Disability Insurance
PROTECT YOUR PAYCHECK! Disability Insurance helps to protect a portion of your income protecting you financially should you become disabled for an extended period of time. Protect Your Greatest Asset, Your Paycheck! We Offer Individual/Group/Buy-Sell, Own-Occupation, Benefits till age 65.. Statistics show that in the US a disabling accident occurs on average once every second.* In fact, Nearly 18.5% of Americans are currently living with a Disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.**
Life Insurance
Providing all types of life insurance for you or your family members. Get "peace of mind", in knowing that the death of the insured person will not result in financial hardship for loved ones and lenders. We specialize in Term Life Insurance and Whole Life Insurance. Term Life Insurance assurance provides life insurance coverage for a specified term. Universal and Whole life insurance provides lifetime death benefit coverage and cash value accumulation.
*^ "Disability Statistics"
(PDF). National Treasury Employees Union - Chapter 78. March 12, 2009.
**^ http://www.disabilityinsurance.org/articles/disability-insurance-infographic.html
(PDF). National Treasury Employees Union - Chapter 78. March 12, 2009.
**^ http://www.disabilityinsurance.org/articles/disability-insurance-infographic.html
Fixed & Indexed Annuities
Fixed Annuities are insurance products which protect against the risk of outliving your income. They are insured by licensed & regulated insurance companies, much the same as your home, auto or health is insured. And just like your home, auto and health insurance, they are backed 100% by the insurance company up to stated policy limits (which may be higher than FDIC). There are two types of fixed annuities: traditional fixed and indexed annuities. If you are looking for a place to get steady, guaranteed interest rates,we offer great fixed and indexed annuity products from various top rated insurance companies.
High Limit Accident Insurance
Be prepared for the worst and eliminate the financial stress that accompanies a death or permanent disability due to a devastating accident. Our High Limit Accident Plan will cover an individual or a group 24/7 with issue limits from $100,000 to $100 million in the case of an accidental death or dismemberment. This high limit plan can also be tailored to insure you against specific risks such as war and terrorism (even in war zones), aviation, common carrier transportation, motor racing, and mountain climbing, to name a few.
International Medical Plan USAway
Traveling abroad is exciting and fun! However, without the proper insurance it is dangerous and could result in disaster. US residents traveling abroad may be surprised to discover that traditional health insurance sometimes offers less-than-standard coverage or may even be rejected while abroad. For this reason, State Department advises international travelers to purchase short-term medical insurance while outside the US. The USAway Medical Plan offers up to $5 million coverage along with benefits for a worriless trip. This international major medical plan is designed for US citizens and US residents who are travelling outside the USA.
International Major Medical Plan for Foreign National Visitors
Foreign nationals traveling to the United States on business or for vacation may not be aware of the expensive cost of medical treatment in the US. Imagine the shock and stress that could overwhelm your foreign clients upon the realization that they are fiscally responsible for medical care in the event of an accident! This Medical Plan Covers Foreign Nationals visiting or migrating to the USA, USA citizens coming back to the USA after being outside the USA, Foreign Nationals living in their home country working for a US company, Foreign Nationals traveling to the USA and additional countries prior to returning to their home country.
Long Term Care Insurance
Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.
Age is not a determining factor in needing long-term care. About 60 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime.* About 40% of those receiving long-term care today are between 18 and 64. Once a change of health occurs long-term care insurance may not be available. Early onset (before age 65) Alzheimer's and Parkinson's disease are rare but do occur.
*(http://www.cms.hhs.gov/partnerships/downloads/LTCdropin.pdf
Age is not a determining factor in needing long-term care. About 60 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime.* About 40% of those receiving long-term care today are between 18 and 64. Once a change of health occurs long-term care insurance may not be available. Early onset (before age 65) Alzheimer's and Parkinson's disease are rare but do occur.
*(http://www.cms.hhs.gov/partnerships/downloads/LTCdropin.pdf
