Life/Health Insurance

Personal Health, Life, and Disability Policies

Your decision regarding life and health insurance could be the most important personal choice you make for yourself and your family. Operating on your behalf, your agent must be knowledgeable about the spectrum of policies available in order to present an optimal plan for you.

As an independent agency with decades of knowledge and access to a world of options, we find the plan that delivers the protection you require and the value you deserve. We also help you understand the considerations that are critical regarding the type of insurance:

Life Insurance provides a vital death benefit that protects beneficiaries, such as in financing children’s education, replacing needed income, and eliminating a mortgage or debt.

Health Insurance choices can be extremely confusing in light of numerous variables, including Medicare programs (like Medigap policies and Medicare Advantage Plans), Health Insurance Plans, and Healthcare Reform.

Disability Insurance provides a paycheck in the event of an illness or injury which prevents you from working.

Long Term Care Insurance is available to assist people who find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed) because of old age, mental or physical illness or injury. These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Contact us for all of your health, life and disability insurance coverage questions and learn how we can help you find the right product for you and your family.