Individual Services
We offer a comprehensive range of products and services from respected insurance and benefits providers. We evaluate proposals from all available carriers and educate you or your family on the benefits.
Our complete line of insurance solutions is designed to meet your family's financial needs.
- Health
- Dental
- Vision
- Life Insurance
- Accident Plans
- Disability Insurance
- Indemnity Plans
- Long-Term Care
- Short-Term Medical
- Medicare
- Critical Illness/Cancer
Individual Disability
Would you rather have a job that pays you $100,000 but if you get too sick or injured to work, you get $0… or a job that pays $98,000 and if you get too sick or injured to work, you get $60,000? Disability insurance, or “Income Protection,” costs a fraction of your salary and ensures you don’t lose everything if you become unable to work.
According to the SSA, over a quarter of today’s 20-year-olds will face disability. Common causes include back injuries, cancer, and heart disease—not just accidents. The average long-term disability lasts 4.5 years. Do you have enough savings to cover that? If not, long-term disability insurance is essential.
Individual policies offer customizable coverage and benefits are tax-free since premiums are paid with after-tax dollars.
Life Insurance
Life insurance may be one of the most important purchases you’ll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children’s education, protect your spouse’s retirement plans, and much more. If you’re considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Types of Life Insurance
Term Insurance is affordable and meets temporary needs, providing protection for a specific period. It pays a benefit only if you die during the term, making it ideal for coverage until your children graduate or a debt, like a mortgage, is paid off.
Whole Life Insurance has level premiums and combines insurance with an investment component. It pays a set amount upon death and accumulates cash value that can be withdrawn or borrowed. This insurance builds tax-deferred wealth through dividends or interest.
Universal Life Insurance offers more flexibility than whole life insurance by allowing policy owners to adjust the balance between insurance and savings components. Premiums are variable and can be allocated to insurance or savings as needed. If savings earn a low return, they can be used to pay premiums. Unlike whole life, the cash value grows at a variable rate, adjusted monthly.
Loans, credit card debt, estate costs, the funeral… most people leave behind unpaid expenses when they die, expenses that, if left unattended, burden their families tremendously. Final expense coverage is life insurance that pays off these debts, ensuring that everything will be taken care of if you pass.
While not exclusive to business settings, individual life insurance policies tailored for business owners and High Wage Earners can provide comprehensive coverage that aligns with their unique needs. This type of policy offers more extensive and personalized benefits compared to group policies, ensuring that the owner’s business is protected in the event of a premature death. For Business Owners and High Wage Earners, this can be done on a “Guaranteed Standard Issue” (GSI) basis.
Long-Term Care
As people age or become ill, they sometimes need help doing daily tasks like getting dressed, bathing and more. Long-term care (LTC) provides people with those services—but it’s expensive.
Long Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age. Rising life expectancy means that the potential need for “long-term care” grows with every passing year of your life.
The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities. According to a recent report from Health View Services, a couple over 65 has a 75% chance of needing Long-Term Care services, with an average cost of between $156,026 and $1,022,977.
Most long-term care expenses are not covered by Social Security or Medicare, Medicare Supplement (“Medigap”), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to “spend down” most of your assets on health care.
There are many new options to protect yourself that can be even more cost-effective.
