INDIVIDUAL INSURANCE
Individual Health Insurance
It is essential that you and your family have health insurance. It is said that, more than 60% of bankruptcies in the United States are the result of medical bills. Health insurance is expensive. Medical bills are far more expensive though. We represent several carriers who offer individual health insurance. Call us today, we want you to be covered.
Life Insurance
Taking out a life insurance policy to protect your loved ones is a wise financial planning tool. Here are some of the benefits of having a life insurance policy:
- To guard your loved ones from income loss or financial devastation. Regardless of your situation, there is a good chance you have one or more loved ones depending on you. In the event of your death, life insurance will serve as a partial replacement for your lost income protecting your loved ones from financial crisis.
- Life insurance is commonly used to pay for final expenses, such as burial costs, estate taxes, unpaid debts and medical expenses.
- Life insurance can leave an inheritance to your loved ones even if you currently have no assets.
Individual Disability Insurance
If something unexpected were to happen, would your savings or the disability benefits you receive through your employer be adequate? Individual Disability Insurance will help protect a portion of your income and will provide protection if you become permanently disabled. Disability Insurance is vital if you depend on your income to pay bills or to maintain the lifestyle you are accustomed to. Here are some of the benefits of having Individual Disability Insurance:
- It can complement existing disability coverage that may be available to you.
- Helps protect a portion of your earned income to help maintain your current lifestyle.
- Fully Portable. You own the policy and can take it with you throughout your career.
- There are flexible solutions for various income levels.
Individual Dental Insurance
Dental coverage will help you afford to have the treatments, surgeries, and check ups you need to keep your teeth and gums healthy. Having good dental coverage can help provide optimum health and can help prevent many serious problems down the line.
Long-Term Care Insurance
When the need for care first arises, you will probably turn to family members or friends. However, your needs may go beyond their ability to help – whether physically or financially. This is where long-term care insurance policy comes in. Long-term care insurance allows you to get the care you need in the setting thats right for you. Many people prefer to remain at home as long as possible. Your policy provides benefits to help you get the care you need in the comfort of your own home. Sometimes, more care is needed than can be provided at home. Should that happen, your policy also covers care you receive in an assisted living facility or nursing home.