Prevent loss of legacy, home, or business.

Pass on wealth tax free to loved ones;

insuring continuance or enhancement of

lifestyle. Was your Life policy purchased

before 2020?

New rates = Lower Premiums:

- Life Insurance – all ages

- Final Expense/Funeral/Legacy

- Death Benefit & Income Protection

- Mortgage or Term Insurance

- Life/LTC Hybrid plans

- College Preparation/loan opportunities

- Estate Planning

LIFE INSURANCE /

FINAL EXPENSEEverything we do builds

from the “people first”

foundation. It’s a credo we

live by. American Senior

Benefits (ASB) is dedicated

to making insurance

decisions easier, more

informed, and highly

personalized for our

clients.

Transition from asset accumulation to income

generation and asset distribution with:

- Pension Maximization /Pension Protection Act

- Guaranteed Lifetime Income options

- Avoid Income Loss from accidents, illness

or disability

- Social Security Preparation

- Tax Reduction / Deferred income

benefits at retirement.

- IRA & ROTH IRA

- Rollover IRA

- SEP IRA

RETIREMENTPLANNING

*Please consult a tax professional before making tax decisions.

Schedule a complimentary consultation with our retirment

planning team, Pete Orth & Dave Ramstack.

Learn about the new face of Long-Term

Care:

- Individual or Group Education Sessions

- Protect assets from spend down

- Previously denied? *NEW Hybrid

options

- Get the care you need in the comfort of

your own home. You choose!

LONG-TERM CARE

PLANNING

HEALTH INSURANCE

FOR ALL AGES

Educate and review annually all health

care options and costs.

- MNsure: major medical, under 65

- Medicare: 65+ or SS Disability

- Part D: Prescription Drug

- Cancer/ Stroke/ Critical Illness/

Disability

- Dental & Vision

OUR PARTNERS

John Markve

e/ jamarkve@mzlaw.us

ATTORNEY SERVICES

p/ (763) 420- 8943

David Sprout

Christy Carr NMLS# 347252

e/ christycarr@amecinc.com

AMEC HOME LOANS

p/ (612) 408-1781

Joel Jacobson

e/ jjacobson@agency10.com

HOME & AUTO INSURANCE

p/ (952) 239-7353

Hand-selected providers who not only care about the services

they offer, but also about the entire experience they create.

Dale Sprout

CERTIFIED PUBLIC ACCOUNTANT

p/ (763) 898-3536

ENROLLED AGENT

e/ david@sprouttaxandaccounting.com

Company and product availability varies by state, please see the companies product availability for what is ready for use in your state. A.M. Best’s rating is assigned after a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance, and business profile. A.M. Best uses a scale of 15 ratings, ranging from “A++” to “F”.

It’s our goal to provide solutions to these concerns. In keeping with our promise we offer nothing but the best products from Industry leaders.

MEDICARE SUPPLEMENT « American Continental - Rated “A (Excellent)” « American Retirement Life Insurance Company

– Rated “A- (Excellent)” « Assured Life Association - Rated “A+

(Superior)” « Bankers Fidelity Life Insurance Company –

Rated “A- (Excellent)” « Central State Indemnity – Rated “A+

(Superior)” « Equitable Life & Casualty – Rated “B (Fair)” « Gerber Life - Rated “A (Excellent)” « Loyal American Life Insurance Company® -

Rated “A- (Excellent)” « Medico Insurance Company – Rated “A-

(Excellent)” « Mutual of Omaha - Rated “A+ (Superior)” « United Healthcare (UHC) Medicare Advantage

& AARP’s Medicare Supplement plans - Rated “A (Excellent)”

LONG-TERM CARE « Genworth Life– Rated “A (Excellent)” « Lincoln Money Guard - Rated “A+ (Superior)” « Mutual of Omaha – Rated “A+ (Superior)” « TransAmerica – Rated “A+ (Superior)”

ANNUITIES « Allianz – Rated “A+ (Superior)” « American Equity – Rated “A- (Excellent)” « Americo – Rated “A- (Excellent)” « Athene Annuity & Life Assurance Company –

Rated “B++ (Good)” « Athene of Iowa – Rated “A (Excellent)” « EquiTrust Life Insurance Company – Rated

“B++ (Good)” « Great American Life Insurance Company®

(GALIC) - Rated “A (Excellent)” « Life of the Southwest – Rated “A (Excellent)” « National Western – Rated “A (Excellent)” « Nationwide Life Insurance Company – Rated

“A+ (Superior)” « North American Company - Rated “A+

(Superior)” « One America – Rated “A+ (Superior)” « Royal Neighbors of America – Rated “A-

(Excellent)”

LIFE INSURANCE « Americo – Rated “A- (Excellent)” « Ameritas Life Insurance Corp – Rated “A+

(Superior)” « Continental Life – Rated “A (Excellent)” « Foresters - Rated “A (Excellent)” « Lafayette Life – Rated “A+ (Superior)” « Lincoln Financial – Rated “A+ (Superior)” « Monumental Life – Rated “A+ (Superior)” « North American Company - Rated “A+

(Superior)” « Protective Life - Rated “A+ (Superior)” « Royal Neighbors of America – Rated “A-

(Excellent)” « TransAmerica – Rated “A+ (Superior)”

A A R O NM I T C H E L T R E ER E T I R E M E N T S P E C I A L I S T

WHY ME!“I know there are a lot of people competing for your timeright now.  Interview me and allow me the chance tobe the “professional you wouldn’t be without”.  My goalis always to blow your socks off with value so you’ll runand tell everyone about me!”

