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Term Life Insurance – is a life insurance policy that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Critical Illness Insurance – Otherwise known as critical illness typically covers heart attack, cancer, stroke or a dreaded disease. It is an insurance product in which the insurer is contracted to typically make a lump sum cash payment to the insured if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.
Disability Insurance – Is often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits and long-term disability benefits. Statistics show that in the US a disabling accident occurs, on average, once every second. In fact, nearly 18.5% of Americans are currently living with a disability and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.
Accident/AD&D – In the event of an accidental death, this insurance will pay benefits in addition to any life insurance but only up to a set amount total regardless of any other insurance held by same insurer, held by the client. This is called double indemnity coverage and is often available even when accidental death insurance is merely an add-on to a regular life insurance plan. Some of the covered accidents include traffic accidents, exposure, homicide, falls, heavy equipment accidents and drowning. Accidental deaths are the fifth leading cause of death in the U.S.
Fractional amounts of the policy can be paid out if the covered employee loses a bodily appendage or sight because of an accident. Additionally, AD&D generally pays benefits for the loss of limbs, fingers, toes, sight and permanent paralysis. The types of injuries covered, and the amount paid vary by insurer and package and are explicitly enumerated in the insurance policy.
Senior Products – Most Medicare plans pay your doctors or hospitals while our supplemental health insurance plans pay you the insured.
Things like Illness, accidental injuries and hospitalizations can create unexpected expenses that Medicare may not fully cover. You can use these policy benefits for
in-home care, eyeglasses, or mortgage payments etc.
Packages – if you would like to purchase more than one product, you will only have to fill out one E-application for multiple products.
*available with most products in most states
LegacyArmour – Think of an online version of a safe deposit box. innovative LegacyArmour security services help you prepare your estate, encrypt the information you want protected, and store it safely in secure digital vaults until it is time to deliver it automatically to your beneficiaries. Included in the LegacyArmour platform are tools to help you organize your assets and a powerful Artificial Intelligence engine that will identify when it is time to deliver your information.
Vision- An annual eye exam is about much more than healthy vision. It can help identify the early signs of serious health conditions like diabetes and high blood pressure. We offer a vision plan that complements your health insurance plan. Our vision plan delivers savings on both eye examinations and eyewear.
Dental- The dental plan provides a range of covered services that are designed to fit you and your family’s specific needs and budget. Each plan complements your health insurance coverage and provides benefits for a range of preventative, diagnostic and restorative services.
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need a little insurance 101?
We’re hear to help you make the right decisions and get the best coverage possible at the lowest prices. Sometimes insurance can be confusing, but it doesn’t have to be. These helpful tips will get you headed off in the right direction.
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