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Many don't think they need insurance until they are in the hospital but by then it is too late.

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INSURANCE 101

Health
Insurance

Health insurance provides coverage for medicine, visits to the doctor or emergency room, hospital stays and other medical expenses. Policies differ in what they cover, the size of the deductible and/or co-payment, limits of coverage and the options for treatment available to the policyholder. Some considerations that should be evaluated as part of your policy are:

  • Doctor visits

  • Surgical Services

  • Pharmacy Services

  • Outpatient Services

  • Hospital Services

Supplementary Insurance

Many services fall into the category of supplementary insurance. They compliment your health insurance coverage by filling in gaps or by adding additional coverage for specific considerations. We offer these categories:

  • Accident

  • Critical Illness

  • Disability

  • Telemedicine

  • Dental

Life
Insurance

Life insurance is a protection against financial loss that would result from the premature death of an insured. The death benefit is paid by a life insurer in exchange for premium payments made by the insured. The goal of life insurance is to provide a measure of financial security for your family after you die. 

  • Term Life Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is permanent insurance that remains in force for your lifetime, provided premiums are paid as specified in the policy. 

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