Being uninsured is very risky but many people who do not have insurance offered by their employer or that are self-employed do not know that they can purchase health insurance for themselves, their spouse, and their dependents. Buying individual health insurance is not always easy because coverage varies from insurance company to insurance company. When choosing a plan, there are many things to consider. Although there is no one best plan, there are some plans that will better fit you and your family’s needs. Using an agent doesn’t cost you anything and whether you buy direct or not, doesn’t save you any money, however using an agent can save you both time and money when shopping for your individual health insurance. If you’d like a more comprehensive benefits package ask about adding an individual Dental and/or Vision plan. We also offer Individual Life, Disability, Long Term Care, Retirement Plans and Medicare Supplement policies. Start by getting a free no obligation quote now.
People buy life insurance for those who depend on them and their income. The main purpose is to replace income that’s lost when a wage earner dies. Those who need life insurance the most include principal wage earners and parents with dependents. If you’re the primary wage earner in the family, life insurance is a good way to help provide your family with a stable financial future. Your need for life insurance is dependent on your personal and financial needs and goals. As your life changes, your life insurance coverage may need to be adjusted to adapt to your new needs. We offer a wide variety of coverage to provide what is right for you, now and in the future. Start by getting a free no obligation quote now.
Not sure how much insurance you need? This Life Calculator will help you determine the proper amount.
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One of your most valuable assets may be your ability to earn an income. Pay a small amount now for Disability Income insurance and you will have benefits to help offset a loss of income if you are unable to work due to a covered disability. When an individual is out of work for an extended period of time due to accident or sickness, Disability insurance provides a monthly payment based on a set percentage of an individual’s salary/income. Start by getting a free no obligation quote now.
Long Term Care
During your lifetime you or a loved one may need to receive long-term care services, and as we age and the life expectancy increases so does the risk of needing long-term care. LTC provides assistance to people who are unable to perform daily living activities that healthy, fully-functional people do independently on a daily basis. Although some people receive long-term care services in nursing homes, the majority receive care at an assisted living facility or in one’s own home. With the purchase of long-term care insurance, you’ve made a smart move to help protect your hard-earned assets. Start by getting a free no obligation quote now.
We are all aware that monthly social security retirement checks are not going to be enough to maintain a reasonable standard of living. Our Financial Advisors can assist in finding additional retirement vehicles to help compensate for what social security alone, is unable to provide. Start by getting a free no obligation quote now.