Tom Minich - Insurance Agent

I’ve recently updated my website to better explain how I help individuals and families with life, health, and Medicare coverage. If you have questions or would like to connect, feel free to visit my site.

Home | Tom Munich Greetings, I’m Tom Minich — a trusted insurance agent with over 20 years of experience in life and health insurance. I’m passionate about helping new clients navigate their insurance needs while continuing to support the long-standing relationships I’ve built over the years. Together, we’l...

The Programs of All-Inclusive Care for the Elderly (PACE) provides comprehensive medical and social services to certain frail, community-dwelling elderly individuals, most of whom are dually eligible for Medicare and Medicaid benefits.
This could apply to yourself or a parent making large decisions for the future. Happy to assist

How Much Disability Insurance Do You Need?
Personalized Needs:
There's no one-size-fits-all answer. Your needs are based on your individual circumstances, including:

Monthly Expenses: Calculate your monthly living expenses, including housing, utilities, food, healthcare, transportation, etc.

Potential Reduced Expenses: Consider if some expenses might decrease if you're unable to work (e.g., commuting, professional wardrobe).
Other Income Sources: Account for any other income you might have, such as savings, investments, or Social Security benefits.

Debt Payments: Factor in debt payments like student loans, personal loans, and credit card debt.

Important information from N.A.I.C. (National Association of Insurance Commissioners) regarding how to choose the proper life insurance policy. Also, descriptions for Term and Whole (cash value) policies.

What Type of Life Insurance Is Right for You? All life insurance policies have one thing in common – they’re designed to pay money to “named beneficiaries” when you die. The beneficiaries can be one or more individuals or even an organization. In most cases, policies are purchased by the person whose life is insured. However, life insur...