Insurance Plans We Offer
Learn a little more about each below. We'll shop around to find you the best rates for the coverage you need!
Disability
Disability insurance is a type of insurance that provides financial protection to individuals who are unable to work due to a disability. Some key points to consider about disability insurance include:
- It provides a source of income: Disability insurance replaces a portion of an individual's income if they are unable to work due to a disability. This can help them pay bills and maintain their standard of living.
- It covers a wide range of disabilities: Disability insurance can cover a variety of disabilities, including those caused by illness, injury, or mental health conditions. It's an important addition to any financial plan.
- Disability insurance can be a valuable addition to any financial plan, as it provides a safety net in case of unexpected disability. It can help individuals and their families avoid financial hardship and maintain their lifestyle.
Medicare
Medicare is a federal health insurance program that provides coverage for eligible individuals who are 65 or older, as well as some younger people with disabilities. Some of the key benefits of Medicare include:
- Comprehensive Coverage: Medicare provides comprehensive coverage for a wide range of medical services, including hospital care, doctor visits, and prescription drugs.
- Financial Protection: Medicare can help protect individuals from high medical costs, as it covers a significant portion of the expenses incurred for covered services.
- Widely accepted: Medicare is widely accepted by medical providers and hospitals, making it easy for individuals to access the care they need.
It also provides access to preventative services, and give options for additional coverage such as Part D for prescription drugs and Medigap policies to fill in gaps in coverage.
Life Insurance
Life insurance is a type of insurance that provides financial protection for your loved ones in the event of your death. Some of the key benefits of life insurance include:
- Financial protection for your loved ones: Life insurance provides a death benefit to your beneficiaries, which can help them cover expenses such as funeral costs, outstanding debts, and living expenses.
- Tax advantages: Life insurance death benefit payments are generally tax-free, which can provide additional financial benefits for your beneficiaries.
- Peace of mind: Knowing that your loved ones will be financially protected in the event of your death can provide peace of mind and security for you and your family.
It also can provide cash value accumulation, and can act as an investment vehicle as well as a way to protect loved ones. Some policies can also provide coverage for a specific period of time and not just for whole life.
Worksite
Worksite insurance is a type of insurance that is offered to employees through their workplace. Some of the key benefits of worksite insurance include:
Convenience: Worksite insurance is often offered as a voluntary benefit, which means employees can enroll in the coverage directly through their employer. This can make the enrollment process more convenient and streamlined.
Group rates: Because worksite insurance is often offered as a group plan, employees may be able to access lower rates than they would if they purchased the coverage individually.
Additional benefits: Worksite insurance can be paired with other employee benefits, like 401(k) plans and flexible spending accounts, creating a more comprehensive benefits package for employees.
It can include different types of coverage such as life, health, disability, accident, and critical illness insurance. It can be an affordable and easy way for employees to access coverage that can protect them and their families.
Final Expense
Final Expense insurance is a type of life insurance that is designed to cover the costs associated with end-of-life expenses, such as funeral costs, outstanding debts and medical expenses. Some of the key benefits of Final Expense insurance include:
- Coverage for final expenses: Final Expense insurance provides a death benefit that can be used to cover the costs associated with end-of-life expenses, which can provide financial relief for loved ones.
- Affordable premiums: Final Expense insurance typically has lower death benefit amounts, which means the premiums are also lower, making it an affordable option for many individuals.
- Simplified underwriting: Final Expense insurance often has simplified underwriting, which means that it is available to a wider range of individuals, regardless of their health status.
It can also provide coverage for individuals with pre-existing conditions and is often considered a "guaranteed issue" type of policy. It can provide peace of mind and an extra layer of protection for loved ones in a difficult time.
Annuities
Annuities are a type of investment that provides a guaranteed stream of income in the future, usually during retirement. Some of the key benefits of annuities include:
Guaranteed income: Annuities provide a guaranteed stream of income, which can be particularly valuable for retirees who need a steady source of income to cover their living expenses.
Tax-deferred growth: Annuities offer tax-deferred growth, which means that the money in the annuity can grow without being taxed until it is withdrawn. This can help the invested funds grow faster over time.
Flexibility: Annuities come in a variety of forms, such as fixed, variable, and indexed, which can provide flexibility to meet different needs and goals, like accumulation, income or a combination of both.
They can also provide a death benefit, which can provide additional protection for loved ones. They can also be used as a way to create a source of lifetime income, or as a tool for estate planning.
Critical Illness Insurance
Critical care supplement plans, also known as critical illness insurance, is a type of insurance that provides a lump sum benefit in the event of a covered critical illness such as cancer, heart attack or stroke. Some of the key benefits of critical care supplement plans include:
Financial protection: Critical care supplement plans provide a lump sum benefit that can be used to cover expenses such as medical costs, lost income, and other financial needs related to the critical illness.
Flexibility: The benefit can be used for any expenses and the insured person has control over how the funds are used.
Peace of mind: Having critical care supplement coverage can provide peace of mind knowing that if a covered critical illness occurs, there is a financial safety net in place.
It can also provide coverage for a wide range of illnesses and it's an affordable way to add an extra layer of protection to an overall insurance portfolio. It can also be purchased as an individual policy or as a rider to a life insurance policy.
