Supplemental Health Insurance
We can guide you to help you decide how much insurance you need or how much premium you can afford, whichever is best for your life situation.
You may choose a supplemental insurance policy that will cover deductibles and other expenses that may not be covered by your primary policy. This is a personal preference but, if you typically have a significant amount of illness each year, this may be a cost-effective way to reduce your out-of-pocket expenses.
Also, with a supplemental policy, you may be able to choose a lower cost primary plan that will more than offset the cost of the supplemental plan, in certain situations.
Supplemental Health Insurance Policies will help with these situations:
Accident Policy
An accident policy will help prevent major out-of-pocket expenses due to an accident with the premium based on the amount of accident insurance you select.
Critical Illness Policy
This is a living benefit that will pay you a certain amount (based on your premium) in the event of a critical Illness.
Catastrophic Insurance Coverage for Emergencies
For times when you only want coverage for a hospitalization due to a surgery or an accident.
Income Protector Policy
You can receive an income if you cannot work due to an injury or illness. You will receive a monthly dollar amount based on your selected premium.
Life Insurance Policy
This pays your family a set amount of money in the event of your death.
Term Life Insurance
Term Life Insurance is an affordable alternative to Whole Life Insurance but, is not for everybody in every situation. Sometimes, it is best to have both types of policies in place.
We will explain both types of policies to you in detail as we help you decide which is right for you. While Term Life Insurance is often the favorite choice due to the lower cost premiums versus policy face value amount, Whole Life Insurance policies act like a savings account and grow their policy value over time.
We will outline the benefits of both types of life insurance and help you decide which one or if both are right for you. We ask the right questions and show you the numbers to help you determine the best solution for your situation.
We stay in contact with you for the duration to help evaluate your policies as your life situation changes over time and may adjust your Term Life Insurance or Whole Life Insurance plans as necessary to meet your financial goals or needs.
Let's Talk!
With any of the supplemental health insurance policies above, we can guide you to help you decide how much insurance you need or how much premium you can afford, whichever is best for your life situation.
