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State Directory- Life InsuranceThrough Principal's simplified underwriting program, you can obtain up to $ 4,000 per month of disability benefit with no blood, urine, or medical records. You can even obtain up to $ 1,000,000 of term life insurance if you meet certain criteria.
- Health InsuranceThe News section will alert you to information that may effect your insurance planning, this may include health insurance premium rate increases, change in insurance regulations, deadlines, news, and other special offers that are available. The news section is updated frequently. Some of the links on our website require Adobe Reader or PowerPoint Reader. The shareware versions of these programs are available for you to download.
- Disability InsuranceDisability insurance can be purchased on either an individual or group basis. Group insurance is usually provided by your employer or purchased individually from an association. Although initially lower in cost, group policies have several limitations. They can be canceled (by the association, the insurance company or by your employer to save cost), rates increase as you get older, benefits are taxed as ordinary income which means you will receive quite a bit less than what you may think you will get and premiums are subject to adjustments based on the claims experience of the group. Finally, group and association policies often contain restrictive language which is not usually found in individual policies and they contain less-generous contract provisions.
- Long Term CareDespite a popular misconception, the need for long-term care isn't restricted to the elderly. In fact, many working age adults have disabling injuries and illnesses, including arthritis, heart disease and mental impairment, as well as stroke and trauma, that require ongoing care.
- Dental InsuranceDental insurance can come in three forms, it can be either a PPO (Preferred Provider Organization) a HMO (Health Maintenance Organization) or an Indemnity plan.
- Vision Insurance
- Business Insurance
- Workers Compensation InsuranceWhether you want to provide coverage to different classes of employees or you want to elect a section 125 plan. We can even include worker's compensation with your coverage which will bring your costs down for both medical and workers comp.
- AnnuitiesEffectively, most 401K plans can offer a wide range of investment choices within mutual funds and variable annuities, since in many cases these mutual funds and variable annuities have "investment only features" allowing them to simply act as "another" investment choice for an existing plan.
- Travel InsuranceSince vacation packages can be expensive and if your are traveling to a foreign country, the services of that country may not be suitable if you become severely sick or injured. If this scares you, you may want to look into travel insurance. The costs of the typical travel insurance is usually around 10% of the price of your trip and usually covers medical evacuation, your flight home and follow-up treatment, plus if you were on a cruise, your cruise cost would be refunded to you. It does not take much to end your vacation and its a small price to pay to have the comfort of knowing that you will have a helping hand when you need one.