Individual services

While the process of securing life insurance and disability insurance may not seem fun or exciting, these products can be some of the most important financial decisions you can make. Life insurance can be essential to your family and other dependents in the event of your death. It’s hard to think about, but if there are people who would struggle financially if you were to pass away suddenly, a life insurance policy is a way to protect them and provide you with peace of mind.

Disability insurance protects you while you’re still alive. If an accident or illness means you can no longer work, the long-term disability benefits act as income replacement, paying you a percentage of your former salary for as long as specified in your policy. This happens more often than you think. In fact, one in four 20-year olds will experience a disability before they retire.

Considering long-term care costs is an important part of any long-range financial plan, especially in your 50s and beyond. Waiting until you need care to buy coverage is not an option. You won’t qualify for long-term care insurance if you already have a debilitating condition. Most people with long-term care insurance buy it in their mid-50s to mid-60s. A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability, or a disorder such as Alzheimer’s disease. Most policies will reimburse you for care given in a variety of venues. We offer solutions that can be affordable and give you peace of mind as you head into retirement.

Life’s full of unexpected moments. Planning ahead with supplemental insurance plans can help you feel more ready to handle the medical costs and out-of-pocket expenses that often accompany these unexpected events. Choose from a wide variety of plans, coverage, deductibles and benefits so you have coverage to fit your health needs and your financial situation. We offer:

• Stand-alone Dental or Vision
• Accident Insurance
• Bridge Plans for Hospitalization
• Critical Illness/Cancer Policies
• Student Health Insurance

We are credentialed to offer assistance in navigating individual ACA plans through Healthcare.gov. We often see individuals hit 65 and Medicare eligible and coming off of their employers’ group medical plan. However, the spouse of the individual may be younger and in need of coverage. Or, you may have a child who is aging off your policy that needs coverage for a period of time. We can help.

We can help you explore supplemental coverage and Part D plans.