Short Term Disability

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 needs i.e. 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 it can come with huge financial costs and uncertainty. A critical illness policy can help alleviate those worries by paying a lump sum benefit when you are 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 you or your families needs.

Major Medical Insurance

Major medical insurance is a long-term, comprehensive health insurance plan. It is designed to cover a majority of the medical costs an average policy holder will pay in a given year. There are many different plans and providers to choose from, our job is to help match you to the best possible solution and/or your families needs.

Hospitalization Insurance

Hospital indemnity insurance is a supplemental insurance that pays you a predetermined benefit amount per day for each hospital confinement.

What Does a Hospital Indemnity Policy 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 and more...

Accident Insurance

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.

Cancer Insurance

Cancer insurance can help pay for both medical and non-medical costs like co-pays, deductibles, lengthy hospital stays, diagnostics tests, treatments and procedures, child care, travel and lodging expenses, lost income and more.

Term Life

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

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.

Buy Sell Agreements

In a cross-purchase "buy-sell agreement", each co-owner buys a life insurance policy on each of the other co-owners. Each co-owner or partners pays the annual premiums on the policies they own and are the beneficiaries of the policies.

Dental Insurance

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)

Vision Insurance

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.