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Medicare is health insurance for people aged 65 or older, people under age 65 with certain disabilities, and-or people of any age with End-Stage Renal Disease, or ESRD (permanent).

Final Expense

Simplified Issued Whole life insurance. Geared toward the 65 and older market place with smaller face amounts typically $5,000 to $25,000. These types of policies are not fully underwritten but rather quick issue with no parameds or aps’. True guarantee issue plans are available.

Life Insurance

Life Insurance is a sum payment either on the death of the insured person, or after a set period. There are many types of life insurance and solutions that Pinnacle Financial Services makes available for their partner agents and agencies.


Annuities are insurance contracts in which the company promises to pay a stream of income, either now or sometime in the future. Annuities can give clients the stability they are looking for during their retirement years. Annuity benefits include protection of principal from market volatility, fixed interest growth, tax deferral, and a predictable guaranteed lifetime stream of income.

Long-Term Care

Long-Term Care (LTC) is a range of services and supports your clients may need to meet their personal care requirements. Most long-term care is not medical care, but rather assistance with the basic tasks of everyday life, sometimes called the Activates of Daily Living (ADLs), such as bathing, eating, continence, dressing, toileting, and transferring.

Short-Term Care

Short-Term Care (STC) is an insurance program designed to meet pay for short duration, long-term care services typically not more than one year in duration. Typically these programs are less expensive and more streamlined on the underwriting process than a traditional long-term care program.


Includes routine dental care. Plans generally cover some, or all, of the costs for oral exams, cleanings, filings, and x-rays. Affordable dental coverage- oral health doesn’t have to be costly. Dental health is overall health, and affects one’s whole body.

Ancillary Products

An ancillary product is a product that is acquired as a bonus or add-on purchase when buying another product. Insurance policies can be purchased as ancillary products.

Underage Health Products

Underage health insurance products are health insurance for individuals and families.

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Contact a Pinnacle Financial Service representative today for assistance.