Products
Group & Individual Health Insurance
We help small and large groups, municipalities and individuals find health insurance plans that meets their distinctive needs.
Beyond the initial enrollment of your group, we are available to you, your members and their dependents though out the year to help with things such as: Questions on plan coverage, physician and hospital searches, unpaid or incorrectly coded claims, balance billing from providers, utilization of health savings accounts and health reimbursement accounts, COBRA administration etc.
Dental & Vision Insurance
We can help you find group and individual dental plans from some of the top carriers such as: Delta Dental, Aetna, United Healthcare and Guardian Life Insurance Company. You can choose from basic coverage plans through the most comprehensive PPO coverage depending on your particular needs and dentist requirements.
We also offer dental plans that include quality vision coverage. All plans can be structured as both Voluntary and Employer paid.
Guaranteed Premium Term Life Insurance
Term life insurance is the most basic and simple type of life insurance. It provides coverage at a guaranteed fixed rate for a limited period of time such as 10, 15, 20, 25, 30, 35, & 40 years.
If the insured dies during the term period, the death benefit will be paid to the beneficiary. Term life insurance is generally much less expensive than permanent insurance polices, such as Whole Life & Universal Life.
Permanent Life Insurance
Permanent life insurance provides coverage for the full lifetime of the insured person. While permanent life is more expensive than term insurance, permanent policies combine a death benefit with a savings component that earns interest on a tax-deferred basis. The two primary types of permanent life insurance are whole life and universal life.
Whole life premiums are fixed for life, they never go up or down. However, if you need more flexibility, a universal life policy lets you adjust monthly premiums within a specific range.
Survivorship Life Insurance
Survivorship Life Insurance insures two lives, usually a husband and wife, on one policy. The policy death benefit is paid after both insureds have died. It is also referred to as a second-to-die policy, since the benefit pays out after the second insured dies.
These policies are commonly placed in irrevocable life insurance trusts for estate planning purposes. The life insurance proceeds can be used by the beneficiaries to help pay estate taxes and estate settlement costs or simply as an inheritance from the insureds.
Final Expense Insurance
Final Expense Insurance
A final expense whole life insurance policy can help you make sure that debt is not your legacy for your loved ones. This plan is designed to help pay the costs associated with a funeral and other remaining expenses or outstanding debts left behind, and relieve families of the anxiety of having to manage these expenses during a difficult time.
A final expense life insurance policy doesn’t require a physical exam, just a few questions during a brief telephone interview. It can’t be cancelled because of age or changes in your health and has level premiums that are guaranteed for life.