You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does. First, you’ll need to determine the type of life insurance you want to buy, with the most common types being term life insurance, whole life insurance, and universal life insurance. Each has its own way of paying out, and the plan you choose can be best determined by your individual needs.

No one wants to consider the unthinkable, so talking about child life insurance can be difficult. But, there are advantages to this type of coverage that you might not be aware of. We’ll talk you through the basics of a child life policy to help you decide if it’s right for your family.

Child life insurance is usually a whole life policy that starts much earlier in life than usual. It has three main advantages.

• One is that it can cover funeral costs, counseling, and leave from work in the tragic event that your child dies.
• The second advantage is that it can act as a form of savings, particularly for college fees. Most child life insurance policies build up a cash reserve that you can either withdraw (for a fee) or use as security on a loan. In most cases, the growth of this cash reserve is at a guaranteed rate.
• The final advantage is that starting a policy now reduces the risk of your child having trouble getting a policy themselves as an adult if they’ve developed a medical condition in the meantime.

To get more insight into whether a child life policy is right for your family, contact us today.

Paying for life insurance for your employees is a valuable benefit that can be a big selling point when recruiting staff. Accidental death and dismemberment insurance is a variation on life insurance, but it only pays out if the death is from an accident (or in some cases a homicide). It usually only pays out if the death happens while premiums are still being paid (similar to term life insurance).

Accidental death and dismemberment insurance can be a policy on its own, or it can be added on top of the normal life insurance payout – however, neither of these policies are a substitute for workers’ compensation insurance. This is mandatory for most employers, and while it only covers injuries or deaths at work, it does pay out for medical bills, some lost income, and death benefits.

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months—even years. The principle of long-term disability insurance is simple enough–you pay premiums and if you become disabled and are no longer able to work, you get regular payments to make up some of the lost income. As with life insurance, it’s often a smart way to make sure you and your family (or financial dependents) are protected if the worst happens.

Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. While it’s great news that medical advances mean people are living longer, it does increase the chances of needing long-term care. This can be a costly service and is usually not covered by typical medical insurance. The potential expenses of long-term care are wide-ranging and long-lasting, covering nursing home bills, day care services, home modification, and assisted living facilities, among others. Long-term care insurance will pay out to cover these costs (and give you peace of mind before those costs arise). Contact us to explore long-term care insurance coverage and if it may be a good fit for you and your family.

Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality health insurance package. Disability insurance pays out to an employee of your business who is unable to work because of illness or injury. Typically this pay out is equal to 60 percent of their typical salary and is often paid as tax-free income structured just for you. Want to know more about disability insurance for your employees? Reach out! We’re happy to chat through your options.

For those who don’t have employer-sponsored health plans, an individual health insurance policy is a necessity. We’ll help you sort out the confusion of co-pays, coinsurance, and other considerations. Depending on your age and geographic location, you can often find a policy and price that’s just right for you. Health insurance is certainly a complicated topic, so if you want to find out more about getting the ideal plan, contact us today.

Medicare supplement insurance can be a complicated topic. Medicare insurance is a government-sponsored health insurance program available to most people aged 65 or older and who have paid into Social Security. It’s divided into several sections with differing costs and choices. Our experts can help you to determine which plan is the best fit for you.

Taking care of your teeth is part of being healthy. Having dental insurance is key to staying healthy, and it’s not just about your teeth. Did you know that regular dental exams can even help detect serious underlying conditions such as heart disease and diabetes? Individual dental insurance is designed to offer you coverage and help you budget for all levels of care. Dental plans offer a variety of diagnostic, preventative care, and corrective services which include cleanings, exams, x-rays, fillings, root canals, orthodontia for children, and emergency care while traveling. All of these are important for maintaining a healthy smile and having the proper coverage can ensure you get the dental care you need.

Dental plans offer a variety of diagnostic, preventative care, and corrective services including cleanings, exams, x-rays, fillings, root canals, orthodontia for children, and emergency care while traveling. We’re happy to talk through the details of dental insurance, of course. Contact us, and we’ll lead the way.

Good eye care can help diagnose more serious health problems. Your vision provider can identify early signs and symptoms of conditions such as glaucoma, cataracts, high blood pressure, diabetes, heart disease, and high cholesterol. Even if your basic health insurance plan offers coverage for routine eye examinations, a group vision insurance plan is inexpensive to offer your employees and can cover benefits for exams, frames, lenses, contact lenses, and safety glasses.