We are in the business of helping people find the right coverage for their needs. We are contracted with multiple insurance carriers so you choose the plan that’s right for you

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About us

BEHIND THE SCENES

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Our Mission and Core Values:
  • We are dedicated to doing the right thing and being honest in all we do.
  • We strive to serve our clients with compassion and humility. We work hard to listen first and speak later so that we earn the trust of the clients that we serve.
  • We service and respond to the needs of others in a timely manner to help them find coverage suitable to their individual needs
We specialize in senior insurance products and tailor your insurance needs to fit you.

Meet Crystal Royster, Registered Nurse & Independent Licensed Insurance Agent:

Crystal Royster has been a registered nurse for over 26 years. For the past 19 years, Crystal has been providing care coordination for members of various insurance companies so they can get the care that they need. As of November 2020, she has transitioned from nursing to Insurance services with a focus on Medicare coverage options, Life Insurance and Annuities. Crystal helps people choose insurance plans that fit their needs and give them access to the quality care that they deserve.
As a Licensed Insurance Advisor, Crystal helps you review and evaluate Medicare and other insurance plans and their benefits. She also educates and guides you in choosing a suitable Insurance plan that fits your needs. The advantage of Crystal representing different insurance companies, is that you get to choose from a wider variety of plans when working with her and since she’s not bound to just one insurance company, Crystal can usually provide you with objective recommendations for Medicare and other insurance coverage.

Given Crystal’s nursing background and experience working with several insurance companies over the past 19 years, she has the knowledge, compassion and insight to help clients obtain the insurance coverage that they need. Whether you need a Medicare Advantage plan, Critical Illness Plan, an Annuity or Life insurance, Crystal has you covered! She will help you find the coverage that fits your needs as she is well-versed in insurance matters and will work in your best interest.

If You Are Ready to Enroll In A Medicare Plan After Speaking With Us, Click Here

Services

Annuities

Annuities offer a way to protect against the risk of outliving your savings by guaranteeing regular payments for a specified period.

Medicare Advantage

If you're looking for an affordable Medicare Advantage Plan with the good coverage, it's time to speak with us. We specialize in Medicare Advantage Plans.

Medicare Supplement Plans

Get help with unexpected medical costs that aren't covered by Medicare with supplemental coverage. Speak with your local Medicare insurance advisor on medicare supplement insurance today.

Medicare Prescription Drug Plans

Medicare Part D is the prescription drug benefit part of Medicare that covers most outpatient prescription drugs. If you need help finding a prescription drug plan to pair up with your Original Medicare, contact your local Medicare Insurance advisor and licensed insurance agent today.

Hospital Indemnity Plans

Hospital indemnity insurance is a supplemental insurance plan designed to pay for the costs of a hospital admission that may not be covered by other insurance.

Long Term Care Insurance

Long-term care insurance insurance helps pay for the costs associated with long-term care.

Final Expense Life Insurance

Final expense policies are a type of permanent life insurance with a lower death benefit meant to pay for end-of-life and burial expenses.

Stroke/Heart Attack/Cancer Insurance

A Critical Illness like Cancer, Heart Attack or Stroke, can be a huge financial burden.

Disability Insurance

Disability income insurance provides supplementary income in the event an illness or accident results in a disability that prevents you from working at your regular employment.

Short Term Care Insurance

Short-Term Care insurance helps cover the cost of different types of care in the home or in a facility for up to 360 days.

Medicare Services

Royster Insurance Options offers comprehensive Medicare services to help you understand and choose the right coverage for your healthcare needs. Our experienced team will guide you through the complex process and ensure you have the right plan for your health and lifestyle. Contact us today to explore your Medicare options.

Life Insurance Services

Protect your loved ones and secure their financial future with Royster Insurance Options' life insurance services. Our tailored plans provide peace of mind and financial security for your family in the event of unforeseen circumstances. Let our team assist you in planning for tomorrow, today. Contact us to discuss your life insurance needs.

Insurance Consultations

Seeking expert advice on insurance options? Royster Insurance Options provides professional consultations to help individuals make informed decisions about their insurance coverage. Whether it's Medicare or life insurance, our consultations offer personalized guidance based on individual needs and preferences.

Life Insurance Solutions

At Royster Insurance Options, we specialize in offering personalized life insurance solutions to provide financial security and peace of mind for our clients and their loved ones. Our expertise in the life insurance market ensures that we can guide individuals towards the most suitable policies for their specific needs.

Medicare Insurance Services

Royster Insurance Options provides comprehensive Medicare insurance services designed to meet the needs of individuals seeking healthcare coverage. Our team of experienced agents is committed to helping clients navigate the complexities of Medicare and find the best coverage options available.

F.A.Q.

What is a fixed indexed annuity?

A fixed indexed annuity is an insurance product designed for long-term retirement savings that can create a guaranteed stream of income or “retirement paycheck” to supplement your other income sources, such as Social Security, pensions, 401(k)/IRAs and personal assets. Plus, you have the potential to grow your income amount over time, while protecting any gains from loss due to market downturns.

Is a fixed indexed annuity right for me?

FIAs are designed to meet a variety of needs and can be a valuable addition to your retirement plan to help you feel more confident about your financial future and be better prepared for life’s uncertainties.

“Planning for a secure retirement requires a personalized approach, so it is important for financial professionals and their clients to consider savings vehicles that can provide growth and protection for both present and future financial needs.

