Q1: What is the difference between Medicare Advantage and Medicare Supplement?
A: Medicare Advantage is an all-in-one alternative to Original Medicare, often including extra benefits like vision, dental, and prescription coverage. Medicare Supplement (Medigap) helps cover out-of-pocket costs like copayments, deductibles, and coinsurance.

Q2: Who is eligible for a Medicare plan?
A: You may qualify if you’re age 65 or older, or under 65 with certain disabilities. Eligibility also applies to individuals with End-Stage Renal Disease (ESRD).

Q3: When can I enroll in Medicare?
A: You can enroll during your Initial Enrollment Period (around your 65th birthday), Annual Enrollment Period (October 15–December 7), or a Special Enrollment Period if you have qualifying life changes.

Q4: Do Tamarisk advisors help compare plans?
A: Yes, we provide personalized consultations to compare plans side by side, ensuring you get the coverage that fits your health needs and budget.

Q1: What is Final Expense Insurance?
A: Final Expense insurance is a small, whole life policy designed to cover end-of-life expenses like funeral costs, medical bills, and outstanding debts, reducing financial stress for your loved ones.

Q2: How much coverage do I need?
A: It depends on your goals. Many families choose $10,000–$25,000 to cover funeral and burial costs, but we tailor recommendations to your unique situation.

Q3: Is there a medical exam required?
A: Most final expense plans require only a short health questionnaire—no medical exam—making it easier to qualify.

Q4: Can I get coverage if I have health issues?
A: Yes. Many final expense policies are available for people with health conditions, and we’ll help you find a plan that fits.

Q1: What is Whole Life Insurance?
A: Whole Life is a permanent life insurance policy that provides lifelong coverage, builds cash value, and offers guaranteed premiums that never increase.

Q2: How does cash value work?
A: A portion of your premium goes into a cash value account, which grows tax-deferred over time. You can borrow against it or use it for emergencies, retirement, or other needs.

Q3: Is Whole Life insurance good for leaving a legacy?
A: Yes, Whole Life policies are often used to build generational wealth, provide for children or grandchildren, and leave a guaranteed inheritance.

Q4: How is Whole Life different from Term Life?
A: Term Life provides coverage for a set period (10–30 years) and is often lower cost, while Whole Life lasts your entire lifetime, includes cash value, and guarantees benefits as long as premiums are paid.

Q1: What is estate planning and why is it important?
A: Estate planning is the process of organizing how your assets, property, and responsibilities will be managed and distributed after your death or if you become incapacitated. It ensures your wishes are followed and your family is protected.

Q2: Do I need an estate plan if I don’t have many assets?
A: Yes. Estate planning isn’t just for the wealthy—it covers healthcare directives, guardianship of minor children, and smooth asset transfers, regardless of your estate size.

Q3: What’s included in an estate plan?
A: A comprehensive estate plan typically includes a will, power of attorney, healthcare directives, trusts (if needed), and beneficiary designations.

Q4: How often should I update my estate plan?
A: You should review and update your estate plan after major life events (marriage, divorce, birth of a child, inheritance) or every 3–5 years.

Q5: Can Tamarisk help me create an estate plan?
A: Yes. Through our partnerships, we provide tools and resources such as NetLaw to create legally binding estate plans, along with guidance on how to protect your family and assets.

Q6: What happens if I don’t have an estate plan?
A: Without an estate plan, state laws decide how your assets are distributed, which may not align with your wishes. It can also lead to delays, higher costs, and added stress for your family.