How Can we Help you?
| Disability Insurance | Income Protection |
| Mortgage Protection Insurance | Dental Insurance |
| Cancer Insurance | Health Insurance |
| Term Life Insurance | Vision Insurance |
| Accidental Death | Long Term Care Insurance |
Disability Insurance
What is Disability Insurance?
Disability income insurance is a type of insurance product designed to help replace a major portion of your income if you were unable to work because of an illness or injury. For this reason, many people think of it as “paycheck protection.” Along with life insurance, disability insurance can offer the protection you need to ensure your family doesn’t lose their home or other valuable assets if the unthinkable happens.
How does Disability Insurance work?
Disability insurance is a plan you buy to get some of your salary if you can’t work because of illness or injury. After you buy it, if you get sick or hurt and can’t work, you have to wait a bit (this is called a waiting period) before the plan starts paying you. It usually gives you around 60% to 80% of your usual salary. The money keeps coming for a certain time, which could be a few months, a few years, or even until you’re 65. What counts as a “disability” can vary based on the plan. To get the money, you have to show the insurance company proof from a doctor that you’re really unable to work. As long as you’re still unable to work and seeing a doctor, the payments continue.
Why do I need Disability Insurance
The majority of people don’t believe they’re at risk of becoming disabled, but one in five Americans (56 million) are now coping with a physical or mental disability, according to the U.S. Social Security Administration. Moreover, one in four 20-year-olds today are predicted to become incapacitated before they reach retirement age.
Your family could be at serious risk if anything unforeseen occurred if you don’t have a good disability insurance coverage, especially if you pay a mortgage or monthly household expenses (most American households rely on two incomes to pay the mortgage). You may not be adequately protected if you rely solely on Social Security Disability; qualifying for benefits is quite challenging.
Term Life Insurance
What is Term Life Insurance?
Life insurance for a predetermined period of time is exactly what term life insurance coverage is. The coverage is in effect for the number of years you specify in advance, which is often between 10 and 30 years. The insurance provider pays your designated beneficiaries death benefits if you pass away while the policy is still in effect.
How does Term Life Insurance Work?
The application process for term life insurance is similar to that for other types of life insurance. You must continue to pay monthly, quarterly, or annual policy premiums once a policy is in effect with the company in order to keep your coverage. The insurance provider pays your designated beneficiaries the stated death benefit sum if you pass away within the policy’s specified period.
Why do I need Term Life Insurance?
To provide your loved ones peace of mind is the main motivation for buying term life insurance. Would your loved ones be able to sustain their standard of living if you passed away suddenly? A cash death benefit from term life insurance may be used to cover your ultimate costs, such as burial costs, any outstanding mortgage payments, the cost of your children’s schooling, or the payment of ongoing bills following your passing.
Cancer Insurance
What is Cancer Insurance?
Cancer insurance is a specialized type of supplemental insurance that provides financial assistance specifically tailored to individuals diagnosed with cancer. While traditional health insurance covers medical treatments and hospitalization, cancer insurance helps alleviate the financial burden associated with cancer-related expenses that may not be fully covered by primary health insurance, such as experimental treatments, transportation costs, and household bills. With cancer insurance, policyholders can focus on their recovery without worrying about the financial strain often associated with fighting cancer
How does Cancer Insurance work?
Cancer insurance is a specific type of health insurance policy designed to help offset the costs of cancer treatment. It’s a supplemental policy, meaning it’s meant to be used in addition to a traditional health insurance plan. When a person is diagnosed with cancer, the costs for treatments, medications, hospital stays, and even travel or lodging for specialized care can quickly add up. Cancer insurance provides a lump-sum payment or regular payments directly to the policyholder after they’re diagnosed with cancer, which can be used to cover these costs. It’s important to note that cancer insurance usually only pays out if you’re diagnosed with cancer after the policy is in effect. It’s also crucial to understand the specific terms and conditions of the policy, as some may only cover certain types of cancer or stages of the disease.
Why do I need Cancer Insurance?
