
Phil's background and education as a CPA with a Masters in Taxation, his designation as a Personal Financial Specialist and Investment Advisor allow him to create comprehensive financial strategies that maximize your income, reduce your taxes, and grow your assets while reducing market volatility.
Phil is also one of Ed Slott's Master Elite IRA Advisors, a designation that is exclusive to a group of 278 of the top financial advisors in the country who are trained by Ed Slott.
Phil takes pride in providing his clients with the security & peace of mind that comes from knowing that you have a sound financial strategy that is designed to be defensive during times of market volatility and opportunistic during times of market growth. Phil and his financial strategies have been featured on FOX, PBS, WDIV, and the Wall Street Journal. Phil also publishes a weekly financial column that can be found here.
Meet our team of insurance specialists.
Brandon Klemm
Brandon Klemm is an enthusiastic professional with several years’ experience helping clients discover creative solutions to meet their needs. As a licensed insurance agent he focuses on helping develop an understanding of the different types of health and life insurance coverage available as they approach their 65th birthday.
Medicare has improved the health of millions of Americans since its inception in 1965, but it has grown increasingly complex and difficult to navigate. Brandon specializes in simplifying the many parts of Medicare. His goal is to empower clients to make an informed decision so they know exactly how they are protected from the curveballs life throws their way.
Brandon graduated from Olivet Nazarene University with a B.S. in Marketing.
Brandon has been happily married to his wife, Breanne, for the past 3 years. They have two beautiful children, Jackson, 2, their newborn daughter, Riley, and their border collie, Maggie, who thinks her purpose in life is to play fetch.
AFS INSURANCE MGMT. | 22029 FARMINGTON ROAD | FARMINGTON, MICHIGAN 48336 | 248-888-7530 | 888-805-7530
AFS Wealth Mgt LLC, is a Michigan registered investment advisor. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the adviser has attained a specific level of skill or ability. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.
Contact us here anytime or feel free to gives us a call. We look forward to getting to know you and help you advance your practice with proven methods and ideas now and into your financial future.
Contact us here anytime 24/7/365.
AFS INSURANCE MGMT. | 22029 FARMINGTON ROAD | FARMINGTON, MICHIGAN 48336 | 248-888-7530 | 888-805-7530
AFS Wealth Mgt LLC, is a Michigan registered investment advisor. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the adviser has attained a specific level of skill or ability. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.
