Our Products
Final Expense Whole Life Insurance
Final expense insurance, often referred to as burial insurance or funeral insurance, is a type of whole life insurance designed to cover the costs associated with end-of-life expenses. This can include funeral services, burial or cremation costs, and any outstanding medical bills.
Who Should Consider It?
Final expense insurance is ideal for seniors or anyone looking to ensure their final costs are covered without leaving a financial burden on their loved ones. It’s especially beneficial for those who want to streamline the funeral planning process and ensure their wishes are respected.
Get Started Today
Investing in final expense insurance is a thoughtful decision that can provide significant peace of mind. Contact us today to learn more about your options and find a plan that fits your needs.
Term – Whole – Juvenile life insurance
Types of Life Insurance
TermLifeInsurance:Thispolicyprovidescoverageforaspecificperiod,typically ranging from 10 to 30 years. It’s often more affordable and is ideal for those looking for temporary coverage.
WholeLifeInsurance:Apermanentpolicythatcoversyouforyourentirelife,as long as premiums are paid. It also builds cash value over time, which can be borrowed against or withdrawn.
UniversalLifeInsurance:Thisflexiblepolicycombineslifecoveragewithan investment component. You can adjust your premiums and death benefit, making it a versatile option.
JuvenileLifeInsurance:Juvenilelifeinsuranceisatypeoflifeinsurancepolicy specifically designed for children or young individuals.
Why Consider Life Insurance?
Financial Security: Provides a safety net for your loved ones, ensuring they are financially protected.
Debt Coverage: Helps pay off debts, like mortgages or loans, preventing financial burdens on your family.
Peace of Mind: Knowing your family is taken care of can alleviate stress and worry about the future.
How to Choose the Right Policy
Selecting the right life insurance policy depends on your individual needs and circumstances. Consider factors such as your financial goals, family size, and budget. Contact our office to help you navigate your options and find the best fit for your situation.
Medicare Supplement
Medicare Supplemental Insurance, also known as Medigap, is designed to fill the gaps in Original Medicare coverage. While Medicare Parts A and B provide essential health services, they don't cover everything. Medigap policies help pay for out-of-pocket costs like deductibles, copayments, and coinsurance, ensuring you have broader protection against medical expenses.
Key Features of Medigap:
Comprehensive Coverage: Helps cover costs not fully paid by Medicare, including hospital stays and doctor visits.
Standardized Plans: Medigap policies are standardized by the government, meaning that each plan offers the same benefits regardless of the insurance provider.
Variety of Options: There are multiple Medigap plans (labeled A through N) to choose from, allowing you to select one that best meets your needs and budget.
Nationwide Acceptance: Medigap policies are accepted by any provider that accepts Medicare, giving you flexibility in choosing your healthcare providers.
Guaranteed Renewal: As long as you pay your premiums, your Medigap policy cannot be canceled due to health issues.
Who Should Consider Medigap?
Medicare beneficiaries looking for more comprehensive coverage, particularly those who anticipate frequent medical care, may find Medigap beneficial. It’s especially valuable for individuals with chronic conditions or those who travel often and want peace of mind regarding their healthcare expenses.
Explore Your Options:
Understanding your Medicare options can be complex. Our team is here to help you navigate the various Medigap plans, ensuring you find the right coverage tailored to your health needs and financial situation. Contact us today to learn more about Medicare Supplemental Insurance and get a personalized quote!
Health Insurance
Group Health Plans are not always available through your employer, or maybe you are retiring and looking for direct health coverage. We are here to help you with enrollment in ACA Health plans through the Marketplace providing guidance on subsidy qualification, plan options, and more.
Dental Insurance and Vision Insurance
Dental insurance helps cover the cost of dental care, including routine check-ups, cleanings, fillings, and sometimes more extensive procedures like crowns or orthodontics. With a dental plan, you typically pay a monthly premium and may have co-pays or deductibles for specific services. This coverage encourages regular dental visits and promotes overall oral health by reducing out-of-pocket expenses.
Protect your eyesight and maintain your eye health with our comprehensive vision insurance plans. Our coverage includes routine eye exams, prescription glasses, and contact lenses, ensuring you have access to the care you need. With a network of trusted
providers, you can enjoy affordable premiums and low co-pays, making it easier to prioritize your vision needs. Whether you require annual check-ups or specialized treatments, our plans are designed to fit your lifestyle and budget. Take the first step towards clearer vision today!
