Dental
Dental Plans can be purchased with your health insurance plan or stand alone dental plan. Dental insurance plans are designed with two goals in mind. The first and foremost is to promote good dental hygiene and preventive care, important elements in a total health care package. The second goal is to provide you with the dental care you need in a convenient, cost- conscious manner, providing many dental services.
Short Term Medical
Short Term Medical can “bridge the gaps” in health insurance coverage if:
- You’ve lost coverage through a recent job or life changes
- You’re a student or graduate no longer eligible for coverage under your parents plan
- You’re a seasonal worker
- You’ve retired and are waiting for Medicare eligibility.
Short Term Medical is temporary health insurance and non-renewable. You may apply for one additional certificate. A second certificate is not a continuation of the first preexisting conditions will not be covered.
Major Medical & HSA's
Major Medical and HAS’s are offered in several medical individual and group plans. These plans are coverage for all members of your families. Some plans include health, dental and vision. Each carrier has a variety of plans to choose from to work with your needs. Whether you are seeking lower-cost health insurance, experienced a recent change in employment or family status, or are self-employed, our carriers offer you and your family a variety of coverage options at competitive prices.
Life Insurance
Life insurance has many advantages and is important when planning for your future. Choosing the right kind of life insurance is important.
TERM INSURANCE
Term insurance is death protection for a “term” of one or more years. Death benefits will be paid only if you die within that term of years.
WHOLE INSURANCE
Whole life insurance gives death protection for as long as you live. The most common type is called “straight life” or “ordinary Life” insurance, for which you pay the same premiums for as long as you live.
ENDOWMENT INSURANCE
Endowment insurance pays a sum or income to you if you live to a certain age. If you were to die before then, the death benefit would be paid to your beneficiary.