Dental, Vision & Hearing Plans
What’s better than a good dental policy? One that also pays for vision and hearing. Dental, vision, and hearing plans are easy to find if you work for an employer that provides one, but if not, we can help. We offer individual DVH policies that provide you with $2,000 in annual benefits per insured member, and the benefit will go a long way toward keeping your teeth, eyes, and ears in great working condition. Take care of them; you only have one set of each. If you’ve had any dental work done, you know just how expensive it can be. Let us help you get a good DVH policy today!
Medicare Supplement Plans
These are very popular with people who prefer to choose their own doctors and hospitals and don’t want to pay high out-of-pocket costs. There are several different Medicare supplement plans: A, B, C, D, F, G and K, L, M & N. Which one is right for you? Call us today, and we will quote you with several quality companies to find a premium you can afford. You might be surprised just how affordable a good Medicare Supplement plan can be.
Medicare Advantage Plans
These are usually inexpensive, with some plans having a $0 premium. Advantage plans have provider networks you must use, and they generally have higher out-of-pocket costs some other Medicare plans. We can look at your particular situation and let you know if we feel an Advantage plan is right for you.
We also help our customers find the right Part D drug plan. We will look at your prescriptions and match them with the formularies and co-pays of numerous plans to find a great fit for you. We try to avoid plans with a deductible, so contact us today and let us do for you what we do for many others!
Term Life
Is coverage for a specified period of time, such as 1, 5, 10, 20, or even 30 years? It is generally for people who are still working and have a family to take care of or a spouse who will miss your income after your death. A term policy is good for protecting your loved ones against losing their home and property after losing you. It is fairly inexpensive compared to other types of life insurance. It’s generally a good idea to purchase a term life insurance policy equal to between 5 and 10 times your annual salary.
Whole Life
It is typically used for final expenses and burial costs. Its premiums don’t increase, and its benefits don’t decrease over time. Whole-life policies are active until you die, as long as the premiums are paid. The proceeds from a whole life policy can be used to pay your final utility bills, car note, medical expenses, etc. You should also have enough whole life coverage to provide for a proper burial so your loved ones can grieve your loss without having to worry about paying for things upon your passing.
No matter what type of life insurance you need, we can help you with it. We will help you evaluate your situation and make sure the type and amount of life insurance you choose is right for you.