Personal Insurance ensuring your future

On & Off Marketplace Individual Medical

The Affordable Care Act passed by Congress in March of 2010 changed the way many access medical insurance in the individual market. In the past, most policies contained pre-existing condition clauses, some policies were issued with riders, and others were rated up according to the health conditions of the individual applying. All of these issues have now gone away. However, the process has not become less complicated.

Our associates can guide you through the process to determine what policy is best for you. They can work with you to obtain a subsidy if you qualify and determine if going through the "Marketplace" is the best option for you. Don't become overwhelmed by the process. Call one of our associates today for assistance.



Life Insurance

Life insurance is an integral part of any financial plan. Providing for your family in case of premature death is the foundation of future financial security. There are different types of life insurance and each has a purpose and satisfies a need. Let our associates help determine what is best for you. We are available to meet with you and analyze your current situation and determine the amount and type of insurance needed. Don't be intimidated by the process. We'll work with you each step of the way to make sure your family is financially secure.

We have access to many A+ rated carriers with excellent products. Based on the type of insurance you need, the amount, and your current health status we'll select a carrier that best fits your needs. Many that have worked with us have been surprised at how affordable this problem is to solve. Don't delay, call one of our associates today for an analysis of your current situation.

Disability Insurance

Your greatest asset is your ability to work and earn a living. No financial plan can be fulfilled if there is not an income source available to fund it. Many rely on their employer to satisfy this need with group long term disability coverage. However, that may not be enough. Most of us cannot survive on 60% of our income less taxes. In reality, group long term disability will only replace about 45% of your current income.

Consider an individual disability policy to supplement what your employer may be providing. Individual disability insurance provides a tax-free benefit most often to your social security retirement age if you were to become too sick or too hurt to work. Let one of our associates discuss your options and how this secures your income even if you are unable to work.

Long Term Care

Do you know individuals that worked all of their life and were faithful to a savings plan only to see it vanish in later years due to high cost of senior care such as assisted living facilities and nursing homes? Often one spouse will need extended care leaving the other spouse with significant financial problems. Long-term care insurance can be a solution for many people. Long-term care insurance provides a pool of money that can be accessed via a monthly income stream to pay for the cost of this care. Most policies even provide funding for home care if that is desired.

Let us show you what is available today. Don't delay because access to these policies is dependent upon good health. Call one of our associates to inquire if this may be a solution for you.