Insurance Products

It is our goal to provide you with the best possible insurance protection and service for your personal and/or business needs.

Life Insurance

• Term life - Term insurance provides a death benefit for only a specific period of time. If you die during the coverage period, your beneficiary (the person you named to collect the insurance proceeds) receives the death benefit.
  
   
• Universal life - Universal life is a type of permanent life insurance with a death benefit and a cash value account.   Premiums, Costs and interest rates are transparent and are adjustable by the Insurance Company.
  
   
• Whole Life - Whole life insurance is a type of permanent cash value insurance.  It provides a permanent death benefit, fixed premium and guaranteed cash value.   The cash value can potentially grow beyond its guaranteed amount through the payment of dividends or interest above the guaranteed rate.
  
   

Long Term Care (LTC)

LTC insurance pays for the cost of nursing home (or sometimes in-home) custodial care for individuals of all ages who can no longer independently perform basic activities of daily living (ADLs)--such as bathing, dressing, or eating--due to an illness, injury, or cognitive disorder. This care can be provided in a number of settings, including private homes, assisted-living facilities, adult day-care centers, hospices, and nursing homes.

Disability Insurance

A policy that pays benefits because of one’s inability to earn a living due to sickness or injury.

• Short Term -  has a waiting period of up to two weeks and a benefit period no longer than twenty-four months.
  
   
• Long Term -   has a waiting period from a few weeks to several months with a maximum benefit period ranging from a few years to lifetime.
   

Health Insurance

Individual health insurance is a type of policy that covers the medical expenses of only one person.   Coverage is also available on an individual basis through managed health-care systems, health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS) plans.  In fact, some states require HMOs to offer coverage to individuals during a special open enrollment period each year for individuals with significant health problems.                   

 Contact one of our Agents to discuss specific coverage options.