22 Jul Life and Health
Life and health insurance gives you the opportunity to enjoy life; safe in the knowledge that you and your loved ones will be provided for, if something unforeseen happens. We will make the experience of acquiring life and health related insurance easier by providing immediate information that allows you to make educated choices. A thorough knowledge of plan features enables you to make your life or health insurance decisions with confidence.
Life insurance is a contract between the policy holder and the insurer, where the insurer promises to pay a designated beneficiary a sum of money (the “benefits”) upon the death of the insured person. It is intended to fulfill the economic needs that come with the loss of an income.
Long term care policy helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. No one plans to be seriously ill or disabled. But it happens.
Health insurance covers the costs of hospital, surgical, and medical care.
Disability insurance helps replace lost earnings.
Critical illness insurance is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.
Cancer insurance is benefits are paid directly to you regardless of any other insurance you may have. You can then use the benefits to help pay for all of the extra costs associated with your cancer treatment. Cancer insurance policies supplement existing health insurance policies or income.