Health and Life

• Life Insurance
  In the event of your untimely death people purchase life insurance is a financial product you purchase to protect your family. Many people purchase life insurance to provide money to cover out of pockets costs for medical, funeral expenses, replace wages, cover mortgages and to cover college expenses for their children. Life insurance allows you to sleep at night knowing your family will not be in financial ruins at the time of your death.
• Health Insurance
  Ancillary Benefits supplement personal and group health insurance. These include the most sought-after employee benefits: dental and vision.
• Disability Insurance
  Disability insurance is insurance on your paycheck. If you are unable to work due to an accident or illness that was caused off the job an insurance company will replace a portion of your lost income. There are different types of disability, short and long term. Short Term Disability is designed to cover for a short period of time typically anywhere from 13-26 weeks. Long Term Disability provides benefits for years: 2, 5, 10, 20, to retirement age, depending on your plan. Most disability plans replace your base income of 40-60%. Our team will help you find the best plan that fits your needs!
• Long Term Care
  Long Term Care provides several different services to help a person’s personal or health needs during a short or long period of time who cannot care for themselves. The goal long term care is to help you maintain your lifestyle as you age. To be eligible an individual is unable to perform without assistance of another person, at least two (out of the five) Activities of Daily Living (ADL’s). The five ADLS considered are: bathing, dressing, toileting, transferring and eating. Long Term Care need may result from accidents, illnesses, advanced aging, strokes, or other chronic conditions. Cognitive illnesses such as Alzheimer’s and dementia are also on the rise.
• Dental Insurance
  Dental plans can help you manage your dental care costs. People without dental coverage are less likely to get routine dental care, often waiting until there’s a problem. Routine exams and cleaning can reduce the likelihood of more involved and expensive dental treatments.
• Vision Insurance
  Your vision is essential for everyday activities for you and your family and is not something to be taken for granted. Regular check-ups can help detect conditions such as high blood pressure, high cholesterol, and diabetes before they become more serious. A vision plan can help you save on annual eye exams, frames and lenses.

Business

• Business Insurance