Insurance Products Offered Through Our Agency

Life Insurance

We offer a variety of Life Insurance Products from numerous Insurance Carriers. Whole Life Policies, Universal Life Policies, and Term Life Policies all provide death benefits that can provide financial relief. However, choosing the right type of plan may vary from individual to individual. Mortgage protection, final expenses, or legacy and support to your spouse or loved ones are just some of the factors to consider when making this decision. Our professional team can help guide you through the process of selecting the right plan based upon your individual goals.

Short Term Care

Short-term care policies can be both beneficial and affordable. Even if you are unable to qualify or afford a long-term care plan, short-term care policies may still be an option to help share in the costs of extended and protect retirement assets. Oftentimes these lines are overlooked because they may not cover all the costs of extended care. However, they are often easier to qualify for and are more affordable in comparison to Long-term care products. Most of our clients are pleasantly surprised at how these products can help share in the costs of extended care with an affordable premium that fits their budget.

Health Insurance

We offer a wide array of health insurance products to supplement Medicare as well as individual and group plans for small businesses. Health care plans are constantly changing and so are your healthcare needs. When searching for your available options it makes sense to have some guidance from licensed agents. Let us help you navigate through the process and answer any questions you may have.

Annuities

We are contracted with numerous carriers that focus specifically on Annuity products. Our team can help place you in the right Annuity product based upon your specific investment needs. Whether you require flexibility or stability to protect assets, annuities can be a great tool to utilize for your retirement planning.

Dental, Vision, and Hearing

Our agency offers a variety of plans that either individually covers dental or any combination of dental, vision, and hearing. If you are in need of one area or any combination of coverage we offer plans that will fit in your budget. Even if you have coverage through Medicare, there are plans that can help with costs associated with Dental, Vision, and/or Hearing. We can review the benefits of these plans and quote you on premium costs so you can compare and contrast. Our agency even offers dental plans with no deductible, network restrictions, or annual monetary caps on coverage. Call us today for a consultation.

Long Term Care

If you are planning for the future, extended care coverage should be considered. Securing long-term care plans at an early age is often a more affordable option than waiting. In fact, due to underwriting requirements, it is best to apply for these policies before you have any major health care problems. Life expectancies have certainly increased over the past 50 years. However, living a longer life does not guarantee you will be able to do so without some assistance. One of the most expensive costs seniors face is extended care. Since Medicare and Supplemental plans do not cover home health care, assisted living facilities, and nursing homes, people are often left with no options but to spend down assets and qualify for Medicaid. With a long-term care policy, you can transfer the risk of these rising costs to the insurance carrier. Planning is important when considering these products and we recommend speaking to a licensed agent at an early age if you are considering a long-term care policy to find out if it is right for you.

Critical Benefit and Hospital Indemnity

Even if your only option is a high deductible individual or group health care plan, you can often find supplemental coverage to help cover or share in the costs of hospitalization or upon the diagnosis of a serious health condition. These affordable plans can transfer the risk of expenses related to a hospitalization or treatment for certain critical illnesses. Cancer, Heart Attack, and Stroke will often lead to hospitalization and treatment that can hit an individual or family hard in a time of financial need. The benefits of these plans can help cover the costs of high deductibles, treatments that are not covered by your health insurance policy, travel expenses, and/or loss of income. These plans are important to consider for anyone who is properly planning their future. Let our team show you how these plans can be a helpful tool for you.