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It is almost impossible to live without health insurance these days. With the rising costs of health care, some people are having a difficult time finding affordable coverage. Whether your employer does not offer health coverage or you are self-employed, you may find yourself in a position where you need to seek your own health insurance policy.

Health Insurance policies offer coverage for:

  • Doctors visits
  • Prescriptions
  • Medical Testing
  • Specialized care
  • Surgical procedures

Although every health insurance policy is different, you can work with your insurance agent to create a policy that best suits your lifestyle and needs. It is important to consider your financial situation AND the health of you and your family members when creating a health insurance policy. Most insurance agents can offer you two types of health care coverage:

  • Indemnity Plans (or fee-for services plans)
    • Cafeteria/Flexible Spending Plans
    • Indemnity Health Plans
    • Basic & Essential Health Plans
    • High Deductible Health Plans (HDHP)
    • Health Savings Accounts (HSA)
  • Managed Care Plans
    • Health Maintenance Organizations (HMOs)
    • Preferred Provider Organizations (PPO)

Your insurance agent may also provide Medicare supplements, long term care, income protection, etc.



Life and Disability Insurance is an important part of your personal and financial safety net. We offer a wide range of Life solutions to protect you and the ones you love.

  • Term Life
  • Permanent Life
  • Disability Income
  • Group Policies

Life insurance is considered the cornerstone of sound financial planning. A life insurance policy has multifaceted benefits that will protect you and your family from unexpected issues that arise in the future as well as provide potential financial benefits.

Life coverage can provide you with the following benefits:

  1. Replacement income for dependents

If you are to pass away, life insurance can replace your lost income to keep your family from financial ruin. For example, if you unexpectedly perish, leaving behind a wife and young children, they will be monetarily supported through your life policy. This coverage will cover any financial obligations you have left behind.

  1. Pay final expenses

Life insurance can cover funeral and burial costs, as well as final medical expenses and debts you may have had as a result of your death.

  1. Create an inheritance for your heirs

You can name your loved ones as beneficiaries on your life insurance policy to create an inheritance for them if you pass away.

  1. Make charitable contributions

You can name a charity the beneficiary of your life insurance policy. This contribution will be much larger than the cash equivalent donation.

  1. Create a source of savings and earnings

Some types of life insurance can be paid as cash value if the policy owner outlives the coverage term. As you pay your life insurance premiums, the payments will accrue interest over time. This cash benefit can be withdrawn or borrowed at the owner’s request.

Types of Life Insurance

  • Term Life

Perhaps the simplest form of life insurance, term life is designed to cover an individual for a designated period of time, often a relatively short period of time. With affordable premium rates, term life insurance provides level premiums for 5, 10, 20, and 30 year periods. The premium rates on term life policies are adjustable by the insurance company based on your assessed risk. Term life insurance does not offer a cash value, it only provides a death benefit.

  • Whole Life

Whole life insurance will remain in effect for the remainder of your life. This type of insurance will accumulate cash values as well as offer level premiums to policyholders. Because the premiums are level, the younger you are when you purchase your whole life policy, the less expensive the premiums will be. Whole life can be considered a long-term financial strategy because it guarantees financial protection for you and your family. A whole life policy will also offer the potential for the policy to earn dividends.

  • Universal Benefits

A universal life insurance policy offers both a cash value and a death benefit for policyholders. The premiums are adjustable depending on the changing needs you require. This account has potential to accumulate value over time.