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Life Insurance

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  • Final Expense

    Final Expense (2)

  • Long-Term Care

    Long-Term Care (4)

  • Hybrid Long Term Care Insurance vs Traditional Long Term Care Insurance

    Hybrid Long Term Care Insurance vs Traditional Long Term Care Insurance

    Hybrid Long Term Care Insurance vs Traditional Long Term Care Insurance

    Did you know that is more than one option when it comes to long term care insurance?

    With the traditional long term care insurance you pay your premium, and if you need long-term care due to age or illness, the policy pays out a daily or monthly benefit. Some people think that if they die without needing long-term care, they feel they’ve “wasted” the premiums.

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  • Fact vs Fiction About Long Term Care Insurance

    Fact vs Fiction About Long Term Care Insurance

    Fact vs Fiction About Long Term Care Insurance

    Learn the facts about your need for Long Term Care

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  • NOW is the Time for Long Term Planning

    NOW is the Time for Long Term Planning

    NOW is the Time for Long Term Planning

    We won’t admit it but NOW is the time to start planning for our long term care needs.  Planning ahead is important because 70% of people turning age 65 can expect to use some form of long-term care during their lives.  And, most likely the older you get the greater the chance you will need long term care.

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  • How Much Long Term Care Insurance is Enough?

    How Much Long Term Care Insurance is Enough?

    How Much Long Term Care Insurance is Enough?

    When it comes to insurance there isn’t a one-size fits all approach.  This is especially true when it comes to long-term care insurance.

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  • NY State Of Health Small Business Marketplace (SHOP)

    NY State Of Health Small Business Marketplace (SHOP)

    Employers

    The Small Business Marketplace (SHOP) helps employers offer high quality, affordable health insurance coverage to employees directly from NY State of Health certified Insurers. The Small Business Marketplace (SHOP) is the only place where employers can take advantage of the Small Business Health Care Tax Credit, if eligible.

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  • Group and Health Benefits

    Group and Health Benefits

    Group and Health Benefits

    There are group products available for:

    Life, Auto, Health, Disability and Voluntary Benefits, most of which don’t cost the employer anything to offer to their employees.  Examples are: Dental, Vision, Accident, Cancer, Critical Illness.  Voluntary benefits pay benefits directly to the employee and the monthly cost is paid for directly through an employee payroll deduction.

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  • Which Makes Sense for You: Permanent or Term Life Insurance?

    Which Makes Sense for You: Permanent or Term Life Insurance?

    Which Makes Sense for You: Permanent or Term Life Insurance?

    In a very broad sense, there are two types of life insurance:

    • permanent life insurance and
    • term life insurance.
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  • Why it's Worth Considering Final Expense Insurance

    Why it’s Worth Considering Final Expense Insurance

    Why it’s Worth Considering Final Expense Insurance

    Burial insurance or final expense insurance is a basic life insurance policy that covers people until they reach the age 100. It is an easy insurance to obtain. Depending on the policy, burial insurance or final expense insurance gives your family the ability to cover the expenses of a funeral and potentially other outstanding expenses.

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  • Term Life Insurance

    Term Life Insurance

    Term Life Insurance

    Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.

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