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INSURANCE

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Health
Insurance

Health insurance provides financial protection in case you have a serious accident or illness. Health coverage can help protect you from high, unexpected costs.

  •  A Health Maintenance Organization (HMO) is a type of health care plan that provides managed care. HMOs set limits on the range of treatments available to members.

  • A Preferred Provider Organization (PPO) is similar to an HMO, but it typically offers members greater flexibility in choosing treatment. With a PPO, you can use any doctor or hospital on a list of preferred providers.

 

  • Major Medical Insurance provides coverage for most types of medical treatment. Your options are not limited to certain doctors or hospitals. Major medical plans have fewer restrictions than HMOs and PPOs, so they usually have higher premiums.

  • Point-of-Service (POS) plans are similar to HMOs and PPOs. Like an HMO, a POS plan requires you to choose a primary care provider, who will have overall responsibility for your care. A POS plan has fewer restrictions than an HMO, but it does not provide as much flexibility as a PPO.

  • Medicare Supplement insurance supplements the coverage provided to senior citizens by Medicare. Medicare requires deductibles and copayments for many types of treatment.

  • Supplemental Insurance plans provide benefits in addition to those you receive from other plans.  For example, a supplemental insurance plan might pay you a certain amount every day you are hospitalized or disabled. 

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

  • Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

Life insurance is a crucial step in planning for your future and the future of your loved ones.

Life Insurance
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Annuities

Annuities are insurance contracts that make regular payments to you either immediately or at some point in the future. You can purchase an annuity to help grow or protect your retirement savings or to provide you with guaranteed income.

  • Deferred variable annuities include funds that may have the potential for investment growth. Variable annuities are usually appropriate for those with longer time horizons or those who are able to handle market fluctuations.

  • A deferred variable annuity with a guaranteed minimum accumulation benefit (GMAB) provides you the potential to benefit from any market gains while simultaneously protecting your original investment from any market downturns for a specific period of time.

  • Deferred fixed annuities offer a guaranteed rate of return for a specific number of years. Fixed deferred annuities may be more suitable for conservative investors or for those interested in protecting assets from market volatility.