Business Details
Independent Insurance Solutions for Medicare & Life Coverage
Cooper Alston Insurance Services has dedicated over 25 years to providing independent insurance solutions tailored to individual needs. As a fully independent agency, we specialize in Medicare, Final Expense, and Life Insurance, offering access to multiple carrier plans to ensure personalized coverage. Our licensed team serves clients across Pennsylvania, Delaware, New Jersey, and Florida, prioritizing hands-on service and long-term solutions. We focus on risk management, cost efficiency, and tax-effective planning while delivering transparent, client-first advice.Our commitment extends beyond transactions, emphasizing trust, clear communication, and advocacy to exceed client expectations. With decades of industry experience, we empower clients to make informed decisions without hidden fees or obligations. Our services remain free of charge, including consultations and annual reviews, ensuring clients retain control over their financial future.
Services
Medicare Plans
Final Expense Insurance
Life Insurance
Risk Management
Tax-Efficient Planning
Highlights and features
- We offer 25+ years of independent insurance expertise.
- Our personalized approach prioritizes your unique financial needs.
- Services are free, including consultations and annual reviews.
- Licensed to serve clients across four states with tailored plans.
- We advocate for clients without hidden fees or obligations.
What people say
Excellent service
Knowledgeable team
Personalized approach
No hidden fees
Trusted advisor
Services
Medicare Plans
We specialize in Medicare Supplements and Advantage Plans, helping clients navigate coverage options. Our experts explain key differences, network requirements, and prescription drug integration. With personalized guidance, we ensure clients select plans aligning with their healthcare needs and budget.
Final Expense Insurance
Final Expense Insurance covers funeral costs, debts, and legal fees, relieving families of financial burdens. We offer affordable, no-exam policies with guaranteed premiums and death benefits. Our team designs plans ensuring your loved ones avoid unexpected expenses during difficult times.
Life Insurance
We provide Term, Whole, and Universal Life Insurance solutions to protect families and businesses. Our policies address temporary needs, long-term security, and cash-value growth. We tailor coverage to safeguard income, pay debts, and support future goals like education or retirement.
Questions
When can I enroll in Medicare if turning 65?
You may enroll 90 days before your 65th birthday month, assuming work-related eligibility requirements are met.
Does Medicare cover spouses or dependents?
No, Medicare is individual coverage. Spouses must enroll separately upon reaching age eligibility.
Can I keep employer coverage with Medicare?
If your employer has 20+ employees and you continue working, you may retain employer coverage alongside Medicare.
What happens if I miss Medicare enrollment?
Late enrollment may result in coverage gaps and penalties, including 10% Part B premium increases or Part D penalties.
Do you charge for insurance consultations?
No, our consultations, annual reviews, and advisory services are completely free with no obligations.
Are your services available in multiple states?
Yes, we are licensed to serve clients in Pennsylvania, Delaware, New Jersey, and Florida.
