Health and Life

• Life Insurance
  We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request.  This includes using your information to provide you with accurate insurance premium quotes, help process and underwrite and your application for life insurance, and to keep you updated on the status of your purchases.  This involves sharing your information with insurance carriers offering insurance products that fit your needs.
• Health Insurance
  We offer individual comprehensive Connecticut health insurance through carriers you know and trust. Comprehensive health coverage is perfect for those who may have a pre-existing health condition and plan to use a lot of health services during the year. This type of coverage is also good for those who qualify for a federal premium subsidy which allows you to have full coverage at a lower premium. Thus, determining the type of health coverage you should buy really depends on your circumstances. Since the state of Connecticut, nor the Federal Government, mandate that you have comprehensive coverage to avoid a penalty, you may want to buy a non-ACA Supplemental Health Plan that is a smart, affordable alternative designed to protect you and your family’s physical health and financial wellness, without breaking the bank.
• Disability Insurance
  Disability Insurance protects your ability to earn a living during your working years. In other words, it protects one of your most valuable assets. And, this is pretty important considering that statistics show our chances are greater of becoming disabled than dying between the ages of 25 & 45. During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through a monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle.
• Dental Insurance
  Regular dental exams help employees stay healthier and more productive in the work place. And, studies show that simple routine visits to the dentist (which are usually covered 100% by insurers), help to detect serious underlying conditions such as heart disease and diabetes. The National Association of Dental Plans and the Centers for Disease Control have performed studies that show that employees with Dental Insurance plans have better attitudes and are less likely to suffer from depression, a common condition in today’s fast-paced world.
• Vision Insurance
  Individual and family dental & vision plans or policies are relatively inexpensive and can be purchased any time of the year.  Studies have shown that having access to dental and vision care promotes overall well-being.  Regular dental and vision exams optimize eye and oral health, and can also detect serious underlying medical conditions. Some studies have even shown that people who have dental and vision insurance suffer less from depression, than those who do not have coverage.

Personal

• Travel Insurance
  Medical travel insurance is typically very affordable and provides valuable medical coverage when traveling in the US or abroad, much like a regular health insurance policy. Most often these types of policies will cover care and services that are not typically covered by your regular health policy or Medicare.
• Identity Theft Insurance