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Plan for your future, protect theirs
Whether you're searching for Life, Health, Dental Insurance, and other retirement strategies', you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage.
Life Insurance
What is Life Insurance?
Life insurance is one of the most valuable purchases you'll ever make. Just as we buy car insurance or home insurance to protect us from the consequences of damage to or loss of an asset, we have life insurance to protect against the financial consequences that can result from our own deaths. The loss of income resulting from the death of the family's primary income earner can have compounding effects on financial dependents. For example, surviving dependents may struggle to maintain their former lifestyle, there may not be money to pay for college fees, and outstanding mortgage payments still need to be paid. All of this can create stress and fear on top of the financial pressure faced by the deceased's dependents.
How much coverage is enough? Make sure your family is protected with enough coverage to provide for them when you are gone.
Health Insurance
What Is Health Insurance and Why Do You Need It?
Health insurance is an agreement you make with an insurer to have them pay for some or all of your medical expenses in exchange for a premium. Having health insurance can keep you from incurring medical bills you can't afford to pay out of pocket.
Individual and family
Get health insurance coverage for just yourself or the whole family.
You decide how much coverage you want and how much you want to spend.
Save money on doctor's visits, prescriptions drugs, preventative care, and other healthcare services.
Dental Insurance
You care about your teeth so you should care about the way you shop for dental coverage. Don’t consider the monthly premium alone. Instead you should examine plans available in your area to see:
What dental services are covered by the plan
If your dentist accepts the coverage
What cap there is on the plan’s payments toward your annual dental costs
How much out-of-pocket costs are charged for the dental services you expect to use as well as the services that might be needed unexpectedly.
Compare the costs
Term life insurance vs. whole life insurance
Term life insurance vs. whole life insurance: compare the costs
You really can't make an apples-to-apples comparison when comparing life insurance quotes. Term life is usually more affordable because its coverage term length is fixed, and there's generally no cash value accumulation. On the other hand, the whole life cash value component and lifetime coverage tend to bring up the costs. But both pay a death benefit as long as the policy is active and the premiums get paid.
Choosing the best life insurance policy for your needs
Do a term and whole life insurance comparison based on your unique circumstances. Each one has its special features and benefits. Understand the differences and determine what's right for you.