- Life InsuranceFixed life insurance is a key planning tool. Should something happen to you, the insurance proceeds walk through the door right after you walk out. It allows you to protect your family for a fraction of the cost of setting aside your own savings and although it will never replace you, it will lessen the financial burden giving your loved ones less to worry about as they grief your loss.
- Health InsuranceFor those that in between jobs, self-employed or may not have access to health care insurance at work there is individual medical insurance. There are multiple plans available to help fit your needs.
- Disability InsuranceDisability insurance protects your income, that which pays for your current lifestyle. Should a sickness or injury prevent you from being able to work this coverage helps replace part of your income. It is also portable and can follow you from job to job.
- Long Term CareLong-term care refers to the ongoing services and support needed by people who have chronic health conditions or disabilities. There are three levels of long-term care.
- Dental InsuranceAside from protecting your smile, dental care ensures good oral and overall health. Several studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your body—including your heart. Understanding and choosing dental coverage will help protect you and your family from the high cost of dental disease and surgery.
- Vision InsuranceWith more and more screens to look at these days it is important to take good care or our eyes. Even those with perfect vision benefit from getting an annual exam. Like dental exams, vision exams can discover if a patient has hypertension, or even diabetes. Most vision plans are low in cost and cover an annual exam for a small copay plus access to glasses and/or contacts.
- Travel InsuranceIf you are planning on traveling outside of the United States, you will want to consider purchasing an international travel insurance policy. Most local insurance plans will cover you internationally in emergency situations, but they will not cover the less urgent issues such as everyday illnesses (cold, flu, etc.) or unexpected injuries (broken bones, abrasions, sprains, etc.). Below are links to 2 different international insurance plans and concierge services. Not only do they provide peace of mind by providing health insurance, but they also offer translation services and one place to call if you have a health-related issue while traveling. In short, they take the stress out of an unexpected health situation while traveling abroad!