my Health & Life Insurance
Feel better with good health insurance; you will thank yourself later!
What is health insurance?
Health Insurance Association of America defines health insurance as “coverage that provides for the payments of benefits as a result of sickness or injury” as well as “insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.” It is broken up into two main categories: Fee-for-Service and Managed Cared. Although both plans are not entirely like the other, they both can cover areas such as medical, surgical, and hospital expenses, as well as prescription drug and dental coverage.
How does it benefit me?
As people, we are susceptible to accidents and illness whether we like it or not. Although it would be nice to plan for such instances, that is not always possible. When or if that moment comes and you find yourself without health insurance, you might be facing serious consequences on top of your pre-existing issues. However, with health insurance to help you, you don’t have to have any more added stress and can instead feel relaxed knowing you will be taken care of.
WHAT IT COVERS
- Long-Term Care
- Vision Coverage
- Dental Coverage
- Medical Expenses
- Surgical Expenses
- Hospital Expenses
Protect yourself by getting your health covered with insurance today.
Be there for your loved ones, even after you’re gone.
What is life insurance?
Life insurance is the one form of insurance policy that has nothing to do with protecting you, but financially protecting your beneficiaries if you die. There are several different kinds of life insurance, but the most common are term insurance and permanent insurance.
Term life insurance – provides only protection and flexible premiums for a specific period of time, during which, if you die, your beneficiaries will be awarded a benefit. People usually opt for term life insurance until they reach a point where they consider it “safe” to withdraw, such as when their home is paid off or their children graduate from college.
Permanent life insurance – provides lifelong protection to beneficiaries and is priced for you to keep over a long period of time. This type of insurance acquires cash value, and the premiums are usually fixed.
Why is life insurance important?
Life insurance is important to different people for different reasons. Some people may opt to never have life insurance at all. Depending on your financial goals and family situation, your policies and premiums will differ. If you’re afraid of leaving behind a large debt or taking a safety net away from your beneficiaries, you may want to consider buying life insurance.
Get covered
Purchasing life insurance from our providers gives you a variety of options, including the following:
- Income replacement during working years
- Wealth transfer
- Preservation
- Tax-deferred Wealth Accumulation
- Income protection
Insure your future today.
Financial Stability in Tough Times
What is disability insurance?
Everyone relies on a paycheck to provide for them, but what happens when that paycheck stops due to a disability? Mortgage, rent, or car payments don’t go away. Disability insurance is designed to protect those who experience a disability that prevents them from performing their job’s core responsibilities. Most people don’t have months of savings to back them up. So rather than use retirement savings early, you can rely on disability insurance to help you cover those large monthly payments.
hort-term disability
Short-term disability policies typically offer 1 and 3 year benefit periods. It covers monthly debts, such as car and home payments, during your recovery period from an illness or injury.
Long-term disability
If you become permanently disabled, long-term disability insurance can help provide income for you to pay your bills and afford necessities such as groceries.
Get insurance that works for you when you can’t.
Make sure your dental health is protected throughout the years to come.
What is dental insurance?
Dental insurance covers medical expenses related to dental care such as annual teeth cleanings and dental related procedures and emergency visits.
Dental Insurance Offers:
- Annual dentist visits and teeth cleanings
- Cost coverage for emergency visits
- Cost coverage for oral surgeries
- Invest in dental insurance to complete your health coverage today.
Don’t hold back from protecting one of your greatest senses.
What is vision insurance?
Vision insurance covers annual eye exams as well as other eye-related medical expenses. Not all general health insurance plans cover vision, so be sure yours and your family’s is protected.
Vision Insurance Covers:
- Routine eye exams
- Contact lens and other optical exams
- Discounts on vision related expenses
- Coverage for eye-related injury/emergency
- Cover all of your everyday and annual health needs, especially something as important as your eyesight.
Explore the world with confidence.
What is travel health insurance?
Travel, especially international travel, exposes you to risks that you don’t face on a daily basis. Something that many Americans don’t realize is that their government or employer-sponsored health insurance does not cover them for many of these risks overseas. This means that international travelers can find themselves covering their own care, whether it’s a simple doctor’s visit or a large expense like medical evacuation from a remote area. Travel Health Insurance plans are designed to protect you when your trip is affected by unexpected medical costs.
Most Travel Health Insurance Plans Can Cover:
- Doctor/hospital bills
- Medications
- Preventative services
- Medical evacuation
- Trip cancellation/interruption for illness
Travel Health Insurance plans can be written several ways: for short-term or long-term trips, domestic or international, for frequent fliers, individuals, groups, etc. If you’re planning to travel in the near future, get in touch with one of our agents today to see which Travel Health policy is right for you.