Short-Term and Long-Term Disability
Short-Term Disability
Short-term disability (STD) insurance provides financial support for individuals who are temporarily unable to work due to illness, injury, or other medical conditions. Coverage typically lasts from a few weeks up to six months, offering a portion of your income— usually around 60-70%—to help cover living expenses during your recovery. This type of insurance is ideal for those who may need time off for surgery, serious health issues, or maternity leave.
Long-Term Disability
Long-term disability (LTD) insurance offers protection for individuals who experience a prolonged inability to work, often extending beyond six months. This coverage provides a percentage of your income—generally between 50-70%—for an extended period, potentially until retirement age or until you can return to work. LTD insurance is essential for safeguarding your financial future in the event of a serious, long-term health condition that impacts your ability to earn a living.
Supplemental Health Insurance
Supplemental health insurance is designed to enhance your existing health coverage by providing additional financial support for medical expenses. While standard health insurance typically covers a range of healthcare services, it may not cover all costs, leaving you with out-of-pocket expenses. Supplemental plans help fill those gaps, ensuring you have more comprehensive financial protection.
Key Features:
Coverage for Out-of-Pocket Costs: Supplemental insurance can help cover deductibles, copayments, and coinsurance, reducing your overall healthcare expenses.
Additional Benefits: Many plans offer benefits for services that may not be fully covered by your primary insurance, such as vision, dental, and critical illness coverage.
Flexible Options: Choose from a variety of plans tailored to your specific needs, including accident insurance, hospital indemnity, and cancer coverage.
Peace of Mind: With supplemental insurance, you can focus on your health and recovery without the added stress of unexpected medical bills.
Why Choose Supplemental Health Insurance?
Comprehensive Protection: Ensure that you have the coverage you need for unforeseen medical expenses.
Customizable Plans: Select the plan that best fits your lifestyle and healthcare requirements.
Affordability: Supplemental insurance can be an affordable way to enhance your health coverage and safeguard your finances.
Explore our range of supplemental health insurance options today and take the next step towards securing your health and financial well-being!
Statistics
Over 2/3 of bankruptcies result from medical debt
The average cost of treatment in 2011:
Heart attack - $72K
Stroke - $61K
Group Dental Insurance
Dental - Group dental insurance is a health benefit plan designed for businesses, organizations, or associations that provide dental coverage to their members or employees. This type of insurance allows groups to offer comprehensive dental care at more affordable rates compared to individual plans.
Key Features:
1. Cost-Effective Solutions:
a. Group dental plans typically come with lower premiums due to shared risk among members, making it more affordable for both employers and employees.
2. Comprehensive Coverage:
a. Most plans include preventive services (like cleaning and exams), basic services (fillings, extractions), and major services (crowns, bridges) to ensure a wide range of dental needs are met.
3. Preventive Focus:
a. Many plans cover preventive care at 100%, encouraging regular check-ups and cleanings to maintain oral health and prevent serious issues.
4. Flexible Plan Options:
a. Organizations can choose from various plan types, such as indemnity, PPOs, or HMO plans, allowing for customization based on member needs.
5. Network Access:
a. Group plans often include access to a wide network of dental providers, offering members the flexibility to choose their preferred dentist.
6. Family Coverage:
a. Many group plans allow members to add family members, providing comprehensive coverage for dependents at competitive rates.
7. Simple Administration:
a. Group dental insurance is often easier to administer, with streamlined billing and fewer paperwork hassles.
Benefits for Employers:
Attract and Retain Talent: Offering dental benefits enhances your overall benefits package, making your organization more appealing to potential hires.
Improved Employee Health: By promoting regular dental visits, you can help employees maintain better oral health, which can lead to reduced absenteeism and higher productivity.
Tax Advantages: Contributions made towards group dental insurance may be tax-deductible for employers, providing financial benefits.
Conclusion:
Group dental insurance is an invaluable benefit that promotes oral health while providing cost-effective solutions for organizations. By offering comprehensive coverage, flexible options, and access to a network of providers, group dental plans can enhance employee satisfaction and well-being. Explore our plans today to find the right fit for your organization!
Group Vision Insurance
Group vision insurance is a type of coverage offered by employers that helps employees pay for eye care services and products. This insurance typically includes:
Routine Eye Exams: Regular check-ups to monitor eye health.
Eyeglasses and Contact Lenses: Discounts or allowances for purchasing eyewear.
