Your Trusted Guide to Securing Your Future: Meet Donnie

Welcome to my website! My name is Donnie Lucas, and I am dedicated to helping you navigate the complex world of insurance. With over four years of experience as a licensed Life and Health Insurance agent, I have had the privilege of assisting countless individuals and families in securing their financial future.

I am AHIP certified with Medicare, which means I have the expertise and knowledge to guide you through the intricacies of Medicare Advantage plans. My goal is to help you find the best coverage that meets your healthcare needs and budget.

Throughout my career, I have seen firsthand how life insurance can profoundly change people's lives. It provides peace of mind, financial security, and a lasting legacy for loved ones. On the other hand, I have also witnessed the heartbreaking reality of families turning to GoFundMe accounts on social media to cover funeral expenses due to a lack of adequate insurance coverage.

One of the most amazing experiences happened a couple years ago. I was trying to track down a client to update some information on his policy. I could not locate him or his address, but being in a small town it wasn't difficult to locate a close relative. I knocked on the door of his daughter and found out that her father who owned this policy had passed away, and so had her son, all within the last 12 months. Her home also had burned to the ground that year. She was unaware that her father had a policy on her son. While this large insurance policy did not bring back her loved ones, it did help her in this financial hardship so she could properly grieve the loss of her father and her young son.

These experiences fuel my passion for helping my clients make informed decisions about their insurance needs. Whether you are looking for life insurance, Medicare Advantage plans, or annuities, I am here to provide personalized guidance and support every step of the way. I do not work with all the companies but I do work with most of them, such as Humana, Anthem, Aetna, Transamerica, Athene, etc.

Thank you for visiting my website. I look forward to the opportunity to assist you in securing the protection and peace of mind you deserve.

Frequently Asked Questions

Common Questions Answered for your convenience.

Is there a waiting period for Life Insurance?

When coverage begins is based on your age and health. Most of the time I can find a product with a standard rating with day one coverage. Schedule a call with me to verify underwriting guidelines.

Who is eligible for a Medicare Advantage Plan?

Be eligible for Medicare. Be enrolled in both Medicare Part A (Hospital Insurance) and Part B (Medical Insurance)Live within the plan's service area, which is based on your county of residence. Pay the Medicare Part B premium. Not have End Stage Renal Disease (ESRD) at the time of enrollment 

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Do you offer Term Policies or Indexed Universal Life Policies?

Yes! I offer up to 30 year Term Policies, with Living Benefits. Also Universal Policies that are common for self-employed contractors, and this also has an option for a Long-Term Care Rider to protect your assets if you ever need Nursing Facilities or in Home Health Care.

Should I have my money in the market?

Having investments in the Money Market is perfectly fine when you have time to recover from losses in the stock market. When you are nearing retirement your funds need to be protected from losses.

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When can I enroll in Medicare?

Typically within 3 months of your 65th Birthday. Annual Enrollment Period for Medicare is October 15th through December 7th every year.

Can I keep my employer health insurance and enroll in Medicare Advantage Plan?

Yes, you can. You actually may want to drop your employer insurance and save some money. If you keep both, your Employer's plan will be billed first and then what is not covered will go to the secondary provider, i.e. Medicare. For more information schedule a consultation.

When can I change my Medicare Advantage Plan?

Typically October 15th through December 7th annually, or if you are already enrolled in a plan you can change that plan January through March.

If you are on Medicaid then you have more opportunities to change your plan throughout the year. Please feel free to contact me for more information.

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Can I keep my current doctor with a Medicare Advantage plan?

LPPOs - Preferred Provider Organization plans (PPOs) do not require you to choose one primary care physician. Instead, you can see any doctor or specialist you wish to. The services may cost more if you visit doctors outside of your plan.

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