Life and Health Insurance

Having adequate life as well as health insurance is vitally important to provide you and your family with a safety net and to give you peace of mind.

There are different types of life insurance policies that serve different purposes with different coverage. The death benefit can be used to replace lost income, pay off the mortgage, and cover other expenses such as your children's education, funeral costs, and medical expenses.

Health insurance also goes beyond covering the costs of doctor's visits and hospital stays. We offer supplemental health insurance including dental, vision, hearing, critical illness, disability, and accident insurance. In addition, we assist seniors with their Medicare plans and offer several Medicare Advantage and Medicare Supplement plans.

Term Insurance

Term life insurance is a policy that provides coverage for a predetermined number of years. It is relatively inexpensive compared to permanent life insurance. Young families can benefit from term policies to cover income, mortgage, education, and other expenses due to the loss of a loved one.

Final Expense Insurance

Final expense insurance is a whole life insurance policy. It is often referred to a funeral or burial insurance and has a smaller death benefit compared to most other whole life policies. It helps protect families and loved ones from the burden of funeral, burial, medical, and other final expenses.

Whole Life Insurance

Whole life insurance provides permanent death benefit coverage for the life of the insured and will never expire as long as premiums are paid on time. The policy includes a savings component which is referred to as "cash value" which accumulate and can be used for policy loans or withdrawals.

Annuities

An annuity is a contract between you and an insurance company that provides a fixed income stream for a person's lifetime or a specified period of time. They offer tax-deferred growth of earnings and may include a death benefit for the beneficiary. Annuities are designed to help fund retirement or meet other long-range goals.

Medicare

Original Medicare consists of Part A (Hospital Insurance) and Part B (Medical Insurance). With Original Medicare, Part D (Prescription Drug Plan) is separate. Medicare Advantage (Part C), bundles Part A, Part B, and usually Part D. Medicare Supplement plans (Medigap) offer coverage for services that Original Medicare does not cover.

Supplemental Health Insurance

Supplemental insurance can help cover many out-of-pocket expenses that Original Medicare does not cover including dental, vision, or hearing care. Critical illness, accident, and disability insurance can also protect you and your family from the high costs of unexpected medical costs and other expenses.