In partnership with Healthcare Solutions Team and Cornerstone Senior Services.

Customizing, simplifying, and solving health insurance problems and easy life insurance plans for everyday people. 

Below are FOUR areas where you can begin your search. Contact us  to ask questions or discuss your personal situation. We'll work together to make sure you're covered!

Many are confused about his or her healthcare options - and rightly so. Politicians and media reports cannot be relied upon for a clear and unbiased explanation. That's where we come in. We help sort it all out and narrow down the direction you should be looking. Then compare every option in that direction. 

Life insurance doesn't have to be difficult either.

Ethos Life Insurance quotes are quick and easy

It doesn't have to be confusing. Let me do the research for you. I can help you understand your best options based on these major areas:

1. Your health needs

2. Your budget

3. Your family health history

4. Your long term and short term financial goals

If you are someone who loves to research and get your own quotes, below are a few options for you to explore. Also, check out the links in the "Get a Quote" section of my website.

Your most valuable asset is not your house, car, or retirement account. It’s your ability to make a living.

Disability insurance pays a portion of your income if you are not able to work for an extended period because of an illness or injury.

The chance of missing months or years of work because of an injury or illness may seem far-fetched, especially if you’re young and healthy and you work at a desk. But more than one in four 20-year-olds will experience a disability for 90 days or more before they reach 67, according to the Social Security Administration. 

Disability policies vary in how they define “disabled":

• Some policies pay out only if you are unable to work any job for which you are qualified.
• Others pay out if you are unable to perform a job in your occupation.
• Some policies cover partial disability, which means they pay a portion of the benefit if you are still able to work part-time.
• Others pay only if you are not able to work at all.

We'll make sure you get the right policy for you and your family!

We work hard to make sure you have the financial security you want for you and your family. And, you’ve tried to plan for the surprises that life may bring in the future. But even the most well-thought-out plans may not be enough to prepare you for the unexpected costs associated with long-term care.

It's easy to learn more about your options for protecting the people that mean the most to you. 

Long-Term Care may benefit:

• Families who want to help protect their loved ones, lifestyle and assets.
• Retirees and Pre-retirees who want to preserve the money they have worked so hard to save.
• Individuals who may not have someone to care for them or significant assets to pay for these costs.

Medicare by itself has a high-deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement policy covers all, or most out-of-pocket medical expenses, providing you with peace of mind and potential savings.

Dayney Agency will guide and help sort through the numerous Medicare options for you. We can also help you choose a Medicare prescription plan that includes your specific medications. Don't feel like you've been left in the dark.

Let us do the research for you! Then clearly explain the options and coverages.

Offering benefits to your employees will attract a higher caliber of worker and make your company more successful and more profitable.

When an applicant looks for employment, the TWO most important factors they consider are Salary and Benefits. At Dayney Agency, we'll help you retain better employees by setting up your company with an affordable and attractive Employee Benefits Package.

*Did you leave your job and start a new one without COBRA or benefits in place from Day 1? Tim Dayney can also help you understand your options.

Expect the unexpected and travel with ease knowing your trip is covered.

No insurance policy can foresee the future, but having Travel Insurance can help provide some security in knowing you have some options in place in the event unexpected happens during your trip.