Explore if a FIA is right for your risk tolerance, goals and the lifestyle you hope to enjoy in retirement by speaking with your financial professional, Crystal Royster at 336-255-0633

​Learn more about fixed index annuities ​​​


Medicare Video Tutorials

Access our full Medicare video library & resource center. Click on each link to view educational videos about Medicare.

​Get Started: Parts of Medicare​​​
​Fall Open Enrollment ​​​
​What Is Part D?​​​
​Medicare & You: Deciding to Sign Up for Medicare Part B
​What is covered by parts A, B, C, & D of Medicare?​​​
​Does Medicare cover dental care?​​​
​What is Medigap or Medicare Supplement?​​​
​What is Medicare?​​​
​When do I enroll in Medicare?​​​
​Medicare & You: Medicare's Preventive Benefits​​​
​Does Medicare cover preventive care?​​​
​How can I make Medicare more affordable?​​​
​Medicare & You: Ways to Save Money​​​
​Medicare & You: Mental Health Benefits​​​
​Medicare & You: Vaccines​​​
​Medicare & You: Men's Health​​​
​Medicare Care Compare​​​
​How do I replace a lost or stolen Medicare card?​​​
​Medicare Fraud: Don’t Give Them a Chance​​​
​Medicare Part D Senior Savings Model​​​
​​​

Life Insurance 101

If you’re new to life insurance, it can be overwhelming to sift through all the information out there. Learn the basics and find out what you need to make an informed decision.

​What You Need to Know About Life Insurance​​​

Where to Get Answers to Your Medicare Questions?

View Medicare publications and other resources including "Medicare & You” handbook.
Medicare Publications Library

Where to Get Answers to Your Medicare Questions
A Quick Look at Medicare
Medicare & You 2024​
Medicare & You 2024- Large Print English
​Understanding Medicare Advantage Plans​​​
Enrolling in Medicare Part A & Part B
Welcome to Medicare
Understanding Medicare Advantage & Medicare Drug Plan Enrollment Periods
Have You Done Your Yearly Medicare Plan Review?
What is Medicare? What is Medicaid?
Learn About Medicare Basics
An overview of Medicaid
Are You Having Trouble Paying for Prescription Drugs?
4 Programs That Can Help You Pay Your Medical Expenses
Understanding your Medicare Advantage Plan's provider network

Where to Get Answers to Your Social Security Questions

View or Listen to Social Security publications and other resources online

​Social Security Publications Library​​​
Planning For Your Financial Future
My Social Security’s Four Super Powers


Is It Wise to Purchase a Medicare Supplement If You Have Original Medicare?

Medicare Supplement Coverage is designed to cover expenses not covered (or only partially covered) by the "original Medicare" (Parts A & B) fee-for-service benefits. They are only available to individuals enrolled in Medicare Parts A & B. Medigap plans may be purchased on a guaranteed issue basis (no health questions asked) during a six-month open enrollment period when an individual first becomes eligible for Medicare. The benefits offered by Medigap plans are standardized.

Medicare Resources:
​Medicare.gov​​​
​Centers for Medicare & Medicaid Services​​​
​Social Security Administration ​​​
​Department of Health & Human Services​​​

Have You Heard of Short Term Care Insurance?

A number of leading insurers now offer coverage that is often referred to as "Short-Term Care". The American Association for Long-Term Care Insurance established the National Advisory Center to help create heightened awareness of this valuable planning option. The typical Short-Term Care insurance (STCi) policy provides coverage for 1 year or less. For many people, this is a very appropriate and affordable amount of coverage.

Need to know

What You Need to Know About Fixed Index Annuities (FIA)
1 min read

What You Need to Know About Fixed Index Annuities (FIA)

A fixed indexed annuity (FIA) may help you map out a sound income plan for the years ahead. Learn more by contacting us at 336-255-0633

Read More  
What is Final Expense insurance?
3 min read

What is Final Expense insurance?

Final Expense insurance is a form of permanent insurance that covers a wide range of expenses you leave behind. They can include your funeral, legal fees, medical bills, and more.

Read More  
What You Need to Know About Life Insurance
1 min read

What You Need to Know About Life Insurance

Discover the different types of life insurance policies available and how they can provide financial protection for you and your loved ones.

Read More  
How to enroll in Medicare if you missed your Initial Enrollment Period
1 min read

How to enroll in Medicare if you missed your Initial Enrollment Period

If you missed your Initial Enrollment Period (IEP) and need to enroll in Medicare, you likely will have to enroll during either a Special Enrollment Period (SEP) or the General Enrollment Period (GEP).

Read More  
What You Need to Know about Hospital Indemnity Plans
1 min read

What You Need to Know about Hospital Indemnity Plans

Discover how hospital indemnity plans can complement your existing health insurance and provide additional support for out-of-pocket expenses.

Read More  

Life Insurance Your Legacy of Love

Life Insurance Your Legacy of Love thumbnail
 
Understanding the Real Reason for Life Insurance-It's Called "Love Insurance"

Contact us

  • 1451 South Elm-Eugene Street, Greensboro, NC, USA
  • Suite 2012

Contact us for a quote or to set up a time to discuss your insurance needs. By providing your information above, you are granting permission for a licensed insurance agent to contact you regarding your Medicare options, life insurance or annuities


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