Specialist Visits: Coverage for visits to eye care specialists, if needed.
By enrolling in a group vision plan, employees can maintain their eye health while enjoying savings on vision-related expenses. This benefit not only promotes overall wellness but also enhances productivity by ensuring that employees have clear vision for their daily tasks.
Explore your options to see how group vision insurance can benefit you and your team!
Group Life Insurance
Group life insurance is a type of life insurance policy that covers a group of people, typically employees of a company or members of an organization. Instead of individuals purchasing their own policies, the employer or organization provides a single policy that offers coverage to all eligible members.
Key Features:
Cost-Effective: Group life insurance is often less expensive than individual policies since the risk is spread across many people.
Simplified Enrollment: Members usually don’t need to undergo extensive medical exams to qualify.
Basic Coverage: It typically provides a lump-sum payment to beneficiaries upon the insured person's death, helping their loved ones financially.
Employer Benefits: Offering this insurance can help employers attract and retain talent by providing valuable benefits.
Why It Matters:
Group life insurance offers peace of mind for employees, knowing their families will be financially supported in the event of an untimely loss. It’s an essential part of many benefits packages, ensuring that members feel secure and valued.
Group Short-Term and Long-Term Disability
Group Short-Term Disability Insurance (STD)
This type of insurance provides temporary financial support to employees who are unable to work due to a medical condition. It typically covers a portion of the employee's salary (usually 60-70%) for a limited time, often ranging from a few weeks up to six months. Short- term disability is designed to help employees during recovery from injuries or illnesses, ensuring they have some income while they are unable to work.
Group Long-Term Disability Insurance (LTD)
Long-term disability insurance offers more extended financial protection for employees
who are unable to work for an extended period, often lasting beyond six months. It generally pays a percentage of the employee’s salary (commonly 50-70%) and can continue for several years or until retirement age, depending on the policy. This insurance is essential for providing ongoing support for serious, long-term health issues that prevent employees from returning to their jobs.
Key Benefits
Income Replacement: Both STD and LTD provide financial assistance, helping employees manage living expenses during recovery.
Peace of Mind: Employees can focus on their health without the added stress of lost income.
Employer Support: Offering these benefits demonstrates an employer's commitment to their workforce's well-being.
In summary, group short-term and long-term disability insurance are vital components of employee benefits, ensuring that staff members have financial support during challenging times due to health-related issues.
Supplemental Health Insurance
While standard health insurance typically covers a range of healthcare services, it may not cover all costs, leaving you with out-of-pocket expenses. Offering a group supplemental health insurance plan gives your employees additional options when it comes to covering those out-of-pocket expenses. It is designed to enhance your existing health coverage and typically can be customized by each employee individually.
Key Features:
Coverage for Out-of-Pocket Costs: Supplemental insurance can help cover deductibles, copayments, and coinsurance, reducing your overall healthcare expenses.
Additional Benefits: Many plans offer benefits for services that may not be fully covered by your primary insurance, such as vision, dental, and critical illness coverage.
Flexible Options: Choose from a variety of plans tailored to your specific needs, including accident insurance, hospital indemnity, and cancer coverage.
• Peace of Mind: With supplemental insurance, you can focus on your health and recovery without the added stress of unexpected medical bills.
Why Choose Supplemental Health Insurance?
Comprehensive Protection: Ensure that you have the coverage you need for unforeseen medical expenses.
Customizable Plans: Select the plan that best fits your lifestyle and healthcare requirements.
Affordability: Supplemental insurance can be an affordable way to enhance your health coverage and safeguard your finances.
Explore our range of supplemental health insurance options today and take the next step towards securing your health and financial well-being!
Flexible Spending and Health Care Savings Plans
A Flexible Spending Account (FSA) is a special savings account that lets you set aside pre- tax money from your paycheck to pay for eligible healthcare expenses. This means you can save on taxes while covering costs like medical bills, prescriptions, and some over-the- counter items. FSAs are renewed each year during open enrollment, and some unused funds may not roll over to the next year, so it’s important to plan your contributions wisely!
A Health Savings Account (HSA) is a special savings account that lets you save money for medical expenses. It offers tax benefits, meaning your contributions are tax-deductible, and the money grows tax-free. You can use these funds for qualified health costs, like doctor visits and prescriptions. HSAs are available to people with high-deductible health plans (HDHPs) and can help you save for both current and future healthcare needs.