LIFE HAPPENS - do you have the right protection? Life Insurance Term InsurancePermanent InsuranceLife insurance isn't for the people who die. It's for the people who live. Life insurance is a great vehicle to take the least amount of money to pass the most amount of wealth with the least amount of taxes to the next generation. Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. To find out more about life insurance and how it can help provide a strong foundation for your family's financial security, give us a call. Health Insurance If you've ever been sick or injured, you know how important it is to have health insurance coverage. Health insurance pays for things big and small, from a lab test that might cost $75 to a hospital stay for major surgery that could cost thousands of dollars. It gives you peace of mind knowing that no matter what kind of care or procedure you or a family member might require, you won't have to worry about shouldering the cost on your own. Disability Insurance Your most important asset is not your home, your car, your jewelry or other possessions. It's your ability to earn a living. Think about it: All of your plans for the future -- from buying a home to putting your kids through college to building a retirement nest egg -- are based on the assumption you will continue to earn a paycheck until you retire. But what would happen if those paychecks stopped? That's where disability insurance comes in. It provides an income to you and your family if you are unable to work because of illness or injury. Long-Term Care Insurance Many people mistakenly think their health insurance or Medicare will pay for any long-term care services they may need at some point. But health insurance really only pays for doctor and hospital bills. If you develop a chronic illness or become disabled and are unable to care for yourself for an extended period of time, you'll need long-term care services. And these services aren't cheap. The National Median full-time nursing home care averages $89,297 to $100,375 per year or home health care can cost $48,048 to $50,336 annually.*Source: Genworth Cost of Care Survey 2018, conducted by CareScout, June 2018 Supplemental Medicare Supplement Insurance Medicare doesn't pay for all of the costs of hospital and medical care. Consider a Medicare Supplement Plan to help pay for some of these costs.Medicare supplement plans let you keep your own doctor, specialists and hospital. They can also help limit your out-of-pocket costs during the year and your coverage travels with you throughout the U.S.A range of plans -- You choose the plan that fits your needs. Accident Insurance Accidents Happen. When a covered accident happens to your family, our accident insurance policy offers you cash benefits to help with unexpected medical and everyday expenses that begin to add up almost immediately. Cancer Insurance You've done all you can to prevent cancer by making lifestyle changes, but have you done all you can to protect yourself in case it does happen? We know how important it is for everyone to have cancer/specified-disease insurance coverage. Hospital Indemnity Insurance Hospitalized because of illness? Our indemnity insurance policy helps you with the associated expenses.