With our insurance policy, you can enjoy the peace of mind knowing that your coverage can’t be cancelled due to age or health. You have the freedom to choose your preferred doctor or hospital, ensuring you receive care from the medical professionals you trust. One of the key benefits of our policy is that the cash is paid directly to you, providing flexibility to use it as you see fit. Importantly, we offer the same premium rate no matter your age, ensuring fairness and affordability. Our rates are competitive and affordable. Get a quote now to see how our policy can fit into your budget!
Mortgage Protection Insurance
What is Mortgage Protection Insurance?
Insurance that guarantees your family and home will have enough money to survive in the event of an emergency.
How does Mortgage Protection Insurance work?
Mortgage protection insurance is a type of policy designed to cover your mortgage payments in case you’re unable to due to certain circumstances, such as death, disability, or sometimes unemployment. When you take out a mortgage protection insurance policy, you pay regular premiums to the insurance company. If the insured event occurs, the insurance company will make payments directly to your mortgage lender to cover the mortgage payments for a specified period of time. The amount of coverage usually matches the amount of your mortgage, and the coverage decreases as you pay down your mortgage balance. The policy ends when your mortgage is paid off.
Why do I need Mortgage Protection Insurance?
People need mortgage protection insurance for several reasons. The primary reason is to ensure that their loved ones can stay in their home if the main income earner passes away or becomes unable to work due to disability. It provides peace of mind knowing that the mortgage payments will be taken care of during a difficult time. This type of insurance can be particularly beneficial for those with health issues who might not qualify for a standard life insurance policy, as mortgage protection insurance often requires no medical exam. It’s also useful for those with risky jobs who might not have disability coverage through their employer. Ultimately, mortgage protection insurance is about securing your family’s financial future and home stability.
Accidental Death
What is Accidental Death Insurance?
If you suffer a covered accidental death, dismemberment, paralysis or coma, cash benefits can be used to pay for living expenses, college tuition, funeral costs, or any other out-of-pocket costs.
How does Accidental Death Insurance work?
Accidental death insurance, also known as accidental death and dismemberment (AD&D) insurance, is a type of coverage that provides financial protection in the event of death or serious injury resulting from an accident. Unlike traditional life insurance, which typically covers death from any cause, accidental death insurance specifically focuses on deaths caused by accidents such as car crashes, falls, or other unforeseen incidents. The benefits of accidental death insurance include providing a lump sum payment to the beneficiary in the event of the insured’s death or compensation for specific injuries such as loss of limbs, eyesight, or hearing due to accidents. This insurance provides an added layer of financial security for individuals and their families in the event of unexpected accidents, helping to ease the burden of medical bills, funeral costs, and other expenses during a difficult time.
Why do I need Accidental Death Insurance?
If you’re looking to provide protection for your family in the event of an unexpected covered accident, or if you need to supplement existing life insurance coverage, then our policy could be right for you. It’s also an excellent option for those who cannot qualify for other types of life insurance due to age, occupation, or health conditions. Moreover, if you’re on a tight budget or need coverage quickly, our policy is designed to be affordable and easy to obtain, making it a practical choice for many individuals and families.
Income Protection
What is Income Protection?
If you become sick or disabled and are unable to work, income protection insurance will provide you with regular income until you return to work or retire. This insurance is also known as permanent health insurance.
It’s important to note that the income you receive from this insurance may not replace the exact amount you were earning before you stopped working. Typically, you can expect to receive about half to two-thirds of your pre-tax earnings from your regular job. This is because some of the money will be deducted for the state benefits you can receive, and the income you receive from the policy is tax-free.
How does Income Protection work?
Income protection insurance provides regular payments to replace a portion of your income if you can’t work due to illness or injury. It pays out until you can work again, retire, die, or the policy term ends. The payout is typically 50% to 65% of your income, and the policy covers most illnesses that make you unable to work. The policy allows for multiple claims during its duration.
Why do I need Income Protection?
Our insurance policy provides a comprehensive safety net for your home and family. In the unfortunate event of your death, it provides a death benefit to pay off your mortgage, ensuring your family’s home is secure. If you become disabled and unable to work, the policy steps in to cover your mortgage payments. It also protects your mortgage payments in the event of a critical illness, reducing financial stress during a challenging time. This policy combines the benefits of a life insurance policy with generally affordable premiums, making it a cost-effective choice for many homeowners. Ultimately, it helps you achieve peace of mind, knowing that your home and family are protected.
