Individual and Family Insurance

Major Medical Insurance

We offer personal health insurance plans for individuals and families with BlueCross and BlueShield, United Healthcare (Golden Rule), and Coventry Health.

Flexible and reliable health care plans
Access to extensive networks of physicians, hospitals and health care providers
Quality care with less out-of-pocket expense through network providers
Excellent customer service

Short-Term Medical

Short-Term Medical provides temporary health insurance designed to help protect your health care needs and financial security while you wait for permanent coverage to begin.

Flexible choices to select a benefit period suitable to your time frame (1-12 months)
Various deductibles to choose from
True major medical insurance on a short term basis
Competitive premiums

Disability Income Insurance

Disability income insurance provides a monthly benefit for loss of income due to covered injuries and illnesses. When you can’t work, it can help you and your family:

Keep a roof over your head
Maintain your daily routines
Rest easy knowing the bills will get paid

Health Savings Accounts (HSAs)

A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis. You must be covered by a High Deductible Health Plan (HDHP) to be able to take advantage of HSAs. An HDHP generally costs less than what traditional health care coverage costs, so the money that you save on insurance can therefore be put into the Health Savings Account.

You own and control the money in your HSA
Decisions on how to spend the money are made by you without relying on a third party or a health insurer
You will also decide what types of investments to make with the money in the account to make it grow

Life Insurance

We offer a comprehensive portfolio of life insurance products with top rated companies.

10, 15, 20, and 30 year term life insurance
Return of premium term life insurance
Universal life insurance
Indexed universal life insurance
Whole life insurance
Final expense life insurance
Second to die life insurance

Individual Retirement Accounts (IRAs)

We will assist you with your IRA account.

Traditional IRAs
Roth IRAs
Multi-generational IRAs

Children’s Life and Health Insurance

Many of our companies have life and health insurance specifically designed for your children.

Dental Insurance

We offer stand alone dental insurance for individuals and families.

Preventive services are covered at 100% with no waiting period if received by an in-network dentist
Restorative procedures are covered at 80% if received by an in-network dentist (after a $50 deductible and a 6 month waiting period)
Complex restorative procedures are covered at 50% if received by an in-network dentist (after a $200 deductible and 12 month waiting period

Supplemental Health Insurance

Supplemental insurance pays a cash benefit to the insured. The amount of cash and how it is paid out depends on the supplemental health insurance plan or policy. Some popular supplemental health insurance policies are:

Specific disease insurance such as for cancer
Accidental death and dismemberment insurance or accident health insurance
Hospital indemnity insurance

Dental, Vision and Hearing Insurance

Your teeth, eyesight and hearing support and increase your quality of life. There are now affordable and well designed dental, vision and hearing insurance policies available to help cover the expenses associated with maintaining a healthy quality of life. >>More Information