Your decision regarding life and health insurance is one of the most important personal choices you make for yourself, your family and your loved ones. Your agent must be knowledgeable about the spectrum of policies available in order to present an optimal plan specifically for you and your needs.
As an independent agency, with decades of knowledge and access to a world of options, we find the plan that delivers the protection you need and the value you deserve. We also help you understand the decisions that are critical regarding the type of insurance:
Life Insurance provides a vital death benefit that protects beneficiaries, such as in financing children’s education, replacing income, providing for a business, and eliminating a mortgage or debt. Life insurance also provides tax-free income and permission to use assets in retirement.
Health Insurance choices can be extremely confusing in light of numerous variables, including Medicare programs (like Medigap policies and Medicare Advantage Plans), heath insurance plans, and the Affordable Care Act.
Disability Insurance could provide a tax-free paycheck in the event of an illness or injury.
Long Term Care Insurance provides coverage for the cost for personal assistance related to the Activities of Daily Living, or ADLs, over both extended and short periods of time. In addition to covering the cost of custodial care in a nursing home, long-term care insurance can also cover the costs of personal care for an individual at home, in an adult day care facility, and in an assisted living facility.
Group Life, Health and Disability Insurance policies enable businesses, institutions and organizations (including highly targeted consumer groups like school children and athletes) to receive member benefits for preferred rates.
Vision Insurance and Dental Insurance policies—available to individuals, families and groups—are separate from primary medical plans and vary greatly in terms of premiums, provisions and exclusions.