LIFE INSURANCE
“Buy life insurance to protect the ones you love”
Term Life Insurance
Coverage for a specific term or length of time, typically between 10 and 30 years. It’s designed solely to give your beneficiaries a payout if you die during the term.
Whole Life Insurance
When you purchase a whole life insurance policy, you have lifelong protection – it does not end after a specified term.
Cash Value Term Life
Cash value term life insurance is a term life insurance plan that also builds cash value, which you can use in two important ways.
UNIVERSAL LIEFE INSURANCE
A universal life policy is another form of permanent insurance that offers the cash value and lifetime coverage benefits of whole life.
VARIABLE UNIVERSAL LIFE INSURANCE
Flexibility in premiums, death benefit and investment options allow you to customize your lifelong variable universal life insurance policy.
Final Expense Insurance
Final expense insurance is a form of life insurance intended only to cover end-of-life expenses such as funeral and burial costs.
What are the basic features of a life insurance policy?
- The death benefit: The amount of money the insurance company will pay when the insured person dies. Typically, this benefit is income-tax free.
- The beneficiaries: The person or people who get the death benefit. It can all go to a single person (e.g., a surviving spouse), or it can be divided by percentage among a few people (e.g., a spouse could get 50%, and two adult children could each get 25%). And by the way, a beneficiary doesn’t have to be a blood relative or even a person – if you choose, you can leave all or part of your death benefit to an entity, such as a charitable cause.
- The policy length or term: The time period that the insurer agrees to pay a death benefit. In a term policy, it’s defined as a specific number of years, such as 10, 20, or 30. A permanent policy lasts for the life of the insured, for whole life as long as premiums are paid, and for universal life as long as the policy is funded properly to pay monthly expenses.
- The premium – The monthly or yearly payments needed to keep the policy in effect.
- The cash value – The policy’s investment component that builds over time and can be cashed out or borrowed against.A term policy has no cash value.
What do you need to start a life insurance quote?
- Amount of outstanding debt left on things such as mortgage, loans, etc.
- Specific information regarding medical conditions
- Income level and occupation
- General medical information you may be asked about includes height, weight, blood pressure, and cholesterol level
Get A Life Insurance Quote
Wherever you are in your life, we can offer a life insurance policy to help meet your needs and provide the security you want.
HEALTH INSURANCE
“Getting quality individual health coverage you can afford doesn’t have to be difficult. Let’s find the plan for you.“
MEDICARE PLANS
Are you turning 65? On disability? Already have Medicare? Whatever you’re looking for, we’re here to help you find just the Medicare plan you need.
HEALTH MARKETPLACE
Like millions of newly uninsured Americans, you have short-term, marketplace, even Medicaid health plans to choose from. We can help.
ACCIDENTAL MEDICAL EXPENSE
Accident insurance is an extra layer of protection that pays you cash when you suffer an unexpected, qualifying accident. It provides you money to cover any extra, out-of-pocket expenses associated with your injury.
DENTAL INSURANCE
Dental insurance doesn’t just cover cavities and cleanings, it helps cover some of the cost you pay every time you visit the dentist. It helps ensure you don’t end up with expensive bills when you need more extensive dental work or oral surgery.
VISION INSURANCE
Vision insurance helps protect the health of your eyes, including routine visits to the optometrist for eye exams as well as coverage for glasses and contacts.
CANCER INSURANCE
Every year, more and more people are diagnosed with cancer. Unfortunately, in addition to bearing the physical and emotional toll of this disease, patients are often saddled with financial burdens when medical insurance falls short or income is compromised.
We specialize in helping you find the right Medicare Supplement or Medicare Advantage plan. Getting a Medicare Supplement or Medicare Advantage plan doesn’t have to be difficult. Let’s find the plan for you.
- Look to us for help finding Medicare Supplement insurance or an affordable Medicare Advantage plan
- Relax while we compare Medicare Advantage plans for 2022 from some of the most trusted providers available in your area
- Call and consult with our licensed agents on plans, benefits and enrollment
- Simplify the process; we keep it user-friendly start to finish, and you get the right Medicare plan in just a few steps
What’s the right Medicare plan for you?
Medicare Supplement Insurance Plans
It’s easy to feel a little confused by all the benefits you can add to original Medicare (known as Part A and B). At the same time, “Supplemental” Medicare insurance lets you tailor a plan that covers many Medicare co-pay and co-insurance costs based on the price you can afford. Want a plan of your own? We’ll make it easy to find the one that works for you.
Medicare Advantage Plans
Medicare Advantage lets you “bundle” extra benefits like prescription (Part D) and dental coverage into a single, managed-care package that works within a provider network. But benefits, premiums and other costs vary between plans—so we look at your needs and work with your budget to help you make the right choice.
Individual health insurance with basic coverage We’ll find a plan that fits your needs and budget.
The Health Insurance Marketplace helps you find health coverage that fits your needs and budget. Every health plan in the Marketplace offers the same set of essential health benefits, including doctor visits, preventive care, hospitalization, prescriptions, and more. We can compare plans based on price, benefits, quality, and other features important to you before you make a choice.
Who is eligible for Health Insurance Marketplace?
To be eligible to use the Health Insurance Marketplace, you:
- Must live in the United States
- Must be a U.S. citizen or national (or be lawfully present)
- Cannot be in prison
No matter what state you live in, you can use the Marketplace. Some states operate their own Marketplace. In other states, the Marketplace is run by the federal government.