Aaron MitcheltreeC/ (612) 358-8890

O/ (763) 559-8200 x126E/ aaron.mitcheltree@gmail.com

W/ www.asbmn.comAmerican Senior Benefits (MG)

7094 East Fish Lake RoadMaple Grove, MN 55311

LET’S CHAT

Master’s degree in Business Management

12-year Navy veteran (Chief Petty Officer)

Two deployments onboard aircraft carriers

Licensed and backgrounded by the State

Secret security clearance in Military

A total budget nerd (Dave Ramsey Master Coach)

EDUCATION

HOME LIFEBorn in Black Hills, SD

Married for 10+ years with 2 sons and 2 dogs

Led several faith-based men’s groups

Owns a 2006 Harley Heritage Softail

Does most of his own home repairs and renovations

Would rather listen to an audio book than watch TV

Favorite shoes would be hiking boots

Ridden with the buffalo (ask about this one!)

Visited 16 different countries

Would like to carve a canoe someday

Heart of a Teacher (education comes before a

decision)

Provides ALL the facts and answers ALL your questions

A professional problem solver

Manages & maintains rental investments

KEY ABILITES

Confidential Needs AnalysisFor your Peace of Mind

Financial ProtectingSecurity your Health

Annuities Critical IllnessRetirement Hospital Doctors

Savings SurgeryEmergency Fund Prescriptions

Planning PreservingYour Freedom of

Estate Choice

Final Expenses Long Term CareSpousal Support Home Health Care

Gifting Assisted LivingTaxes

SENIOR BENEFITSFor Agent Use Only. Not Intended for Consumer Use. Putting people back into the people business

ASB-9- 00 04

THE OFFICIAL U.S. GOVERNMENT MEDICARE HANDBOOK

MEDICARE& YOU

2020

6

Your Medicare optionsWhen you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are 2 main ways to get Medicare:

Original Medicare• Original Medicare includes Medicare

Part A (Hospital Insurance) and Part B (Medical Insurance).

• If you want drug coverage, you can join a separate Part D plan.

• To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also shop for and buy supplemental coverage.

• Can use any doctor or hospital that takes Medicare, anywhere in the U.S.

Medicare Advantage(also known as Part C)

• Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.

• Plans may have lower out-of-pocket costs than Original Medicare.

• In most cases, you’ll need to use doctors who are in the plan’s network.

• Most plans offer extra benefits that Original Medicare doesn’t cover— like vision, hearing, dental, and more.

Part A

Part B

You can add:

Part D

You can also add:

Supplemental coverage

(Some examples include coverage from a Medicare Supplement Insurance (Medigap) policy, or coverage from a former employer or union.)

Part A

Part B

Most plans include:

Part D

Extra benefits

Some plans also include:

Lower out-of- pocket costs

See Section 3, which starts on page 51 to learn more about Original Medicare.

See Section 4, which starts on page 55, to learn more about Medicare Advantage.

9

SECTION

Medigap Basics2 What’s a Medigap policy? A Medigap policy is an insurance policy that helps supplement Original Medicare and is sold by private companies. A Medigiap policy can help pay some of the remaining health care costs that Original Medicare doesn't pay for covered services and supplies, like copayments, coinsurance, and deductibles. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. These are “gaps” in Medicare coverage. If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare‑approved amounts for covered health care costs. Then your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan (like an HMO or PPO) because those plans are ways to get Medicare benefits, while a Medigap policy only supplements the costs of your Original Medicare benefits. Note: Medicare doesn’t pay any of your costs for a Medigap policy.All Medigap policies must follow federal and state laws designed to protect you, and policies must be clearly identified as “Medicare Supplement Insurance.” Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it.

Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.

14 Section 2: Medigap Basics

When’s the best time to buy a Medigap policy? The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This period lasts for 6 months and begins on the first day of the month in which you’re both 65 or older and enrolled in Medicare Part B. Some states have additional Open Enrollment Periods including those for people under 65. During this period, an insurance company can’t use medical underwriting to decide whether to accept your application. This means the insurance company can’t do any of these because of your health problems:• Refuse to sell you any Medigap policy it offers • Charge you more for a Medigap policy than they charge someone with no

health problems• Make you wait for coverage to start (except as explained below) While the insurance company can’t make you wait for your coverage to start, it may be able to make you wait for coverage related to a pre‑existing condition. A pre‑existing condition is a health problem you have before the date a new insurance policy starts. In some cases, the Medigap insurance company can refuse to cover your out‑of‑pocket costs for these pre‑existing health problems for up to 6 months. This is called a “pre‑existing condition waiting period.” After 6 months, the Medigap policy will cover the pre‑existing condition. Coverage for a pre‑existing condition can only be excluded if the condition was treated or diagnosed within 6 months before the coverage starts under the Medigap policy. This is called the “look‑back period.” Remember, for Medicare‑covered services, Original Medicare will still cover the condition, even if the Medigap policy won’t, but you’re responsible for the Medicare coinsurance or copayment.

Words in blue are defined on pages 49–50.