Products
we offer:
Health
A policy designed
to pay for some of the costs associated with medical expenses in
or out of the hospital, medical clinic or doctor's office. To learn
about four different types of plans available with over 15 options
to choose from, please Click here for a quick quote on individual and/or Family Health Insurance.
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Long
Term Care
The seven most urgent priorities to ask yourself whether or not long-term care is right for you.
- I want to avoid depending on others for my care.
- I don't want to be a burden to my children or my spouse
- I want to preserve my independence and avoid welfare
- I want to maintain access to quality care.
- I want to protect my assets and have an estate for my heirs.
- I don't want to leave a legacy of debt.
- I don't want to spend everything that took a lifetime to create
There's a good chance that you may need to pay for a nursing home,
assisted living or home health care one day. In fact, more than
half of the U.S. population will require long-term care at some
point in their lives.
If you're
concerned about being financially secure during your retirement
years, and do not want to be a burden to your children, you owe
it to yourself and your loved ones to protect yourself against
what could be the greatest threat to your financial security,
the cost of long-term care. click here for more info..........
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Disability Insurance
Becoming disabled through an injury or sickness can mean a significant
loss of income. Disability insurance is a form of health insurance
that provides a person who becomes disabled with income to cover
living expenses that continue in spite of the disability.
Consider
these facts:
- One in five people will be disabeled for one year or more
before age 65*.
- The chance of a long-term disability is, at a minimum, twice
as great as
death.
* The National Underwriter Co. 1989. ^ 1985 Society
of Actuaries DTS, as reported in Best's policy Reports, Feb. 1999
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Annuities
Americans are living longer and spending more time in retirement.
In fact, the average American will be retired for 18 years. A
retirement nest egg is probably the largest amount of money you
will ever need to accumulate. How will you do it? One way is to
think about a fixed annuity.
Fixed annuities
are a very safe, risk-free way to plan for a comfortable retirement.
The money is protected because it is placed with an A-rated insurance
company, grows tax-deferred, and you can get a guarantee that
you'll never out live the income you receive from the annuity.In
addition, annuities bypass the costly probate process, and yet
you still have access to some of the money if the need arises.
To see if
an Annuity is a great investment for you ask yourself these questions:
- Are you interested in a secure way to invest your money?
- Do you have some disposable money that you do not need for
your daily requirements?
- Are you interested in earning more interest in a longer-term
investment?
- Do you have some low interest CD's that are near maturity?
- Would you like access to your money for those rainey day needs?
- Do you prefer to have your principal guaranteed and not subject
to market ups and downs?
If you answered YES to any of these questions give us a No-Obligation
call to discuss the many options available. Click here for more info...........
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Mortgage
Protection
Taking out a mortgage or refinancing can be a scary proposition.
You owe tens or even hundreds of thousands of dollars to the mortgage
holder. What happens if one of the family breadwinners suddenly
passes away, or has a chronic, critical(heart attack, cancer,
stroke, or organ transplant) or terminal illness? Mortgage
protection insurance covers this potential financial disaster.
You can purchase
a policy when you first buy your home, or later if you think your
situation warrants it. The idea behind mortgage protection insurance
is straightforward: You pay a premium, which remains the same
for the duration of the policy, and if you should die during that
time, or become chronically or critically ill the insurance pays
a benefit to you or your choice of beneficiaries in case of death,
who then exercise the options of paying the mortgage in one lump
sum, investing the proceeds and continue to make house payments,
or use the proceeds to move to a new home.
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Seniors
Medicare is a federal health insurance program for people 65 years
of age or older. It pays for much of your health care, approximately
80%, but not all of it. Other costs such as prescription drugs,
deductibles, and coinsurance are not covered at all. Medicare supplements
are a health insurance policy sold by private health insurance companies
to fill the "gaps" in Medicare coverage.
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Life Insurance
A policy that will pay a specified sum to beneficiaries upon death
of the insured.
Types of Insurance:
Term Insurance: a
pure insurance policy that lasts for a specified term, typically
10, 15, 20, or 30 years. Ideal for budget conscious families
particularly ones just starting out.
Universal Life - A
permanent, flexible life insurance policy that may last up to
100 years or more, builds cash values and allows for flexibility
of raising or lowering both the death benefit and the premiums.
Call
and ask us about Life Insurance You Do Not Have To Die To
Get Paid.
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