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YOU

Welcome to Elkin Insurance, your team of local insurance professionals / educators began in the Carolinas and now proudly served clients in 9 states for over over 13 years. We specialize in Health, Life, Annuity insurance Retirement Planning. We are proud to serve those who speak English, Spanish and Hatian Creole communities.

 

Our goal is to give personalized attention to each client’s needs. We match your needs and budget to the right insurance plan for you. You'll be pleased to know that 90% of our health plans have ZERO dollar cost to our clients.

It would be our privilege to assist you in all of your insurance needs and those of your friends and family.

Give us a call to experience the exceptional 5 Star customer service we are known for.  

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"IN THE NEWS" at Elkin Insurance

Cognitive Decline

Cognitive decline, particularly in the form of Alzheimer’s disease and other dementias, is one of the most significant health challenges facing seniors today. As life expectancy rises, so does the number of people living long enough to develop these conditions. Alzheimer’s alone affects more than 6 million Americans—most over the age of 65—and experts project this number could nearly double by 2050. Cognitive decline gradually impairs memory, problem-solving, and the ability to carry out daily activities, making independent living increasingly difficult. This progressive loss can be emotionally devastating not only for the individual but also for their loved ones, who often watch familiar personality traits fade over time.

The impact of cognitive decline extends well beyond memory loss. Seniors with dementia are at higher risk for physical injuries, such as falls, and may struggle with basic needs like eating, bathing, and managing medications. As symptoms progress, many require round-the-clock care, leading to significant financial and emotional strain for families. The cost of long-term care for dementia patients in the United States is among the highest for any medical condition, and Medicare often does not cover the full extent of necessary services. Caregivers, frequently family members, face burnout, stress, and their own health challenges as they try to balance care responsibilities with other life demands.

While there is currently no cure for Alzheimer’s or other forms of dementia, there is growing evidence that certain lifestyle choices can help reduce risk or slow progression. Regular physical exercise, a balanced diet rich in fruits and vegetables, mental stimulation through learning and social engagement, and proper management of cardiovascular health all play a role in protecting brain function. Early detection is also critical—identifying changes in memory or behavior early allows for better planning, access to support services, and the implementation of strategies that can maintain independence for as long as possible. Addressing cognitive decline in seniors requires a combination of medical research, community support, and public awareness to ensure that aging with dignity remains possible for everyone.

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MAJOR MEDICAL

Major medical health insurance is a type of health insurance that covers the expenses associated with serious illness or hospitalization.

MEDICARE

We provide all the information you need on Original Medicare and Medicare Advantage Plans so you can make an informed decision. 

LIFE

The basic building block of financial planning is protection. By getting enough life insurance you are protecting your loved ones so that the money is there to continue their lives without disruption.

ANNUITIES

An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy. Annuities are a popular choice for investors who want to receive a steady income stream in retirement.

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FINAL EXPENSE

Final expense insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. 

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