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Life & Health Insurance/bank account, life ins. in nursing home


We live in NJ, mom's going to a nursing home soon. She is on Medicare. She has 5000. in the bank and a 10,000. AARP life insurance policy. What will happen to those monies?


Thank you for reaching out. I know this is a tough time for you and your family. Since MediCare and MediCaid are more state specific benefits, I would advise you to head over to and click on "Find an Agent". It will ask you your zip code and give you a list of professional and integrity-filled agents in your area.

I would have like to have helped more, bit getting you an efficient and proper answer is always my goal.

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Gene Ramsay


I can answer questions from people regarding health, life, and voluntary insurance. I can also answer certain annuity questions, long-term care, medicare, vision, dental, group products, individual products, and certain carriers. Another area would be general discussion on an individual basis to determine need and help individuals make the right decisions for them. I can also field questions from other insurance providers about carriers I represent so we can do some business together and I am also willing to offer my thoughts on certain issues they may be having with clients/customers, etc.


My experience comes from helping many people every day handle tough situations in the health, life, and voluntary insurance markets. I do not claim to know it all, but I will always be direct and professional.

National Association of Health Underwriters, Alabama Association of Health Underwriters, Birmingham Association of Health Underwriters

Self Funding Magazine,, Birmingham Business Journal, North Jefferson News

My educational credentials are holding a health and life insurance license in multiple states.

Awards and Honors
Colonial Life Rookie Sales Award of the Year (2006), Treasurer - Birmingham Association of Health Underwriters (2010), NAHU Region 5 & 6 Leadership Conference Participant (2011), "Benefits Selling" Magazine Reader Council Advisory Board (2011), President Elect - Birmingham Association of Health Underwriters (2011), President (2012-2014), VP of Technology - Alabama Association of Health Underwriters, (2011-Present), NAHU LPRT Soaring Eagle Award Recipient (2013)

Past/Present Clients
I would prefer not to divulge clients without their consent to do so.

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