- Life InsuranceA life insurance policy is a contract with an insurance company. In exchange for premiums (payments), the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries in the event of the insured’s death.
- Health InsuranceIndividual and family health insurance is a type of coverage that is made available only to individuals and families, rather than to employer groups or organizations. Individual and Family plan deductibles and co-pays are usually higher than employer group or organization plans in order to make the premiums more affordable. Therefore, you may be pleasantly surprised with the variety and affordability of the individual and family health insurance options. Enter your zip code below in order to get free personalized quote now!
- Disability InsuranceDisability Insurance, often called DI or disability income insurance, is a form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example the inability to focus or maintain composure as with psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits, and long-term disability benefits. Statistics show that in the US a disabling accident occurs on average once every second.
- Long Term CareIndividuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.
- Dental InsuranceA PPO dental plan allows you to use any dentist. However, you will only receive the FULL the benefits of the plan if you use an IN-Network Dentist. Dentists sign up for the PPO network hoping to get more patients to treat. In acknowledgment of the referrals an insurance company provides, the dentists offer lower rates for the clients of a particular dental insurance provider. The result is lower fees for patients. Patients, however, often have to choose from a network of specific dentists or face higher fees or decreased benefits. These plans usually have a maximum benefit ranging from $1K to $2K annually.
- Vision InsuranceVision Insurance helps offset the costs of routine checkups as well as help pay for vision correction wear that may be prescribed by the attending physician.We offer Vision Insurance from the two Insurance companies below.
- Workers Compensation Insurance
- Travel InsuranceIn addition, remember that leaving your destination—for a place with higher quality medical care or to return home where your regular insurance is accepted—can be difficult. Medical evacuations are tricky to arrange and there are some air ambulance providers who should be avoided. Worse, local authorities may have financial ties to certain evacuation companies. The solution? Most travel insurance includes a medical assistance benefit, which is critical. It gives you 24/7/365 access to a company that will arrange an evacuation for you with a creditable evacuation company–or, through their medical personnel, can help assure that you’re getting appropriate treatment locally. The assistance company will also be available to help with other travel related problems such as legal troubles, lost passports or credit cards, etc. Emergencies are rare but everyone should have a contingency plan.