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Life Insurance

Term Life Insurance

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Term life insurance is the most candid form of protection. You usually pay premiums on a monthly or annual basis and your family is protected for the duration of the "term." Help provide for a family's loss of income, cover short-term debts and needs, offer additional insurance protection during the child-raising years, provide longer term protection to help your family pay off a mortgage or to help pay for a college education.

Whole Life Insurance

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Whole Life insurance is a permanent policy, which gives you and your loved ones guaranteed protection that lasts a lifetime. Unlike term, Whole Life insurance offers a permanent policy with guaranteed cash value which can be used however you want. Whole life builds cash value over time that can be used to help you pay for college, supplement your retirement income, or for emergencies. Participating Whole Life insurance is eligible to accumulate dividends; which not only increases the death benefit and the cash value, but also uses dividends to help pay premiums.

Mortgage Protection Life

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Mortgage protection life insurance is any type of life insurance coverage that is purchased to pay off the balance of a mortgage. A family’s primary breadwinner will often purchase life insurance for his or her life; to ensure that their family is able to keep their home in the event of passing away prior to the mortgage being paid off.

There are two common types of life insurance commonly used for mortgage protection; term life insurance and mortgage life insurance. Term life insurance is usually purchased from an insurance agent while mortgage life insurance is usually offered through the mail by a third-party. These companies usually have a partnership or affiliated with your mortgage lender.

Final Expense

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 Losing a loved one is an extremely difficult experience. Picking up the pieces while dealing with the accompanying emotions can be stressful. There are also many expenses associated with death that can, on average, exceed $8,500.Without a final expense life insurance policy, families may have a hard time coming up with these funds quickly. Final expense life insurance can help prevent families from having to withdraw from their savings or sell precious assets to come up with the necessary funds required to bury a loved one. 

Universal Life

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Universal Life Insurance is considered an affordable way to secure a lifetime of coverage. Your account value earns interest and such a policy can be highly flexible. Depending on the carrier, you may have the ability to reduce your coverage. This feature can be particularly appealing to young people starting out or people with changing needs. Universal life coverage also affords you the ability to adjust the amount of your premium. The amount and timing of premium payments under a universal life policy can directly affect how long the coverage may continue.

Index Universal Life

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Indexed universal life insurance provides death benefit protection along with a cash accumulation component embedded within the policy. The interest that agglomerates is linked to a particular stock market indices based on your participation rate. Even if these indexes dip, you’re still safe with a guaranteed minimum interest rate or a 0% floor. Some key features include death benefit protection,  tax-deferred income, fixed and indexed strategies, and flexibility. In addition, provides greater growth potential than traditional universal life, guaranteed not to have a negative index crediting rate even in a down market. 

Health Insurance & Medicare

Medicare Supplement

 

A Medicare Supplement Insurance (Medigap) policy helps pay some of the health insurance costs that Original Medicare doesn't cover such as co-payments, coinsurance and deductibles

Medigap policies are sold by private companies.

Some Medigap policies also cover services that original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have original Medicare and you buy a Medigap policy, here's what happens.  Medicare will pay its share of the Medicare-approved amount for covered health care costs. 

Individual Health

  

When you’re shopping for health insurance, it’s a good idea to take a look at all the angles. You want coverage that works with your lifestyle, helps you get the best care possible and fits with your financial picture. With a wide range of plans and an incredibly diverse network of doctors, clinics and hospitals across the nation, you’ll have access to many options with a PPO or HMO.  No matter where life takes you, our carriers plans are designed to deliver high quality care and affordable prices.

Dental & Vision


 The essential element to keeping your smile healthy is routine dental care with dental insurance . A single visit every six months can help keep minor vexation  from becoming major pains.  Your vision is a indispensable necessity. Do what you can to keep your eyes in top condition, plus find eye-wear solutions that feel good and look great.