Meet your needs today with
ACCIDENT, DISABILITY, LIFE, LONG TERM CARE and MEDICAL coverage.
|Personal insurance products protect you and your family from financial loss in the event of an injury, disability or untimely death.||We can help you acquire the coverages you need. Helping provide the peace of mind that comes from knowing your family is protected against catastrophic loss.|
Health insurance is a product provides coverage for individuals and family members for various medical expenses. We offer plans from several carriers including Blue Cross Blue Shield. For information on their plans please click on the link below.
We offer Medicare Plans which include prescription drug coverage as well as Medicare Supplements and Stand Alone Prescription Drug Plans.
Many health insurance plans provide limited coverage for healthcare while outside the U.S. We offer a broad range of plans. Click on the link below for more information.
Some carriers provide dental and vision options within their major medical coverage plans. We also work with a number of carriers who provide both stand-alone dental and vision plans.
Accident plans cover initial expenses for 'accidents'. Both individual and family plans are available for a relatively low monthly premium, with coverages from $2500, $5000, $7500 and $10,000. Most accident plans require NO health questions and NO underwriting or waiting periods.
Similarly, Accidental Death & Dismemberment policies provide limited benefits for accidental death and/or dismemberment usually from $5000 to $50,000 in benefits.
Term Life Insurance including 10, 20 and 30 year term, features temporary, cost-effective coverage with the ability to change with your needs and the flexibility to change your policy when your needs turn into permanent goals. We also offer permanent optioins such as Universal Life & Whole Life which can provide tax advantaged cash accumulation.
According to one major provider of disability insurance, 3 out of every 10 workers between the ages of 25 and 65 will experience an accident or illness that keeps them out of work for 3 months or longer, with nearly 60% of these injuries occurring off the job. If you are hurt off the job, worker’s compensation does not cover the injury. Furthermore, the vast majority of disability claims result from sicknesses and not accidents. When you cannot work for an extended period of time, a long term disability plan can help cover a portion of your income/salary.
Long-term care insurance is a relatively new type of coverage which allows you to protect your estate and avoid financial devastation because of the rapidly increasing costs of long-term care including nursing home care, assisted living, adult day care and home care.
Annuities offer tax deferred accumulated principle guarantees. Tax deferred & Immediate Annuities are some of the options available.