Life Insurance is critical in protecting your family from financial difficulties. No one wants to leave their family's future up to chance but unfortunately serious accidents and injuries occur to people of any age. Whether you are the main income provider or not, each person brings financial benefits to the family. There are many different types of life insurance plans and determining the best program can be confusing.
Health Insurance
Over the last decade Group Health Insurance has grown into a major business expense – we understand the impact this is having on our customers. Not only is it expensive but it is in a constant state of change requiring more resources to understand the options and make the difficult decisions. Regardless of the size of your group – from two person groups to self-insured plans with hundreds of people – we can help you breakdown the choices and make informed decisions. We have dedicated health insurance professionals that help you decide which program provides the right combination of coverage and premium. Simplifying the choices is a key part of our approach. And equally important, we help you with employee claim issues, questions and benefit meetings. If your suffering from information overload or are finding health insurance taking up to much of your time and resources let us provide you with an alternative. We are happy to come to your business and help make health insurance an easier process.
Disability Insurance
Individual Disability Insurance is an area that many people overlook. While you may have income protection for on-the-job injuries through your employer's workers' compensation coverage you are still vulnerable to lost income due to other injuries or illnesses. We have a number of disability polices tailored to fit your needs and that are affordable. Let us discuss this important coverage and show you how it can help provide you financial security should an accident or illness occur.
Long Term Care
Individual Long Term Care Insurance is another product that many people only recognize as importance after a loved one is in need of this critical and very expensive care. Long term care is an insurance policy that pays part or all of the cost of an extended stay in a skilled nursing facility or in some cases at home with extensive in home care. This type of long term care is not covered by your standard health or Medicare coverage. The coverage can be affordable if purchased early before the need is at hand or potentially serious medical conditions have already manifested themselves. Please ask about this coverage and we would be happy to provide more details about its costs and benefits.
Our strength has always been a strong commitment to product knowledge, maintaining a professional staff and a focus on customer service. We offer a full range of insurance products (auto, home, life, health, Medicare and business insurance). This has allowed us to grow our customer base and expand our relationships with the companies we represent.