Life & Health Insurance

Life & Health Insurance Information

Life Insurance

People buy life insurance for many reasons, including:

  • ensuring that their beneficiaries have enough money to maintain their standard of living,
  • paying burial expenses and outstanding debts, and
  • meeting the requirement for business loans.

Beneficiaries are the people you designate to get the money from the life insurance policy after you die. The money is called a death benefit and is typically tax free to the beneficiary.

You may designate one or more beneficiaries. If you designate more than one, you must decide how to divide the money. You may also choose a secondary or contingent beneficiary to receive the money if the primary beneficiary dies before you. You may also designate an institution as your beneficiary.

Insurance companies use a process called underwriting to decide whether to sell life insurance to someone and how much to charge them. The company will consider these factors to decide the premium to charge: age, gender, medical conditions, whether you use tobacco, and your hobbies and occupation.

Younger people and people in good health, who don't use tobacco, and who don't have a hazardous job or hobby will have lower premiums because the company expects these policyholders to live longer. People who are older, have health problems, use tobacco, or have a hazardous job or hobby will pay more.

Companies may charge you a higher premium or decide not to sell you a policy because of your potential risk. If a company won't sell you a policy, keep shopping. Underwriting guidelines vary by company. You might find coverage with another company.

Health Insurance

Currently we are only offering Group Health Insurance. Use the Contact Us form in the drop-down menu above to inquire about group coverage. Check out for information or quotes on individual health insurance. 

Disability Insurance

Why you need disability insurance: The chance of missing months or years of work because of an injury or illness may seem remote, especially if you’re young and healthy and you work at a desk. But more than one in four 20-year-olds will experience a disability for 90 days or more before they reach 67, according to the Social Security Administration. 

There are two main types of disability insurance — short-term and long-term. Both replace a portion of your monthly base salary up to a cap, such as $10,000, during disability. Some long-term policies pay for additional services, such as training to return to the workforce.

Short-term disability insurance Long-term disability insurance
Typically replaces 60% to 70% of base salary Typically replaces 40% to 60% of base salary
Pays out for a few months to one year, depending on the policy Benefits end when the disability ends. If the disability continues, benefits end after a certain number of years or at retirement age.
May have a short waiting period, such as two weeks, after you become disabled and before benefits are paid A common waiting period is 90 days after disability before benefits are paid

Contact us using the link above. A knowledgeable and experienced agent will contact you to discuss what is best for your situation. 

Life & Health Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

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