Life Insurance provides financial security for employees and their families. Many employees appreciate the extra security of additional life insurance coverage. We offer term and permanent life policies from leading carriers.
Disability Insurance (Short Term Disability/Long Term Disability)
Disability Insurance offers additional financial security for employees who are unable to do “their job” due to a covered illness or injury. These plans generally provide a portion of an employee’s salary for a specified period of time to help them pay their bills.
Critical Illness Insurance
Aids employees and their families avoid financial hardship that is related to a major illness by filling the financial gaps left by traditional health insurance, such as; co pays, deductibles, and non-medical costs associated with treating a critical illness. These policies typically pay partial benefits or full benefits when a patient is diagnosed with a covered condition, such as a heart attack or stroke.
Aids those diagnosed with cancer and their families avoid financial hardship. These policies typically pay benefits for direct costs (e.g., inpatient hospital stays, surgical procedures), as well as indirect costs (e.g., lodging and transportation expenses).
Accident Insurance provides additional funds for employees and their families in the event of an accidental injury. Accident Insurance fills in the gaps left by traditional medical insurance such as co pays and deductibles by providing benefits for such expenses as; inpatient hospital stays, emergency room treatment and physical therapy.
Long Term Care Insurance
Aids to help cover the costs of long-term care such as; assisted living facility, a nursing home or home-based care.
Universal Life Insurance
Universal Life Insurance is a type of Whole life insurance. Universal Life differs from other whole life policies in that it allows the policy owner to vary, with limitations, the amount and timing of premium payments and the death benefit.
Whole Life Insurance
Whole Life insurance that pays a benefit on the death of the insured and also accumulates a cash value
A type of policy designed to cover your dentist visits and procedures that are often not covered by managed care health plans