Over the last decade, many advances have been made in the Life Insurance industry to provide better products. We have kept pace by offering a diversified product line featuring:
What are the coverages?
- Term Life Insurance – Affordable, simplified insurance for a specific time period.
- Whole Life Insurance – Permanent insurance, fixed premiums, and cash value growth.
- Universal Life Insurance – Perpetual insurance, flexible payments, premiums and death benefit options.
- Variable Universal Life Insurance – Same benefits as Universal Life but with options to take investment risks in return for a potentially higher cash value. Annuities have major advantages for helping build financial security.
- Variable annuities are long-term tax deferred vehicles designed for retirement purposes. They offer three main benefits: tax-deferred treatment of potential earnings, guaranteed death benefit options, and guaranteed lifetime payout options.
Health Insurance plans offer many options open to Floridians who are uninsured or underinsured.
- HMO – Health Maintenance Organizations is a prepaid health plan which provides comprehensive health care for you and your family, including doctors’ visits, hospital stays, emergency care, surgery, laboratory (lab) tests, x-rays, and therapy.
- PPO – Preferred Provider Organizations is a health plan that has contracts with a network of “preferred” providers from which you can choose. You do not need to select a PCP and you do not need referrals to see other providers in the network.
- HSA – Health Savings Account is a personal savings account that allows you to pay for qualified medical expenses with tax-advantaged dollars. You (and/or your employer) contribute money to an HSA through pre-tax or post-tax contributions.
Long-Term Care/Home Health Care
- A Long-Term Care Insurance policy provides benefits that help pay for nursing home care, home health care and comprehensive care (both nursing home and home health care).