LIFE
TERM | UNIVERSAL | VARIABLE | WHOLE (PERMANENT) | GUARANTEED | BURIAL
MORTGAGE PROTECTION LIFE INSURANCE
Mortgage protection is simplified, quick issue insurance that is used to protect our YOUR greatest asset; YOUR home.
Mortgage protection provides a death benefit to pay off all, or a portion of, YOUR mortgage. Optional riders are available in most states, such as disability income and return of premium, which refunds all, or part of, the premium paid if the policy is unused.
Can be customized to fit each of YOUR needs and budget.
WHOLE LIFE/PERMANENT INSURANCE
Affordable protection that pays directly to your chosen beneficiary.
Use benefits to pay medical bills, burial/final expenses, and unexpected expenses.
Protect your estate through tax-free benefits and liquidity.
Have benefits to continue the family business!
Provide children/grandchildren’s education
Single or level premium
UNIVERSAL LIFE (UL) / UNIVERSAL INDEX LIFE (UIL) / VARIABLE UNIVERSAL LIFE (VUL) INSURANCE
Accumulate cash value earning interest at current rates with a SAFETY NET of a guaranteed minimum rate!
Grow cash value on a tax-deferred basis!
Borrow against the cash value or make partial withdrawals.
Lifetime protection, flexibility, and growth potential!
FINAL EXPENSE/BURIAL EXPENSES
Here to assist YOUR family and YOU during the loss of a loved one.
Offers final expense plans designed to remove, or offset, the financial stress associated with death.
Has the family’s and YOUR best interests in mind.
COLLEGE FUNDING /ESTATE BUILDING FOR KIDS
One of the biggest concerns related to new generations of people is the rapidly rising cost of a college education.
We view it as incredibly critical that families, the future generations of the world, and YOU are educated on the many college funding options available today.
Our financial literacy experts are here to assist YOU on these options to ensure YOUR financial futures are bright and unencumbered by student loan debt.
Insurance carriers also offer various categories of products and coverages with competitive rates with:
Simplified and Guaranteed Issued Whole Life
Non-medical and Medical Term Insurance
Whole Life with Chronic Care
Multi-Life (2-on-1)
Life insurance with Long-Term Care (LTC)
Accidental Death
HEALTH
DISABILITY INCOME (HOME and WORK)
Coverage for total, partial, and presumptive total disability
Coverage for short and long-term disabilities
Business Overhead Expense
Accident only coverage
HOSPITAL INDEMNITY
Guaranteed Accident with hospital stay (iGAP)
Doctor-Fixed Indemnity
TRITERM MEDICAL (AVAILABLE IN SELECT STATES)
Tri-Term Medical is limited-duration health insurance lasting nearly 36 months over 3 terms. Insurance carriers design this product to provide health insurance for longer than traditional short-term insurance with the types of benefits you and your family may be looking for.
DENTAL / VISION COVERAGE
Senior Dental Care
Preventive Care
Eye Exam Coverage
HEALTH MANAGEMENT & UTILIZATION PROGRAMS
Health & Wellness Programs
Online Clinic
BEHAVIORAL HEALTH
Get help with Information on Health Topics
Mental health Assessments
Neuropsychological Tests
LIVING BENEFITS (CRITICAL ILLNESS)
Critical illness insurance is medical insurance that provides a lump-sum benefit upon diagnosis of a covered critical illness or condition.
Helps YOU avoid the financial burden that those illnesses can create.
Benefit payout useful for getting the treatment YOU want, spending time with YOUR family and friends, keeping YOUR home, and filling in the financial gaps left by most medical insurances.
Cancer, Heart Attack, or Stroke coverage
SUPPLEMENTAL HEALTH
SHORT-TERM & LONG-TERM CARE
Home Health Care
MEDICARE ADVANTAGE (MEDIGAP) / MEDICARE SUPPLEMENT / MEDICAID
PRESCRIPTION DRUG PLANS (PHARMACY)
Generic and Brand-name Medications Tiers
Cost-share Levels
HEALTH EXPENSE FUNDS
Great Cost-savings Tools
Reimbursement for Eligible Health Care, Dental, and Dependent Care Expenses
STUDENT HEALTH
CHILD CARE FACILITY COVERAGE
Group Blanket Accident Insurance for registered children of licensed child care centers, nursery schools, Montessori schools, and private religious schools. Coverage is also offered for the staff if the school desires.
The facility simply completes the group policy application and their coverage will become effective on the date they request if the appropriate premium has been received before that date.
It helps provide peace of mind that the children of the facility are covered and protected in case of an accident.
COLLEGE/UNIVERSITY SPORTS COVERAGE
Group Blanket Accident Insurance for Athletic participants is designed to help meet the specific needs of the College or University. This insurance provides benefits to athletes during a school's regularly scheduled, sponsored, and supervised athletic activities to help with medical expenses that occur as a result of an accident.