Dental Insurance
What is Dental Insurance?
Dental insurance is a type of health insurance that covers the expenses you incur each time you visit the dentist, including X-rays and cleanings. It is also referred to as a dental plan, and it typically pays a percentage of the dental care costs after the member receives care. Certain plans may also cover major services, such as implants, dentures, root canals, and crowns, depending on the chosen plan.
What does Dental Insurance cover?
Dental insurance coverage usually encompasses three categories of dental care, which are preventive, basic, and major services. Preventive care involves cleanings, exams, X-rays, and fluoride treatment for patients who are 18 years old and below. Basic services include non-surgical extractions and fillings. Major services encompass everything else, and are often subject to plan exclusions
How does Dental Insurance work?
Similar to other types of life insurance, mortgage protection insurance works as follows: In order to buy a specified level of mortgage protection coverage, you must pay payments to the insurance provider. Your health, your age achieved, the value of your house, and the amount of the payoff all go into the premiums. The insurance provider pays out your mortgage if you pass away while the policy is still in effect.
Health Insurance
What is Health Insurance?
A company and a consumer enter into a contract known as health insurance, where the company pays for some or all of the consumer’s medical expenses in exchange for a monthly premium. Typically, this agreement lasts for a year, during which the insurer covers expenses related to injury, illness, pregnancy, or preventative care. However, health insurance plans in the U.S. may have limitations such as deductibles, which require the consumer to pay some healthcare costs out-of-pocket up to a certain limit before insurance coverage kicks in, and co-payments, which necessitate the consumer to pay a set portion of the cost for specific services or procedures.
How does Health Insurance work?
Individuals who are self-employed, freelancers, or gig workers have the option to purchase insurance directly on their own. The Affordable Care Act, also known as Obamacare, established a national database called HealthCare.gov, where people can search for standard plans from private insurers that are available in their area. Taxpayers with incomes below the federal poverty threshold may receive subsidized coverage. Some states have their own versions of HealthCare.gov that cater to their residents. Retirees receive federally-subsidized care through Medicare, while families in the lowest income bracket are eligible for subsidized Medicaid coverage.
What Are Copays, Deductibles, and Coinsurance?
· The deductible is the amount that the customer must pay out of pocket every year before the insurer begins to meet the costs. This is now capped by federal law.
· Copays are set fees that subscribers must pay for specific services such as doctor visits and prescription drugs even after the deductible is met.
· Coinsurance is the percentage of healthcare costs that the insured must pay even after they’ve met the deductible (but only until they reach the out-of-pocket maximum for the year).
Vision Insurance
What Is Vision Insurance?
Both vision insurance and vision benefits plans generally provide coverage for an annual eye exam and prescription eyeglasses or contact lenses.
Vision insurance includes both traditional health or medical policies and wellness or discount plans that offer vision benefits, which cover most, but not all, of the insured person’s expenses. The level of coverage provided will differ depending on the specific type of vision insurance policy or vision benefits plan that you select.
What does Vision Insurance cover?
In general, vision plan coverage provides limited benefits and discounts in exchange for an annual fee and copay. It typically covers a narrower scope than vision insurance provided through an employer or other entity as part of a major medical health insurance policy.
All policies and plans include some basic vision benefits, such as routine preventive eye care, including eye exams, and prescription eyewear such as eyeglasses and contact lenses.
More extensive plans and policies may include specialty options such as eyeglass lens coatings and enhancements like anti-reflective coating, photochromic lenses, and progressive lenses. They may also offer discounted rates on elective vision correction surgeries like LASIK and PRK
Long Term Care Insurance
How does Long Term Care Insurance work?
You can reach a point where you are unable to care for yourself as well as you once did. You could find it challenging to keep doing your grocery or meal prep shopping. You may also require assistance with daily activities like dressing, taking a shower, or managing your medication. A long-term care insurance policy is made to assist you in covering potential care costs.
At Home
Most people like to spend as much time as possible at home. You can pay for services you receive at home with the aid of long-term care insurance.
At a Care Facility
Sometimes, more care is needed than you can get at home. A long-term care insurance policy also helps you pay for care provided in an assisted living facility or nursing home.
