Individual and Family Health Insurance
Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.
Group Health Insurance
We provide insurance to members of a formal group such as employees of a firm or members of an association. Group insurance is distinguished from individual insurance in which single policies are sold to one person at a time, and from social insurance (e.g. unemployment insurance, social security), which is sponsored by the government. Because every group is different, we take the time to find the right plan for your group.
Dental Plans
Dental insurance allows you to continue using your current dentist in most situations. Discount Dental Plans offer the greatest flexibility of coverage at the lowest cost, but you have to use a dentist that is in their network. You can also enroll in individual dental/vision/Rx discount/chiropractic and massage plans.
Life Insurance & Annuities
Life Insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so you can plan for the future.
Americans are living longer and spending more time in retirement. In fact, the average American will be retired for 18 years. A retirement nest egg is probably the largest amount of money you will ever need to accumulate. How will you do it? Think about a fixed annuity. Fixed annuities are a safe, risk-free way to plan for a comfortable retirement. You do so, on a tax-deferred basis. The money is protected, and you can get a guarantee that you'll never outlive the income you receive from the annuity. More Information?
Americans are living longer and spending more time in retirement. In fact, the average American will be retired for 18 years. A retirement nest egg is probably the largest amount of money you will ever need to accumulate. How will you do it? Think about a fixed annuity. Fixed annuities are a safe, risk-free way to plan for a comfortable retirement. You do so, on a tax-deferred basis. The money is protected, and you can get a guarantee that you'll never outlive the income you receive from the annuity. More Information?
Disability Insurance
Becoming disabled through an injury or sickness can mean a significant loss of income. Disability insurance is a form of health insurance that provides a person who becomes disabled with income to cover living expenses that continue in spite of the disability.
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Long-Term Care (LTC)
Long-term care (LTC) is a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time. Long-term care may be needed by people of any age, even though it is a common need for senior citizens. More Information?
Seniors/Medicare
Medicare Supplemental Policies are for Individuals 65 and older or Individuals under 65 that are disabled. These plans have been pre-designed by Medicare and all carriers that offer Medicare Supplement Policies, designs are the same. What separates one company from the other is Cost and Providers. Open Enrollment occurs every year and it begins in October and ends in December. This allows you to change carriers and plans during this time for a January 1 effective date. More Information?
Short Term/Temporary Insurance
Short-Term Medical is for people who are in-between jobs or have lost coverage due to graduation from school and are no longer eligible under their parent’s policy. Please note that short term coverage can only be written for a maximum period of six months per policy and no more than two policies in a year period.
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More Information?