Schools work in conjunction with insurance carriers’ staff to customize a program that helps fulfill the needs of the school. Maximum limits of up to $90,000 and are supplemental to the athlete's primary health insurance. Schools can choose various deductibles and benefit levels for one or two years.
COLLEGE/UNIVERSITY STUDENT HEALTH PLAN
Student health plans can be a valuable solution for college students and their families. Not only can they cost less than other plans – even less than staying on an employer-sponsored family plan – they can also provide better benefits.
Student plans come with added benefits because they’re designed with students in mind. Lower rates are possible partly because they’re based on a younger, healthier population and provide coverage for a limited time (just while they’re in school). Families and students can save money – and get high-quality coverage at the same time.
K-12 STUDENT-ATHLETE & ACCIDENT
Group Blanket Accident Insurance for schools can help cover all students, with an option to insure athletic participants. Coverage can also be supplemental to parental health insurance coverage so that it can help with high deductibles and out-of-pocket expenses for parents.
Schools work with insurance carriers’ staff to customize a program to help fulfill the school's needs. Sports and accident coverage or voluntary coverage can be issued as a blanket for all students.
These programs can help remove the worry of school-sponsored activities and athletic events by providing supplemental accident medical insurance for students and athletic participants.
ANNUITIES
“An annuity is a contract between you and an insurance company in which you make a lump-sum payment or series of payments and, in return, receive regular disbursements, beginning either immediately or at some point in the future.”
GOAL OF AN ANNUITY
The goal of an annuity is to provide a steady stream of income during retirement. The funds build on a tax-deferred basis like 401(k) contributions and can only be withdrawn without penalty after age 59½.
FIXED ANNUITIES
Insurance contracts that pay you a specific or guaranteed interest rate on your contributions to your account.
VARIABLE ANNUITIES
Insurance contracts that pay interest fluctuate based on the performance of an underlying investment portfolio chosen by you. Variable annuities provide an opportunity for a potentially higher return, accompanied by greater risk.
INDEXED ANNUITIES
Insurance contracts that pay an interest rate based on the performance of a specified market index. Indexed annuities are sometimes referred to as equity-indexed or fixed-indexed annuities. It falls between risk and potential reward. You receive a guaranteed minimum payout, although a portion of your return is tied to the performance of a market index.
ADVANTAGES OF ANNUITIES
The biggest advantage of annuities is they allow you to sock away a larger amount of cash and defer paying taxes! Unlike other tax-deferred retirement accounts such as 401(k)s and IRAs, there is no annual contribution limit for an annuity. This allows you to put away more money for retirement and is this useful for those that are closest to retirement age and need to catch up. All the money you invest compounds year after year without any tax bill from the government. You have the ability to keep every dollar invested working for you and that is a big advantage over taxable investments. When you cash out, you can choose to take a lump-sum payment from your annuity, but many retirees prefer to set up guaranteed payments for a specific length of time or the rest of your life, providing a steady stream of income. The annuity serves as a complement to other retirement income sources, such as Social Security and pension plans.
EMPLOYER (GROUP) INSURANCE
Employer (Group) Insurance health plans provide coverage to company employees or members of an organization. Group health members receive insurance at a reduced cost because the insurer's risk is spread across a group of policyholders.
Group Insurance Coverages
short-term disability | long-term disability | behavioral health | dental/vision | critical illness | accident
Medicare/Medicaid | accidental death & dismemberment (AD&D) | hospital & doctor fixed indemnity | tri-term medical
pharmacy (prescription) | group spending accounts | short-term & limited medical | whole life | term life
student & faculty health | worksite plans | health/wellness programs | international travel
GROUP MEDICAL STOP LOSS
Provides excess loss insurance coverage protection to employers who choose to self-fund the health benefit plans they offer to their employees. Self-funding is an alternative to traditional fully-insured group health plans and is governed by federal law (ERISA).
The employer establishes (and can design the benefits for) their health plan, funded by the contributions of both the employer and participating employees. The self-funded plan is responsible only for its own incurred claims and other costs – and does not subsidize other employers’ plans, as is the case with fully insured plans because self-funded plans are regulated by federal rather than state laws, they are not required to include many of the costly benefit and administrative mandates otherwise imposed by the states upon fully-insured plans.
Self-funding offers employers the possibility of significant savings in the cost of providing medical expense coverage to their employees compared to traditional fully-insured plans: control over plan designs, lower state premium tax, enhanced cash flow, cost-effective claims processing, and timely reporting by an experienced Third Party Administrator, and avoidance of costly state mandates and the possibility that the employer may receive a return of any unused claim funds!
