Medical Care and Final Expenses are two common difficulties that individuals and families face. Let us be your advocate whether you're choosing health insurance to manage your risk for medical costs or planning ahead to cover final expenses so that your loved ones don't have to.
We offer a variety of health insurance products including medical, dental and vision coverage. Whether you are self-employed, unemployed or perhaps work for a small business that's not able to offer benefits, we can help you find a private plan to fit your personal needs. We are also certified to assist with Marketplace enrollment for those who wish to seek a tax credit to help offset their costs.
Temporary or Short-Term Coverage
If you are in transition and only need a limited period of coverage, we can help you with that. Temporary or Short-Term plans can cover you for 30 days or up to two years, depending on your state of residency. The plans can be personalized which gives you the freedom to choose your deductible, length of coverage and billing method. Unfortunately these plans do not satisfy ACA (Affordable Care Act) creditable coverage requirements, so this is not meant to be a long-term solution. This type of plan can be a very cost-efficient option for someone who only needs catastrophic coverage and does not need coverage for pre-existing conditions.
Life Insurance & Final Expense
Life is precious and we understand the delicate nature of planning ahead for one's final expenses. Losing a loved one can be overwhelming and for many families it can be financially devastating. We will walk you through the steps of determining your need and align it with your budget. Each season of life is different so we offer a variety of plans to accommodate our client's needs.
Term Life - typically lower premiums for higher benefit amounts; a good choice if you need to cover existing debts like a mortgage, student loans or perhaps you have children and want to protect them financially in the event of your passing. You can choose your coverage period to be as long as 30 years (some exceptions apply).
Whole Life - is permanent insurance that locks in your rate for life. These plans accrue cash value which can be borrowed.
Final Expense - sometimes known as burial policies, this plan can be a good fit for mature adults who do not have life insurance or are under-insured but looking to cover their final expenses.
Universal Life - is a version of whole life insurance but typically has investment mechanisms built into the policy; there are several versions like Variable, Index and Guaranteed.