Our Services
At Lanady Life & Health Insurance, we don’t just sell policies — we deliver peace of mind. We help you understand, choose, and maintain coverage that fits your health, lifestyle, and tomorrow. Below are the core services we offer, each backed by clear explanations and support every step of the way.
Medicare Services
Your health coverage is too important to leave uncertain. We guide you through all your Medicare options and help you find the best fit:
Medicare Advantage (Part C)
Combines hospital, medical, and often drug coverage in one plan.
Medicare Supplement (Medigap)
Helps cover the gaps left by Original Medicare (like deductibles and coinsurance).
Prescription Drug Plans (Part D)
Add-on drug coverage so you don’t face unexpected costs.
Extra Benefits:
Many Advantage plans include dental, vision, hearing, wellness programs, OTC cards, transportation, and more.
We’ll walk you through each choice in plain language, helping you compare benefits, costs, and networks so your coverage matches your needs.
Life Insurance & Protection Plans
Because life is unpredictable. We help you safeguard your future and your loved ones with the right policy for your situation:
Term Life Insurance
Affordable coverage for a set period (e.g. 10, 20, 30 years).
Whole Life / Universal Life Insurance
Long-term, permanent coverage with potential cash value.
Vision Final Expense / Burial Plans
Designed to relieve your family’s costs after you’re gone.
Supplemental & Critical Illness Plans
Extra protection for serious health events (e.g. heart attack, stroke, cancer) and hospital stays.
Hospital Indemnity Insurance
Adds cash payments during hospital stays to help with out-of-pocket costs.
Cancer Plans / Specified Disease Coverage
Focused protection that helps with treatment costs, travel, and household expenses during care.
We compare carriers and designs, then tailor recommendations based on your health, age, and financial goals.
GTL’s Cancer, Heart Attack & Stroke Insurance
Protect Your Health and Financial Stability
Unexpected illnesses such as cancer, heart attacks, or strokes can bring not only emotional stress but also significant financial strain. GTL’s Cancer, Heart Attack, and Stroke Policy provides lump-sum cash benefits directly to you upon diagnosis—giving you the financial flexibility to focus on recovery, not expenses.
Key Features:
Lump-Sum Benefit: Receive a tax-free cash payout upon the first diagnosis of a covered condition.
Use Funds Your Way: Pay for medical bills, deductibles, travel for treatment, or household expenses—there are no restrictions.
Multiple Coverage Levels: Choose benefit amounts that fit your needs and budget.
Affordable Premiums: Competitive rates with flexible payment options.
Family Coverage Available: Protect yourself, your spouse, and dependents under one plan.
Guaranteed Renewable: Your coverage cannot be canceled as long as premiums are paid on time.
Prescription Drug, Dental & Vision Plans
Managing medication and routine care shouldn’t be a financial burden. We help you find plans that keep prescriptions and preventive care affordable.
Prescription Drug Plans (Part D)
Compare formularies, tiers, and pharmacy networks to minimize your out-of-pocket drug costs.
Dental Plans
Routine cleanings, exams, and restorative services to help maintain oral health.
Vision options
Annual eye exams, plus allowances for glasses or contact lenses to keep your vision clear.
Hearing Options
Screenings, exams, and discounts or allowances for hearing aids to support better hearing health.
We’ll match your medications and providers to plans that deliver the best value and convenience.
Ongoing Support & Advocacy
At Lanady, our relationship doesn’t end after enrollment — it’s just the beginning. We’re your trusted partner, helping you adapt as your health needs, coverage, and life circumstances evolve.
Plan Management & Annual Reviews
We proactively review your coverage each year to ensure your plan continues to meet your needs and budget. If a better option becomes available, we’ll bring it to your attention.
Claims & Billing Assistance
From denied claims to confusing medical bills, our support team helps resolve issues quickly — saving you time, frustration, and unnecessary costs.
Renewal & Adjustment Guidance
As premiums, deductibles, or benefits change, we provide clear, data-driven recommendations to help you stay protected without overpaying.
Education & Empowerment Resources
Access easy-to-understand guides, webinars, and FAQs that help you stay informed about Medicare changes, your benefits, and your rights as a policyholder.
If you prefer Original Medicare, a Medigap plan can make your costs far more predictable — we’ll show you how.
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