Product Portfolio

Life Insurance

Life-based contracts tend to fall into two major categories: 1) Protection policies - designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance. 2) Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms are whole life, universal life and variable life policies.

Health Insurance

Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase.

Annuities

Fixed and indexed annuities are an excellent source of retirement income for your clients, but these financial vehicles are also often used simply as a place for clients to earn a nice interest rate, usually well above the rate they might get at the bank in a CD. The most important fact about annuities, though, may be that the client cannot lose any principal in an annuity, making it an attractive, relatively safe financial product in a rocky economy.

Final Expense

Final expense insurance, also known as "burial" or "funeral" insurance, is a life insurance policy with a low face value, from $2,000 to $50,000, that your clients can buy when they reach the age of 50. Policyholders can name any beneficiary, typically a family member, who would make the claim and receive the money upon the policyholder's death. The beneficiary is then responsible for using the money to carry out the policyholder's wishes.

Medicare Advantage

Medicare Advantage Plans are health plan options that are subsidized by the government to provide additional health coverage to Medicare Part A and Part B. Medicare Advantage Plans include HMOs, PPOs, PFFS and Medicare Special Needs Plans. Generally, Medicare Advantage Plans have little or no monthly premiums. Instead, seniors pay co-payments for doctor visits, hospitalization and other medical services.

Medicare Supplement

A Medicare Supplement policy is senior health insurance sold by private companies to expand health coverage for seniors where the Original Medicare Plan coverage falls short, such as co-pays and deductibles for doctor visits, hospitalization and other medical services. Seniors pay a monthly premium but have few additional out-of-pocket expenses.

Group Health Insurance

Coverage underwritten on members of a natural group, such as employees of a particular business, union, association, or employer group. Each employee is entitled to benefits for hospital room and board, surgeon and physician fees, and miscellaneous medical expenses. There is a deductible and a Coinsurance requirement each employee must pay.

GAP Plans

Typical health insurance covers the cost of most medical expenses incurred from hospital and doctor bills, but how will your client prepare for the out-of-pocket expenses, such as Deductibles, CoPays, and Coinsurance? Gap Plans are designed to provide a low-cost benefit to help pay for these out-of-pocket expenses. They provide coverage to help "fill the gaps" left by most major medical policies with three benefits. Accident benefits are available as well.

Dental Plans

There are plenty of stand-alone dental discount plans available in the marketplace, in addition to a variety of plans that include a combination of dental and vision discount programs. However the best option to securing dental coverage for your client is to purchase an individual health insurance plan that includes coverage for dental benefits, as most do..

Critical Illness

Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps your client avoid the financial strain a major illness can create so they can focus on their recovery.