Provides you with a monthly income if you are sick or injured and cannot work. If you have an illness or injury that makes it impossible for you to work, Short Term Disability insurance can provide you with a portion of your lost income. The benefits are paid monthly to help with your mortgage, car payments and living expenses, or to keep your business running without you. We offer a variety of plans that can help keep your life moving while you get back on your feet.

If you are diagnosed with a serious illness, we provide a lump sum payment to help. Surviving a critical illness, such as cancer, heart attack or stroke today is more likely than ever - and can come with financial costs and uncertainty. A critical illness policy can help alleviate those worries by paying lump sum benefit when you are first diagnosed with a covered illness or medical condition. The critical illness benefit can be used to cover your mortgage, monthly bills and living expenses, out-of-pocket medical costs or in whatever way best fits your needs.

A tax-deferred investment to secure your financial future. When it comes to retirement, the key is being prepared. Annuities are specifically designed to help you accumulate money for retirement or turn a lump sum into a guaranteed stream of income. And, your principal and interest grow tax-deferred until distribution. You can choose from several payout options, including a retirement income you can't outlive.

The life insurance protection you need, for only as long as you need it. Term life insurance provides guaranteed benefits over a specific period of time. A term life policy is ideal for someone who wants affordable life insurance protection during important life events such as marriage, birth or adoption of children, buying a new home or starting a business.

Whole life insurance provides coverage for the life of the insured. In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate. These policies are also known as “permanent” or “traditional” life insurance.

Major medical insurance is a long-term, comprehensive health insurance plan designed to cover a majority percentage of the medical costs an average American will pay in a given year.

Accident insurance is a supplemental health plan that helps you pay for out-of-pocket medical and non-medical costs from an accident or injury. Accident insurance provides lump-sum cash benefits that are paid directly to you, and not the doctors and hospitals, on an indemnity basis.

Hospital indemnity insurance is a supplemental insurance that pays you a predetermined benefit amount per day for each hospital confinement. Most usually pay you this daily benefit amount for up to a year.

What Does a Hospital Indemnity Policy Cover?

The coverage your hospital indemnity insurance provides will depend on your plan choice. In general, most plans cover: Hospital confinement (with or without surgery) • Intensive Care Unit (ICU) confinement • Critical Care Unit (CCU) confinement • Out/Inpatient surgery • Continuous care • Out/Inpatient X-rays and laboratory procedures • Out/Inpatient diagnostic imaging procedures • Ambulances (Ground and Air) • Emergency rooms • Physician office visits



Dental insurance, sometimes called a dental plan, is a form of health insurance designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity, Preferred Provider Network (PPO), and Dental Health Managed Organizations (DHMO)

The term "vision insurance" is commonly used to describe health and wellness plans designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses). Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK.