Benefits, Life & Health
Health Insurance is one of your most important needs. Without it, one serious illness or accident could wipe you out financially. We offer information that will help you decide which is the best plan for you and your budget.
Most Americans get health insurance through their jobs or are covered because a family member has insurance at work. This is called group insurance and is generally the least expensive kind.
Some employers offer only one health insurance plan. Some offer a choice of plans: a fee-for-service plan, a health maintenance organization (HMO), or a preferred provider organization (PPO). These plans differ in significant ways and can be explained in detail by our agent.
Life insurance is a crucial step in planning for your future and your family’s future. It can fulfill promises and obligations to your family if you are no longer living.
The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.
Types of Plans:
- Term LIfe Insurance – Individual
- Term Life Insurance – Group
- Universal Life Insurance
- Whole Life Insurance
Health Insurance Plans
Health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive.