Products Offered:
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Individual
A broad term describing protection from loss due to illness or injury, resulting in loss of life, loss of earnings, or expenses incurred. Within the broad area of health insurance, there are several major coverage which focus on more specific needs, for example, accident insurance, disability income insurance, hospitalization insurance, and sickness insurance. -
Family
Health insurance protection designed to cover the family unit as a whole instead of on a per-person basis. -
HSA – Health Savings Account
A Health Savings Accounts (HSA) is a type of medical savings account that allows you to save money to pay for current and future medical expenses on a tax-free basis. In order to be eligible for a HSA, you must be covered by a high-deductible plan and not have any other health insurance. HSAs are a good option for individuals who want to protect themselves from catastrophic health-care costs, but don’t anticipate many day-to-day medical costs. -
Short-Term Major Medical
This is a health insurance plan that covers major hospital, medical and surgical services resulting from a covered accident or sickness. Coverage is subject to the policy exclusions and limitations. Typical coverage terms are from one to twelve consecutive months. This product is primarily used for those in between jobs, recent college grads who are between coverage from their parents and their new employer, or for those who are not yet eligible for their group coverage due to a new-hire probation period. -
Dental
Health insurance coverage for specified dental services, most often provided on a group basis. - Group Health
Group insurance programs designed to offer affordable health coverage to a natural group, such as employees of an employer or members of an association and their families. A single contract is provided for the entire group which outlines the standard benefits, terms and provisions that apply to all members of the group. Individual certificates are usually issued to the members to verify that they are covered. -
Group Dental
Plan that provides dental coverage with either network or out-of-network dentists or specialists. There are several options available, from basic preventative care to options that include major restorative and orthodontic services.
Definitions & information from Sage Property & Casualty.
Life
Life insurance should be a crucial step in planning your future. In the event of an unfortunate incident life insurance will help your family financially. With life insurance, it can make hard times a little bit easier on the family members left behind.
Let us help you prepare for the unexpected.
Products offered:
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Term Life
A type of life insurance policy that is not whole life or written to cover the whole remainder of the insured’s lifetime, but instead is written to cover only a period of time. Often that period of time is a set number of years, such as 1 year, 10 years or 20 years. At other times, the policy is written for a term that expires at a specified age, for example, when the insured turns 65. -
Universal Life
A combination of monthly term life insurance plus possible savings in an arrangement that provides limited flexibility as to death benefits and premium payment. -
Whole Life
A common type of life insurance coverage providing a face value death benefit for the entire or whole life of the insured. -
Simplified Issue Life
This is a life insurance plan with minimal underwriting requirements. This is a good option for individuals who are looking for short-term needs such as debt obligations. This may also be a good option for individuals who do not want a large amount of coverage and do not want to go through the underwriting process. -
Long-Term Care
Sold either on a group or individual basis. It pays for nursing home or home health care costs including room, board and medical expenses. -
Disability Income
A form of coverage which provides benefits to employees disabled by sickness or accident not related to employment. -
Critical Illness
Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery. -
Fixed Rate Annuities
An annuity is a contract between you and an insurance company, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date. Annuities typically offer tax-deferred growth of earnings and may include a death benefit that will pay your beneficiary a guaranteed minimum amount, such as your total purchase payments. -
Group Life
Group life insurance programs designed to offer affordable coverage to a natural group, such as employees of an employer or members of an association and their families. A single contract is provided for the entire group which outlines the standard benefits, terms and provisions that apply to all members of the group. Normally the life insurance benefits offered are based on the compensation earned by the individual member. Most of the group life insurance programs also offer the members the ability to convert to other permanent, whole or term life products upon termination of employment. Individual certificates are usually issued to the members to verify that they are covered. -
Group Accidental Death and Dismemberment
A specific type of life insurance policy that pays benefits in the case of the death or dismemberment of the insured from accidental causes. If dismemberment occurs, benefits are paid on a periodic basis, such as weekly, bi-weekly or monthly for the injury. The amount of the benefit payment is based on the type and severity of the dismemberment.
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Definitions & information from Sage Property & Casualty.