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Individual Benefit Policies
The majority of individuals obtain their health insurance coverage through an employer or through a government program, in the event that you do not, you can purchase private coverage on an individual basis.
Whether you are an early stage entrepreneur, a self-employed professional, someone between jobs, a full-time student, or a parent needing affordable coverage for dependent children, we have programs and solutions to protect you and your family.
Health Insurance
Individual Plans
The majority of people have employer-sponsored health insurance. But the number of people with individual health insurance coverage is growing. And individual health insurance is actually more affordable than you think. There are plenty of individual health insurance plans to choose from.
Here are the most common types:
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HMOs (Health Maintenance Organization) | |
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HMOs (Health Maintenance Organization) | |
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Health Savings Account (HSA) Plans | |
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Fee For Service (FFS) Plans |
Small Business Owner 2 people or more
If your company employs at least two, but no more than fifty people, small business health insurance can benefit both you and your employees alike. When you choose a group plan, you can save on personal health care costs, increase tax deductions, and boost job satisfaction within your company.
Disability
Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation.
Sudden illness and serious accidents can result in the loss of income, which is critical to most people and their families. In situations when an individual is out of work for an extended period of time due to accident or sickness, Long Term Disability provides a monthly payment based on a set percentage of an individual's salary/income.
Our goal is to provide you with a resource to make an educated decision on your own.
Life Insurance
Individual Life Insurance business creates and distributes individual life insurance policies including variable life, term life, universal life, and survivorship life products. This individual life insurance income can be used for current expenses, college expenses, and business purposes. Life insurance is to help protect those you love.
Term life insurance provides coverage for a fixed period of time and typically may be renewed after the initial contract term expires.
Permanent life insurance provides coverage for an indefinite period of time. Whole life insurance premiums remain at a fixed level for the duration of the policy while universal life offers flexible premiums.
Universal life insurance offers policy owners the flexibility to choose both the amount of insurance and the premium to be paid with a range of potential premiums. As needs change, the amount of coverage and premium paid may be adjusted, subject to certain limitations.
Mortgage Life Insurance
Home ownership is the single and largest investment most people will ever make and with it comes the biggest debt most people will ever incur. This could very well be the greatest burden placed on your family if it is not properly protected.
Mortgage Life Insurance protection can provide benefits for your family to pay-off the outstanding mortgage balance or provide income for future payments. It can be the difference in your family’s ability to keep their home or lose it should you or a family member suffer an untimely death.
Your policy will provide survivors with a tax-free benefit to pay off your mortgage and possibly cover some final expenses. This coverage is available for all members of your family, including children - even if their names are not on the mortgage.
