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Disability Income
Disability insurance pays an insured person an income when that person is unable to work because of an accident or illness.

Group Dental

Dental insurance is insurance designed to pay the costs associated with dental care. Dental insurance pays a portion of the bills from dentists, hospitals, and other providers of dental services. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.



Group Health
Health coverage based on a collection of people, whether assembled by an organization or a business. The cost is spread out among the members of the group. Under federal guidelines, a “large employer” is one with 51 or more employees and a “small employer” averages 2 to 50 employees in a calendar year.

Group Life
Life Insurance provided for members of a group. It is most often issued to a group of employees but may be issued to any group provided it is not formed for the purpose of buying insurance. The cost is lower than for individual policies because administrative expenses per life are decreased, there are certain tax advantages, and measures taken against adverse selection are effective.

Individual Health
There are essentially two kinds of health insurance:  Fee-for-Service and Managed Care.  Although these plans differ, they both cover an array of medical, surgical and hospital expenses.  Most cover prescription drugs and some also offer dental coverage.

Life Insurance
There are many kinds of life insurance, but they generally fall into two categories:  term insurance and permanent insurance.

Long Term Care

Because of old age, mental or physical illness or injury some people find themselves in need of help with the activities of daily living.  Long Term Care insurance can help cover the costs of skilled and/or custodial care.



Medicare Advantage Plans


Medicare Supplement Plans


Short-Term Health
A temporary health insurance plan that offers coverage for a short time period - i.e., 30-185 days (depending on the state of residence)


 

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