GROUP ACCIDENT
Accident-Only Insurance was created specifically for associations and groups to help address their unique needs.
A lump sum benefit is paid directly to the insured for injuries originating from a covered accident if the injury from the accident causes death, dismemberment, or loss of sight, speech, or hearing within 365 days from the date of the accident.
Today, consumers have increasing personal responsibility for health care costs. Help your association or group members protect themselves from the high costs of medical care associated with accidents. This valuable product can help them retain members as well.
ASSOCIATION GAP
Group Accident-Only Insurance is designed for Associations to help their members bridge benefit gaps in their major medical insurance policies.
Association Executives can choose from 5 plan options that can help provide benefits for:
Accidental Medical Expense
AD&D
Cancer
Heart Attack and Stroke
Hospital Sickness
Out-of-pocket expenses in major medical insurance policies continue to rise each year. With this coverage, Association members can receive benefits paid directly to the insured to help cover the maximum out-of-pocket limits of major medical insurance policies.
Benefits range from $1,000 to $10,000 and can help cover:
Lost wages
Living expenses
Deductibles
Prescriptions
Travel accommodations for treatment
Alternative medicine
GROUP GAP
An employer-sponsored group supplemental medical expense insurance can reduce the overall cost of an employer’s group medical coverage. When employers combine this with a major medical insurance plan, it will provide coverage that groups need and can afford.
After the deductible is satisfied, the coverage will pay benefits until the Maximum Benefit amount has been reached. Depending on the employer's plan design, it will help pay the charges for hospital and outpatient applied to the deductible, coinsurance, and co-payments. It can provide coverage towards the same expenses as your group's major medical insurance plan with the exception of certain exclusions outlined in the policy.
It can save employers 10-20% on their group medical premiums. This supplemental medical expense coverage helps maintain or improve benefits while providing additional hospital inpatient and outpatient coverage.
TRAVEL & INTERNATIONAL
INTERNATIONAL HEALTH PLANS FOR EMPLOYERS & EMPLOYEES
Health insurance plans are comprehensive and can tailor to meet all of your needs. Plans can also be flexible and allow expatriates to choose and only pay for the coverage they need. Medical plans offer multiple levels of coverage with each plan including inpatient and day-patient care with the option to add outpatient care and other optional modules. Also, Expatriates can choose their desired area of coverage.
The health benefits in the plans mean you will have access to an international healthcare network of trusted hospitals, doctors, and other healthcare professionals. The network is especially helpful if the local healthcare system in your residence country is too expensive or provides improper service. They can help you find the best doctors and medical facilities to provide you with the healthcare you need and deserve.
If work takes you overseas, you need global health insurance to have expert health advice and care wherever you are.
The plans can offer:
Medical care essentials, including hospitals stays and treatments
Flexible plans tailored to your needs and budget
Priority access to support from doctors and nurses
Whole healthcare support through a range of tools, products, and solutions
A digital portal to securely store important documents
HEALTHCARE TRAVELERS
If you have been diagnosed with a medical condition, you will want the best possible treatment – even if that means traveling abroad. Insurance carriers have teams of in-house experts that can help you make the right medical decisions, offer clinical support, give second medical opinions, and give you access to quality hospitals and clinics around the globe for the right cost.
GLOBAL HEALTH SOLUTIONS FOR GOVERNMENTS
If you’re a citizen that needs to travel on behalf of your country health insurance and health plan products can be tailored to meet your needs, whatever they may be and whatever you do. There are insurance carriers that have a global network of over 1.5 million medical professionals and multiple years of looking after expatriates abroad, which you can trust to make your citizens' health and well-being their priority.
If you are a business owner, your employees abroad deserve excellent, efficient, and reliable medical care no matter where they’re working. Insurance carriers have networks of over 1.5 million medical professionals in over 200 countries and jurisdictions which means they are always at hand to help your diplomats or employees.
OVERSEAS STUDENTS & FACULTY
If you have students and faculty abroad to further their education, provide them with the medical support they need by choosing a health provider. There are insurance carriers that can connect them with top healthcare providers anywhere in the world and they can have a customer service center staffed every day of the year with representatives that speak their language.
There are times when a visit to a doctor’s office is difficult to manage, but insurance carriers have global telehealth service where students and faculty can have the opportunity to speak with licensed doctors around the world – by phone – to discuss their symptoms and the best next steps for them. They can schedule an appointment from anywhere in the world, 24 hours a day. Students and faculty can also have access to free, confidential assistance with any personal issues at any time or any day; including short-term professional counseling and telephonic support. If a student or faculty member wishes to speak with a clinician regarding a non-urgent matter (such as stress, anxiety, relationship conflict, or bereavement/loss by telephone, insurance carriers also have clinical professionals available 24/7 to talk through their concerns and determine the best next steps to address the situation.