INSURANCE
SERVICES
THE CLIENT COMES FIRST
800-716-1866
PRODUCTS
We are always looking to impove the type of insurance products we can make available to our client base. We want to provide a line of insurance products that will help you meet your insurance, risk management and investment goals. With that in mind, we do our best to give personalized service to each client.
CRITICAL ILLNESS
An insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the covered illnesses listed in the insurance policy.
ACCIDENT PLANS
Is a insurance policy that pays benifits to the beneficiary if the cause of death is an accident.
May also include coverage in case of dismemberment, in which that case the benefits would be paid to the insured.
ANNUITIES
An annuity is a contract between you and an insurance company in which you make lump sum payment or series of payments and in return obtain regular disbursements beginning either immediately or at some point in the future.
DENTAL
Insurance designed to pay a portion of the costs associated with dental care. Generally dental offices have a fee schedule based on usual and customary dental services.
FINAL EXPENSE
Life insurance policies that are nearly always permanent life insurance policies. Most final expense are whole life policies with low face values.
HEALTH INSURANCE
Is insurance against the risk of incurring medical expenses among individuals. A contract between an insurance provider and and individual to help cover health care cost.
LIFE INSURANCE
Is a contract between an insured and an insurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium.
LONG TERM CARE
An insurance product that help provides for the cost of long term care beyond a predetermined period. Long term care insurance covers care generally not covered by health insurance, medicare or medicaid.
MEDICARE SUPPLEMENT PLANS
Medigap policies supplement your Original Medicare benefit. Medigap policies help pay some of the costs that Original Medicare doesn't cover, such as copayments, coinsurance, and yearly deductibles. Basically, a Medigap policy fills the "gaps" in Original Medicare coverage.
CANCER PLANS
Are special types of insurance that protects you if you get cancer. A cancer insurance policy gives you money to help pay for your expenses after a cancer diagnosis.
DISABILITY INCOME
A form of insurance that insures the beneficiary's earned income against the risk that a disability that creates a barrier for a worker to complete the core functions of their work.
HOSPITAL INDEMNITY
Is insurance that pays a fixed cash amount for each day you are hospitalized up to a designated number of days. Some policies have added benefits such as surgical, skilled nursing or home confinement benefits.
MEDICARE ADVANTAGE PLANS
Often referred to as Medicare Part C, a Medicare Advantage Plan is an additional health plan choice offered to those eligible for Original Medicare (Part A and Part B). Most Medicare Advantage Plans include the Part D prescription drug benefit plan, and are known as a Medicare Advantage Prescription Drug plan or "MAPD."