Luke Agency

Helping You Through the Medicare Maze

We can speak over the phone, at a virtual meeting, or in person.

About Us

Debbie Luke is a life and health insurance broker serving Tidewater and Hampton Roads Virginia. She specializes in Simplifying the Medicare Maze for seniors turning 65 years old and older. Clients learn about the different Medicare plans available to them and how to choose what will best fit their needs.

Ms. Luke also takes a comprehensive approach to how life and health insurance plays a part in their financial planning. For more than 20 years, Ms. Luke has been a Certified Public Accountant assisting companies in making better financial decisions. She looks forward to helping her clients make good choices from the many insurance options available.

Products

There are many facets to planning for retirement. I will assist with your health and financial wellbeing. Luke Agency is your solution to protecting your future.

Medicare is health insurance for people aged 65 or older, people under age 65 with certain disabilities, and/or people of any age with End-Stage Renal Disease, or ESRD (permanent).

PART A
Hospital Insurance
Helps to cover inpatient care in hospitals. Also helps to cover skilled nursing facilities, hospices, and home health care.

PART B
Medical Insurance
Helps to cover doctors’ services, outpatient care, and home health care. Also helps to cover some preventive services to help maintain your health and to keep certain illnesses from getting worse.

PART C
Medicare Advantage Plus (HMO or PPO)
A health coverage option run by private insurance companies approved by, and under contract with, Medicare.

Includes Part A, Part B, and usually other coverage like prescription drugs.

PART D
Medicare Prescription Drug Coverage
A prescription drug option run by private insurance companies, approved by and under contract with, Medicare.

Annuities are insurance contracts in which the company promises to pay a stream of income, either now or sometime in the future. Annuities can give clients the stability they are looking for during their retirement years. Annuity benefits include protection of principal from market volatility, fixed interest growth, tax deferral, and a predictable guaranteed lifetime stream of income.

FIXED ANNUITIES
Interest is set by the insurance company for a period of time.

FIXED INDEX ANNUITIES
Interest is credited based on the change of an index, such as the S&P 500. Because money is not actually invested in the index, there is never a risk of loss due to market fluctuations.

IMMEDIATE ANNUITIES
With an immediate annuity or SPIA, the insurance company will begin a guaranteed fixed income payment within a year from the contract issue. The client can choose a guaranteed lifetime payment, or typically a payment as short as 5 years, depending on their personal goals.

Life insurance is a sum payment, either on the death of the insured person or after a set period of time. There are many types of life insurance and solutions available.

FINAL EXPENSE
Simplified Issue Whole Life insurance. Geared towards the 65 and older market, with smaller face amounts, (typically $5,000 to $25,000.) These types of policies are not fully underwritten, but rather a quick issue with no parameds or apps. True guarantee issue plans are also available.

Health insurance is coverage that pays for medical and/or surgical expenses incurred by the insured. Health insurance can reimburse clients for expenses caused by illness or injury, or can pay the care provider directly.

CANCER INSURANCE
Lump-sum cancer insurance can help clients deal with the huge financial burden when they, or a loved one, is diagnosed with cancer.

Pays in addition to any other insurance clients may have.

CRITICAL ILLNESS
Statistics say that many individuals will, at some point, get diagnosed with or have Alzheimer’s, a heart attack, cancer, or a stroke, along with many other illnesses.

For dollars a day, clients could be covered from any unforeseen out-of-pocket costs.

DENTAL INSURANCE
Includes routine dental care. Plans generally cover some, or all, of the costs for oral exams, cleaning,s filings, and x-rays.

Affordable dental coverage- oral health doesn’t have to be costly. Dental health is overall health and affects one’s whole body.

DISABILITY INSURANCE
If a client becomes disabled and is unable to work, disability insurance will kick in to cover part of their lost wages.

Clients can receive short-term disability, (2 years or less,) or long-term disability right through retirement age.

HOSPITAL INDEMNITY
Payment in cash for clients when they have a hospitalization. Pays in addition to any other insurance.

Plugs up any coverage gaps one may have in their health policies.

Life insurance is a sum payment, either on the death of the insured person or after a set period of time. There are many types of life insurance and solutions available.

FINAL EXPENSE
Simplified Issue Whole Life insurance. Geared towards the 65 and older market, with smaller face amounts, (typically $5,000 to $25,000.) These types of policies are not fully underwritten, but rather a quick issue with no parameds or apps. True guarantee issue plans are also available.

INDEXED UNIVERSAL LIFE
Similar in nature to traditional universal life insurance. The biggest difference is how cash growth is accumulated. Instead of a stated interest rate, cash grows based upon the performance of a market index, such as the S&P 500.

LIFE INSURANCE WITH LONG-TERM CARE & CHRONIC/ CRITICAL ILLNESS WAIVERS
Life insurance for the living gives flexibility and cash when needed most during times of illness.

SINGLE PREMIUM FINAL EXPENSE
Simplified issue permanent life insurance available to clients up to age 85. Clients with a lump sum as low as $5,000 can pay a life insurance plan to help pay for burial expenses and pass on wealth fax-free.

TERM LIFE
Covers the client for a term, typically for 10 to 30 years. It does not build up any cash value. Typically sold as a cheap death benefit needed for a specific period of time.

UNIVERSAL LIFE
Flexible premium life insurance that can be structured to meet the goals and budgets of clients. Cash value is an option with universal life. Premium payments can be structured from one year to a lifetime.

WHOLE LIFE
Simplified issue permanent life insurance, available to clients up to age 85. Clients with a lump sum as low as $5,000 can pay a life insurance plan to help pay for burial expenses and pass on wealth tax-free. Geared towards the 60 and over market, due to its simplified issue underwriting. No parameds or apps are required.

Enroll

Connect4Medicare instantly quotes, compares, and allows you to enroll in a Medicare Advantage, Prescription Drug Plans, and Medicare Supplement Plans all in one place.

Contact us

Debbie Luke

Call Us

(757) 761-0812

Email Us

debbie@lukeagency.com

Our Location

780 Lynnhaven Pkwy Suite 400
Virginia Beach, VA 23452

By filling out this form, you agree that an authorized representative or licensed insurance agent may contact you via phone and/or email to answer your questions or to provide additional information about your insurance plan options.

This website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement insurance, Medicare Part C, and Medicare Part D. Your request for information will be routed to a licensed agent who can provide you with further information about the insurance plans offered by one or more of our third-party partners. Submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on the cost and coverage of this insurance.

We, and the licensed agents that may call you, are not connected with nor endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. For a complete listing please contact 1 (800) MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048, 24 hours a day/ 7 days a week, or consult www.medicare.gov.