We are in the business of helping people find the right coverage for their needs. We are contracted with multiple insurance carriers so you choose the plan that’s right for you

 

BEHIND THE SCENES

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Our Mission and Core Values:
  • We are dedicated to doing the right thing and being honest in all we do.
  • We strive to serve our clients with compassion and humility. We work hard to listen first and speak later so that we earn the trust of the clients that we serve.
  • We service and respond to the needs of others in a timely manner to help them find coverage suitable to their individual needs
We specialize in senior insurance products and tailor your insurance needs to fit you.

Meet Crystal Royster, Registered Nurse & Independent Licensed Insurance Agent:

Crystal Royster has been a registered nurse for over 25 years. For the past 19 years, Crystal has been providing care coordination for members of various insurance companies so they can get the care that they need. As of November 2020, she has transitioned from nursing to Insurance services with a focus on Medicare coverage options, Life Insurance and Annuities. Crystal helps people choose insurance plans that fit their needs and give them access to the quality care that they deserve.

As a Licensed Insurance Advisor, Crystal helps you review and evaluate Medicare and other insurance plans and their benefits. She also educates and guides you in choosing a suitable Insurance plan that fits your needs. The advantage of Crystal representing different insurance companies, is that you get to choose from a wider variety of plans when working with her and since she’s not bound to just one insurance company, Crystal can usually provide you with objective recommendations for Medicare and other insurance coverage.

Given Crystal’s nursing background and experience working with several insurance companies over the past 19 years, she has the knowledge, compassion and insight to help clients obtain the insurance coverage that they need. Whether you need a Medicare Advantage plan, Critical Illness Plan, an Annuity or Life insurance, Crystal has you covered! She will help you find the coverage that fits your needs as she is well-versed in insurance matters and will work in your best interest.


If You Are Ready to Enroll In A Medicare Plan After Speaking With Us, Click Here

Annuities

Annuities

An Annuity is an insurance contract. Annuities provide insurance against the risk of outliving your money after you stop working. You get the potential to grow your retirement savings and create guaranteed income for life so you can retire your way. Contact us today to find out if an annuity is right for you.

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Medicare Advantage

Medicare Advantage

If you're looking for an affordable Medicare Advantage Plan with the good coverage, it's time to speak with us. We specialize in Medicare Advantage Plans.

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Medicare Supplement Plans

Medicare Supplement Plans

Get help with unexpected medical costs that aren't covered by Medicare with supplemental coverage. Speak with your local Medicare insurance advisor on medicare supplement insurance today.

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Medicare Prescription Drug Plans

Medicare Prescription Drug Plans

Medicare Part D is the prescription drug benefit part of Medicare that covers most outpatient prescription drugs. If you need help finding a prescription drug plan to pair up with your Original Medicare, contact your local Medicare Insurance advisor and licensed insurance agent today.

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Hospital Indemnity Plans

Hospital Indemnity Plans

Hospital indemnity insurance is a supplemental insurance plan designed to pay for the costs of a hospital admission that may not be covered by other insurance.

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Long Term Care Insurance

Long Term Care Insurance

Long-term care insurance insurance helps pay for the costs associated with long-term care.

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Final Expense Life Insurance

Final Expense Life Insurance

Final expense policies are a type of permanent life insurance with a lower death benefit meant to pay for end-of-life and burial expenses.

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Stroke/Heart Attack/Cancer Insurance

Stroke/Heart Attack/Cancer Insurance

A Critical Illness like Cancer, Heart Attack or Stroke, can be a huge financial burden.

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Disability Insurance

Disability Insurance

Disability income insurance provides supplementary income in the event an illness or accident results in a disability that prevents you from working at your regular employment.

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Short Term Care Insurance

Short Term Care Insurance

Short-Term Care insurance helps cover the cost of different types of care in the home or in a facility for up to 360 days.

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A fixed indexed annuity is an insurance product designed for long-term retirement savings that can create a guaranteed stream of income or “retirement paycheck” to supplement your other income sources, such as Social Security, pensions, 401(k)/IRAs and personal assets. Plus, you have the potential to grow your income amount over time, while protecting any gains from loss due to market downturns.

Is a fixed indexed annuity right for me?

FIAs are designed to meet a variety of needs and can be a valuable addition to your retirement plan to help you feel more confident about your financial future and be better prepared for life’s uncertainties.

“Planning for a secure retirement requires a personalized approach, so it is important for financial professionals and their clients to consider savings vehicles that can provide growth and protection for both present and future financial needs.

Explore if a FIA is right for your risk tolerance, goals and the lifestyle you hope to enjoy in retirement by speaking with your financial professional, Crystal Royster at 336-255-0633

Learn more about fixed index annuities ​​​


If you’re new to life insurance, it can be overwhelming to sift through all the information out there. Learn the basics and find out what you need to make an informed decision.

What You Need to Know About Life Insurance​​​
View or Listen to Social Security publications and other resources online

Social Security Publications Library​​​
Planning For Your Financial Future
My Social Security’s Four Super Powers


Medicare Supplement Coverage is designed to cover expenses not covered (or only partially covered) by the "original Medicare" (Parts A & B) fee-for-service benefits. They are only available to individuals enrolled in Medicare Parts A & B. Medigap plans may be purchased on a guaranteed issue basis (no health questions asked) during a six-month open enrollment period when an individual first becomes eligible for Medicare. The benefits offered by Medigap plans are standardized.

Medicare Resources:
Medicare.gov​​​
Centers for Medicare & Medicaid Services​​​
Social Security Administration ​​​
Department of Health & Human Services​​​
A number of leading insurers now offer coverage that is often referred to as "Short-Term Care". The American Association for Long-Term Care Insurance established the National Advisory Center to help create heightened awareness of this valuable planning option. The typical Short-Term Care insurance (STCi) policy provides coverage for 1 year or less. For many people, this is a very appropriate and affordable amount of coverage.
What You Need to Know About Fixed Index Annuities (FIA)

A fixed indexed annuity (FIA) may help you map out a sound income plan for the years ahead. Learn more by contacting us at 336-255-0633

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1 min read
What is Final Expense insurance?

Final Expense insurance is a form of permanent insurance that covers a wide range of expenses you leave behind. They can include your funeral, legal fees, medical bills, and more.

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3 min read
How to enroll in Medicare if you missed your Initial Enrollment Period

If you missed your Initial Enrollment Period (IEP) and need to enroll in Medicare, you likely will have to enroll during either a Special Enrollment Period (SEP) or the General Enrollment Period (GEP).

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1 min read
What You Need to Know about Hospital Indemnity Plans

Hospital indemnity benefits are paid in addition to any other benefits that may be available, and are typically used to pay out-of-pocket and non-covered expenses associated with the primary medical plan, and to help with additional expenses incurred while in the hospital.

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1 min read
Understanding the Real Reason for Life Insurance-It's Called "Love Insurance"
  • 1451 South Elm-Eugene Street, Greensboro, NC, USA

Contact us for a quote or to set up a time to discuss your insurance needs. By providing your information above, you are granting permission for a licensed insurance agent to contact you regarding your Medicare options, life insurance and annuities


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