Life, Health, Disability, Long Term Care and Related Insurance
Life and health
insurance have many variables and decisions, such as, how much
is enough and what type of policy is the best for you and your
family. With this in mind we have put together a quick reference
guide with definitions that will familiarize you with the common
terms used in the breakdown of coverages available.
Needs vary for
life insurance and your choices can be Term Life, Universal Life,
Whole Life, Variable Whole Life or a Variable Universal Life policy,
each type of insurance has its advantages.
has evolved over the years and the most common choices of plans
are: *Fee-For-Service (or Indemnity) Plans or Managed Care - consisting
of: *Health Maintenance Organizations (HMO’s), *Preferred
Provider Organizations (PPO) or *Point of Service (POS) plans.
Depending on the
life or health insurance needs, whether it be on a individual
or group basis, our agency will provide you with the most comprehensive
plan based on your individual or group current and future financial
If you are paying for
mortgage protection-payoff insurance you might be paying
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