Health & Life Insurance
Group Health Benefits:
Affordable healthcare options for everyone in your group.
For most employees, good health benefits are one of the factors in choosing where to take a job. An employer who offers options at an affordable cost will have an advantage in hiring better workers. As a small business owner or HR Director, your challenge comes in finding the best plan options when you have a range of individual’s health issues to contend with. Our experienced agents have the knowledge to help you navigate the plans and benefits available to offer your employees.
Individual and Family Health Insurance:
We start by identifying what’s important for you and your family, ensuring that your health insurance coverage fits your lifestyle and budget. You might need more affordable coverage, but it’s crucial you are covered for unforeseen medical issues should they arise. The last thing you want is to be forced to choose between a hospital visit or to remain in pain if you find that you’re not covered when something happens.
Based on your needs, we will show you some individual health insurance options to compare the benefits and costs of each to select the right plan. There are many ways to save money on your health insurance plan, and we’re committed to helping you find the best coverage.
Life insurance is the one form of insurance policy that has nothing to do with protecting you, but financially protecting your beneficiaries if you die. There are several different kinds of life insurance, but the most common are term insurance and permanent insurance.
Term insurance provides protection and flexible premiums for a specific period of time, during which, if you die, your beneficiaries will be awarded a benefit. People usually opt for term life insurance until they reach a point where they consider it “safe” to withdraw, such as when their home is paid off or their children graduate from college. Permanent life insurance provides lifelong protection to beneficiaries, and is priced for you to keep over a long period of time. This type of insurance acquires cash value, and the premiums are usually fixed.