Insurance Details
- Life insurance protects individuals and families against financial loss due to death.
- Term Life is low- cost protection that runs for a specific length of time. Policies can provide locked in pricing and coverage for any length of time. It only provides a death benefit.
- Whole and Universal Life is lifetime protection. In addition to the death benefit, the policies accumulate a tax deferred cash value which can be a good investment when compared with term insurance
- Medicare is for people 65 and older. The national program includes Part A (Hospital) and B (Medical). To extend coverge, people can enroll in traditional Medicare supplements or Medicare Advantage plans.
- Choosing a Medicare plan is an important decision. We recommend coming into the office to discuss your options.
- For people under 65, we offer the usual range of plans such as high deductible major medical plans or any number of HMO or PPO based plans. For lower premium costs, consider a high deductible plan and use it with a tax- deductible Health Savings Account.
- Dental Insurance is a type of health insurance. It helps pay a percentage of associated dental care costs.
- A health benefit that at least partially covers vision care, like eye exams and glasses.
- Replaces a portion of your income if you become ill or injured and cannot work.
- Many people have some employer coverage, but employer coverage is typically a small amount and only for a short term, with a maximum of 13 or 26 weeks.
- It is important for most people to supplement employer coverage with a personal policy.
- Designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.
- The cost depends on how old you are at the time of purchase and how much coverage you need.