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Additional Protection

Most people have protection for themselves and their families. Basic Health and Life Insurance are typically what the majority of individuals have through their job or other personal insurance plans. However, in some cases that amount of coverage may not be enough to handle those times in life when additional resources are needed to fill the gaps when standard insurance products are not enough to help pay expenses. Putting an extra layer of protection in place with specialty insurance products can help alleviate the cost of care. 

Doctor's visit in the hospital room

Hospital Indemnity Plan

Multiple Insurance Companies

Unexpected hospital visits lead to unexpected costs. Research shows that most people are not prepared to handle such surprise expenses. Hospital Indemnity Insurance can help cover some out-of-pocket medical costs associated with a hospital stay.

 

This can be especially helpful if the major medical plan's deductible has not been met. Hospital Indemnity benefits are paid directly to the covered person, regardless of other coverage, and can be used for any purpose.

Email me for a quote.

Disability Insurance

Multiple Insurance Companies

You rely on your paycheck to help pay bills and pay for your living expenses. Disability insurance can help protect it. What happens if you're totally disabled due to sickness or injury and are unable to work? 

 

Disability insurance offers coverage that can provide money to help pay your mortgage, rent, car loans, and other monthly expenses. It may also help prevent using your retirement or education savings if you can't work.

Email me for a quote.

Physical Therapy
Nurse with Patient

Long Term Care

Multiple Insurance Companies

As you grow older self-care becomes more challenging. There may come a time when you no longer can do all the things you once did for yourself. Maybe you’ll find it difficult to continue shopping for groceries or preparing meals. Or you’ll need help with personal tasks like bathing, dressing or managing your medications.

 

A long-term care insurance policy is designed to help you pay for help you may need. There are various types of long term care options. Contact me to know how it works.

Email me for a quote.

Annuities

Multiple Insurance Companies

An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. You buy an annuity by making either a single payment or a series of payments.

A stream of payments is paid by the insurer in the future for a specified period of time or for the remainder of the annuitant's life. Annuities are mainly used for retirement purposes and help individuals address the risk of outliving their savings.

Email me to start a conversation about annuities.

Maroon Graduation Set
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