Life insurance is a crucial step in planning for your future and your family's future. It can fulfill promises and obligations to your family if you are no longer living.
The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.
Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are also benefits to certain types of life insurance plans during your lifetime.
Contact us today for more information about Life Insurance.
Long Term Care
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Group Life, Disability
Health Insurance is one of your most important needs. Without it, one serious illness or accident could wipe you out financially. We offer information that will help you decide which is the best plan for you and your budget.
Most Americans get health insurance through their jobs or are covered because a family member has insurance at work. This is called group insurance and is generally the least expensive kind.
Some employers offer only one health insurance plan. Some offer a choice of plans: a fee-for-service plan, a health maintenance organization (HMO), or a preferred provider organization (PPO). These plans differ in significant ways and can be explained in detail by our agent.
Not all employers offer health insurance. You might find this to be the case with your job, especially if you work for a small business or work part-time. If your employer does not offer health insurance, you can buy an individual policy, however, you should utilize your agent to compare your options and shop carefully for the best coverage for you.
Contact us today for more information about Group Life and Disability Insurance.