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Dental, Vision, Final Expense & Cancer Policies

Practical Coverage Options to Protect Your Health, Finances, and Peace of Mind

Dental, vision, final expense, and cancer policies each serve a unique purpose in protecting your well-being and financial security. Together, these policies create a safety net that helps you focus on what matters most — your health, your family, and your future.

“The right coverage isn’t about buying more — it’s about knowing you have what you need, when you need it most.”

Robin Depies
Heartfelt Financial Solutions, LLC 

Dental Insurance

Keep routine care affordable and major work manageable.

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Vision Insurance

Save on exams, lenses, frames, and contacts.
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Final Expenses

Lift the financial burden from loved ones when it matters.

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Cancer Policies

Cash benefits that help you focus on treatment, not bills.
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Dental Insurance — Keep your smile healthy while protecting your budget

Routine dental care adds up—especially cleanings, x-rays, fillings, and crowns. Dental insurance helps reduce your out-of-pocket costs for preventive visits and can offset larger expenses when something unexpected arises. Plans typically include preventive, basic, and major services with waiting periods that vary by carrier. We’ll review your dentist preferences, estimated needs, and budget to find a plan that fits—without overspending on benefits you won’t use.
  • Preventive cleanings often covered at or near 100%
  • Savings on fillings, root canals, crowns, and dentures (waiting period may apply)
  • Options for individuals, couples, and families
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Vision Insurance — Clear vision at a cost that makes sense.

If you wear glasses or contacts—or expect to—vision insurance can quickly pay for itself. Most plans include an annual eye exam, an allowance for frames or contacts, and discounts on lens upgrades. We’ll look at your prescription history, preferred brands, and how often you update frames to select a plan that keeps quality high and costs predictable.
  • Annual exam benefits and discounted follow-ups
  • Allowances for frames and contacts; savings on lenses and coatings
  • Large retail and local provider networks
  • Bundle options with dental for extra savings
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Final Expense Insurance — A thoughtful way to ease future financial burdens for loved ones.

Final Expense policies are small whole-life plans designed to cover funeral costs, medical bills, and last expenses so loved ones aren’t left with financial stress. Coverage amounts are typically modest, premiums stay consistent, and many policies offer simplified underwriting—sometimes no medical exam. We’ll discuss your wishes, budget, and family needs to choose a policy that provides compassionate support at a difficult time.
  • Permanent coverage that doesn’t expire if premiums are maintained
  • Benefit amounts commonly $2,500–$100,000
  • Simplified issue options; decisions often fast
  • Proceeds paid directly to beneficiaries, generally tax-free

Cancer Policies — Extra protection so you can focus on recovery, not expenses.

A cancer diagnosis can bring unexpected costs—travel to specialists, time away from work, lodging, and deductibles. Cancer policies pay cash benefits directly to you, so you can use the funds where you need them most. These plans complement your health insurance and are especially helpful if your current coverage has high deductibles or coinsurance. We’ll tailor options to your risk tolerance and budget so you’re prepared—without overinsuring.
  • Lump-sum paid to you
  • Use for deductibles, travel, lodging, child care, or everyday bills
  • Works alongside existing health insurance
  • Flexible benefit levels and premiums

Let’s Visit

If you’d like help sorting through your insurance options — or reviewing what you already have — I’m here for you. Our first conversation is always free, and you’ll leave with more clarity than you started with.

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Before You Decide, Let’s Clear Up the Details

Are dental and vision plans worth it if I’m generally healthy?
They can be—especially for preventive care, frames/contacts, or major dental work. We’ll estimate your likely usage before you decide.
Can I bundle dental and vision?
Many carriers offer bundles that can save money; we’ll compare stand-alone vs bundle.
Does Final Expense require a medical exam?
Many options are simplified issue with health questions only. We’ll check eligibility by carrier.
How do cancer policies pay benefits?
Most pay cash directly to you (lump-sum or schedule). You decide how to use the funds.
Final Expense Insurance
They’re designed to complement—not replace—medical coverage.

How We Choose Together

I’ll start with your current providers and habits (dentist, eye exams, prescriptions). We’ll map your expected usage and budget to avoid overpaying. We’ll review waiting periods, networks, and allowances side-by-side.

You leave with clear, no-pressure recommendations and next steps.