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Health & Life Insurance

Health Insurance:

Health Insurance

The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. In addition, you are more likely to get routine and preventative care if you have health insurance.

You need health insurance because you cannot predict what your medical bills will be. If you have health insurance, you will have peace of mind knowing that you are protected from most of these costs.


Life Insurance:

Retired Couple

If your business would cease to function without you there to guide it, life insurance can replace that lost income and make sure family members are financially secure. You may be required to have life insurance to get a bank loan for your business, but it's a good idea in any case. The most common type of life insurance is term insurance, which only lasts a set number of years, typically until retirement age.

Term insurance is cheaper than permanent, or "whole life," insurance. When businesses have multiple owners, often a life insurance policy is taken out by the business on each of the co-owners. Upon the death of one owner, this insurance payout is used to buy out that partner's stake in the business, so that the remaining partners can continue running the business without interference from the deceased partner's family. Life insurance can be an invaluable type of health insurance.


Dental Insurance:

Dental Insurance

We all know how dentistry costs can mount up- even a routine check up can easily cost you a lot of money and that is without you actually having any treatments done. Good dental health is not only important for our appearance, it is important for our overall health too as problems in the mouth can often be a sign that something else needs looking at health-wise. You can make easier to obtain the dental care you deserve with health insurance that covers dental treatment.

We offer many dental insurance plans that can help cover the costs of dental treatment whether it be an emergency or a routine check up at an affordable monthly premium.


Vision Insurance:

Vision-Insurance

You can tell a lot about a person from their eyes, and an annual eye exam can also tell a vision provider a lot about a person’s overall health.  An eye exam can help detect Cataracts and Glaucoma, but did you know that Diabetes, High Blood Pressure and some Tumors can also be detected from an eye exam?

Everyone whether or not they have a current vision condition, should have annual eye exams for this reason.  Vision disorders are the second most prevalent health problem in the country, affecting more than 120 million people. Your vision provider can take an entire eye care history, allowing you to take advantage of their diagnostic and treatment tools. Take advantage of the benefits of proper vision care through this type of health insurance.


Disability Products:

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While your workers are covered by federal disability programs, you need private disability insurance to compensate owners and key managers if they're injured and unable to work. This insurance guarantees the insured parties an income, though usually not 100 percent of their salaries, while they are disabled.

You can purchase either short-term disability insurance, which protects for up to a year, or long-term disability insurance, which extends indefinitely. This branch of health insurance can be very beneficial to a business owner.


Annuities & Retirement Plans:

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Please Contact Us about these and other services we offer.

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