Life & Health
Here is what our clients have to say about us
Group Health Insurance
Many employers are choosing to offer group health plans for their employees. This is a great way to retain your talented team members. There are several ways to offer health insurance, and a consultation is advised.
There are a few options for Life insurance. The most affordable and simple is a term policy. You select a term, for example, 10, 20 30 years, and a face amount, example $300,000, $500,000 or $1,000,000. If you did not live past the term, your beneficiary would be paid. If you live past that term, your policy may be “convertible” which means you can choose to continue it without going through underwriting. You’d just pay the amount for the age that you were at the time of conversion.
There are also whole life/permanent life insurance which pays a death benefit whenever you die. There are options to choose from, so a consultation is advised.
Any life insurance policy will be less expensive the earlier in life you purchase them. They should be used in conjunction with a good, complete, financial plan.
Short Term Health Insurance
Short term health insurance can be an inexpensive option for people who are between plans. There are exclusions, and limitations, so please be sure to read thoroughly before applying. And contact our office if you have questions.
Individual/Family Health Insurance
We offer assistance to clients who have their other insurance policies with us. Because of the changes in individual health insurance, and open enrollment, we are limited with time and must reserve our health insurance appointments for only clients who have their other policies with us as well.
Health Savings Accounts
“HSA”: Health savings accounts are growing in popularity, especially among individuals who are opting for alternative care that isn’t covered by traditional health insurance policies. An HSA is a bank account that you open and have control of. You can deposit $3350 pre-taxed (for an individual in 2016). That money can be used for many health related expenses. Any money that you do not use can be rolled over year after year. Some people use this as a savings vehicle.