Documents & Videos

Ray and Anna Shores, President and Director of Accounting

Products & Services

Insurance and financial products can solve many problems– present and future.  As independent brokers, we can sift through many companies and offerings to find good solutions for you. 

Your policy contract overrides all general overviews presented on this website.  You must read your policy, consumer brochures, illustrations, and all documents provided by the insurance company when you consider, purchase, and take delivery of your policy.

Newest Documents & Videos

Medicare Supplement or Medicare Advantage?

This video explains the 3 main differences, in our opinion, between Original Medicare, with a Medicare Supplement insurance policy, and Medicare Advantage in Mississippi for people who are not on Medicaid nor group coverage in calendar year 2026.

A lot of pressure is being applied on people to enroll in Advantage plans.  Agents are even willing to defy the rules by calling and texting people who have not requested information.  Many people fall prey to this pressure.

This video will help you make an informed decision.  It’s only 15 minutes long.

Shopping for a Lower Priced Medicare Supplement Premium

This video explains why your premium increases and how we can help you reduce it without compromising the quality of your coverage and even without changing plan types unless you want to.  The steps we take to lower your premium are clearly explained so you can be confident that you’re working with people that know what they’re doing.

The video is only 9 minutes long and very worthwhile!

Annuities

Videos:

Annuity videos are coming soon.

Information & Documents:

Read general information about Annuities.
Get answers to common questions, including...

• How do required minimum distributions (RMDs) work with annuities?
• How can I receive guaranteed lifetime income through an annuity?
• What type of annuity is right for me?
• How do annuities work?
• For retirement planning, should I use annuities or certificates of deposit?
• What is compound interest?

IRAs & Rollovers

Videos:

IRA and rollover videos are coming soon.

Information & Documents:

Read general information about IRAs and rollovers.
Get answers to common questions, including…

• How can I prepare for inflation during retirement?
• Can an annuity be an IRA (yes)?
• Can a retirement plan be rolled over into an annuity (yes).
• Should I rollover my retirement plan into an annuity or a CD?

Disability Income Insurance

Videos:

Videos are coming soon.

Information & Documents:

Read general information about Disability Income insurance.

Download the Buyer’s Guide to Disability Insurance.

Life Insurance & Wealth Transfers

Videos:

Videos are coming soon.

Information & Documents:

Read general information about Life insurance and Wealth Transfers.
Read about Wealth Transfer, probate, and taxes.

Download the Life Insurance Buyer’s Guide.

Get answers to common Life Insurance questions, including…

• At what age should I buy or cancel life insurance?
• How do I choose an appropriate life insurance policy?
• Can I convert term life policy into a permanent policy?
• Can life insurance play a role in retirement planning?
• How do I access (borrow) the cash value in a life insurance policy?
• Can a life insurance rider help with the cost of care when I can’t function on my own?

Long & Short Term Care Insurance

Videos:

Videos are coming soon.

Information & Documents:

Read general information about Long and Short Term Care.

Download the Shopper’s Guide to Long-Term Care Insurance.

Medicare Supplement Insurance

Videos:

Shopping for a Lower Priced Medicare Supplement Premium?

This video explains why premiums increase and how we can help you reduce them without compromising the quality of your coverage and even without changing plan types unless you want to.  Each of the steps we take in the process of lowering your cost is explained.

The video is only about 9 minutes long and very worthwhile!

Medicare Supplement or Medicare Advantage?

This video explains the 3 main differences, in our opinion, between Original Medicare, with a Medicare Supplement insurance policy, and Medicare Advantage in Mississippi for people who are not on Medicaid nor group coverage in calendar year 2026.

A lot of pressure is being applied on people to enroll in Advantage plans.  Agents are even willing to defy the rules by calling and texting people who have not requested information.  Many people fall prey to this pressure.

This video will help you make an informed decision.  It’s only 15 minutes long.

Information & Documents:

Read general information about Medicare Supplement insurance.

Download Choosing a Medigap Policy, 2025.

Download the generic version of Medicare and You, 2026. 
Download the Mississippi-specific pages of Medicare and You, 2026.