Other Insurance
Protect yourself from financial hardships with personal health insurance through us.
Most people get health insurance through the companies that employ them or they buy it themselves from an insurance company. If you have to buy insurance on your own, there are many kinds of private health insurance policies to consider. These policies offer a variety of benefits and many may limit your access to certain doctors, hospitals, or other providers.
High quality individual insurance plans can be purchased to meet your short and long term needs. Depending on your policy, your coverage may include:
* Physical exams and health screenings
* Prescription drugs
* Hospitalization and emergency care
* Vision care
* Dental services
It is important to remember that the policy with the least expensive premium or with a very high out-of-pocket maximum could leave many services and treatments uncovered. This could leave you vulnerable to high medical bills.
Plan for the future of your family with our life insurance help.
Whole Life Insurance
Your policy accumulates cash value and earns interest, income tax-free while providing an income tax-free death benefit to your beneficiaries. If an emergency arises the insured has access to these funds by borrowing against the acquired cash value or by asking for a partial surrender of these value.
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Single Premium Plans
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Level Whole Life and Graded Death Benefit Plans
Term Life Insurance
This type of policy is relatively inexpensive and provides a tax-free death benefit to your beneficiaries with coverage for a fixed period of years (5, 10, 15, 20 and 30) depending on your age at the time of purchase. Term life does not accumulate cash value.
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Expense incurred, pool-of-funds structure
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Fixed and Indexed Universal Life
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Competitive Target Premiums
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Term options from 1 to 30 years
Comprehensive Long-Term Care
If you become chronically ill, long-term care insurance could help pay for the care you need. Depending on the level of care required, it may be provided in a nursing home, and alternate care facility, or even at your home.
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Expense incurred, pool-of-funds structure
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Premium rate guarantee
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Care by family members
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Cash alternative