Products

Products

Dental Insurance:
There is more and more research that is proving that there is a strong link between the health of your teeth and gums and the development of medical conditions.   Bacterial infections in your mouth can travel and infect other parts of your body.  Dental care has switched from restorative dentistry (fillings, root canals and crowns) to preventive.  The recommendation is to get a dental exam at least twice a year. Dental insurance plans are available for every budget to help stem the cost of dental expense.   We can help you find the right one for your employees or your family.

Disability Insurance:
What is more important to protect than your income, the most valuable asset you have?  If you had an accident or serious illness and could not work, would your have any help with  medical expenses or your everyday household expenses.  Disability insurance can help cover all these important things and take the worry of not meeting your bills.  Whether for an employer group or individual we have a plan that fit your budget and needs.

Health Insurance:
This is one of the most confusing products on the market today.  Between knowing the terms of what a deductible, co-insurance, out of pocket and prescription drug coverage can mean to your pocket book, the types of plans are confusing as well. Using a certified and qualified agent to guide you through the decision making process can be beneficial to you.

Life Insurance:
This product can keep a family from financial disaster if the main bread winner dies unexpectantly.   There are two main types of life insurance:  Term Life that covers you for a set number of years as few as 5 and as many as 30, or Whole Life insurance that can be considered a savings plan with a death benefit if the policy holder dies.  There are a variety of products and companies with different types of coverage.   It is best to consult with a life insurance agent to find the right product for you.

Accident Insurance:
When accidents happen, they’re often followed by a series of bills. Even with sound health insurance, you can still have out-of-pocket expenses, such as doctor bills, ambulance charges and emergency room fees. Our accident insurance plans can help offset the unexpected medical expenses that may result from a fracture, dislocation or other covered accidental injury.

Long Term Care:
Long Term Care insurance covers needs that are not covered by Medicare or Medicaid.  Long Term care policies generally cover home care, assisted living, adult daycare, respite car, hospice, nursing home and Alzheimer’s facilities.  Long Term care insurance helps to pay for out of pocket expenses.  The kinds of long term care plans and premiums available vary with the needs of the client and allow them to choose the daily coverage amount and terms of the policy.

Vision:
Vision plans typically cover an eye exam every 12 months and may include an allowance for frames and contacts.  This is an important part of overall health care.  We have plans available for individuals and employer groups.

Medicare Products:
Medicare Products whether it is a Medicare Advantage plan, a Medicare Supplement plan or a Prescription Drug plan we have the knowledge to help you choose the one that will work for you.  There is a vast amount of plans out there to choose from.  We market for the ones we think will best suit our client’s needs.