Life and Health Coverages

Life
Make sure your loved ones are taken care of if the worst happens. Life insurance can provide them with financial security if you die. As independent agents, we will discuss your situation and can recommend the right type of life insurance. Whether it’s a term policy, a universal or whole life policy, we’ll provide you with options so you can choose what’s right for you.

Health
Health Insurance is designed to pay the costs associated with healthcare (bills from physicians, hospitals, and other providers of medical services.) We can find you a policy with the right coverages and deductibles for your individual needs to prevent financial hardship due to unexpected medical bills.

Long Term Care
Long-term care insurance helps cover the cost of care at home or in a nursing facility. It helps protect your hard earned retirement savings provides you with more control over how and where you receive care. There are many ways to cover yourself for a long-term care situation, not all of them involve buying an insurance policy. We offer insurance and planning alternatives for your consideration. If you want to review several options before making a decision, come see us for a free, no obligation consultation.

Disability
In most cases, a short-term disability will result in reduced income for you and your family. For most people their income makes all other things possible. If your income was lost, you may end up losing many of your possessions, too. That is why disability insurance should is so important. Talk with us about your lifestyle and what you may have at stake, and we’ll help build a plan that will keep you secure now and in the future.

Medicare Supplements
Medicare Supplement Insurance, also known as "Medigap" insurance, provides supplemental health insurance coverage for Medicare beneficiaries. Individuals in the "original" Medicare program may want to obtain Medicare Supplement ("Medigap") insurance because Medicare often covers less than the total cost of the beneficiary's health care.