Personal Health Insurance (coverage for an individual or family):
Must be in relatively good health for approval but once on the plan you cannot be canceled in the event you later develop medical conditions. Rates are “pooled” which protects you against rate increases due to large claims you may later incur. All major health plans are in our portfolio for you to compare rates. Rates assume that you do not have any medical issues. Please be aware that your health can affect your rates. Please call us to discuss the impact of your medical history for a more accurate quote. |
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Group Health Insurance (coverage for employers and employees):
Your guaranteed approval by law, regardless of medical conditions. To qualify as a “group” you need a minimum of 2 full time workers and/or 75% of all full time employees (whichever is greater). It can be an owner and 1 employee or a married couple if both work full time or if the business is incorporated and both spouses are listed as officers of the corporation. All major group health plans are available for comparison shopping. |
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Business Insurance:
Comparison shop with us. We can provide you rates and coverage from the leading major carriers of worker’s compensation, general liability, and commercial property, commercial auto, and umbrella insurance. Our professionals seek out the best value plans that balance quality and price for your business. For us to do a proper job we need information from you. Please call us for rates and information. |
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Senior Health Insurance:
Rates and benefits for many of the major Medicare supplement plans in the market. Downloadable applications are available online for quick and easy enrolling. Get a quote on our website and feel free to call use us with any questions or requests for additional information. We are a FREE reservoir of information based on over 20 years of experience. There is never any cost or obligation to use us. |
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Long Term Care Insurance:
This is coverage is for a person has difficulty taking care of themselves due to injury or old age. As a society we are living longer and, statistically, 60% of individuals over age 65, at sometime during their lives, will need assistance with the tasks of daily living. Who will render that care, children, or friends? Do you really want to put that burden on them? What if your medical needs require you to be in a nursing facility? Who will pay for your care whether you receive it at home or in a nursing facility? Medicare will NOT pay for this assistance and the State will only pay for it after an individual exhausts their liquid assets and will, typically, reclaim a home after death for reimbursement for services. Insurance is one of most cost effective methods for paying for Long Term Care services but you can ONLY obtain it while you are in good health. Please to talk to us about this very important coverage. |
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Disability Insurance (for individuals and groups):
Pays you an income in the event your unable to work. Call us for info and rates. |
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Life Insurance:
You compare term life insurance rates from a wide variety of major term life insurance companies. Please remember, the rates quoted assume you are in excellent health. Your health will actually determine your actual rates.
Final rates are determined after a review of your current and past medical history. You are under no cost or obligation for a review of your health. |
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Travel Insurance:
Health insurance for when your traveling outside the USA or as a foreigner coming to the USA. Typically, covers health insurance, Emergency medical evacuation, life insurance, repatriation of remains in the event of death. |
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