Health Insurance

Health insurance is a very specific type of insurance. With this type of insurance the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government agency. Health Insurance can protect a family from financial devastation in case of serious illness.

Today, health insurance costs are rising, which is a concern to many people. Because of ongoing advances in medical care and in technology, medical treatment is more expensive. These advances help people to live longer. Today there are more senior citizens than ever before – our population is aging. The elderly population is more frail and prone to illness thus requiring more medical care than a younger population that is healthier. This also causes an increase in the price of health insurance.

Health insurance costs are also rising due to personal health choices made by individuals. Poor eating habits, smoking, drug and alcohol abuse, a lack of exercise, obesity are some of these poor health choices. Today, health insurers offer discounts and incentives to people who love a healthy lifestyle.

Travel Insurance

Many of us take out travel insurance, but few know really what it is and how it can be defined. If you know what is included, you will be able to make the most of your protection.

In general terms, travel insurance protects a traveller's holiday costs against adverse events such as cancellation and interruption and also reimburses medical expenses, the loss or damage of property and transit delays. Travellers are compensated if they have to cancel or interrupt their travel, they will also be covered should they need emergency medical treatment, medical evacuation and other situations.

Travel Insurance is the one product in the modern insurance-saturated world that really is essential. You will not regret taking it out, but not being insured for your travel mishaps is a source of huge regret for far too many holiday-makers every year.

Long-Term Care

Long Term Care (LTC) is assistance that people need over an extended period of time when you can no longer take care of yourself due to accident, disability, illness or age. Long Term Care insurance helps pay for these Long Term Care services, which traditional insurance like Medicare, health insurance and disability insurance do not pay for. You can complete the quote request form and our insurance specialist will contact you.

What is Long-Term Care?

Long term care is primarily custodial care and includes a range of services provided to people who need ongoing help with the Activities of Daily Living or supervision when there is deterioration in mental capacity from Alzheimer's Disease or other forms of dementia. Activities of Daily Living, or ADLs, include bathing, dressing, eating, using the toilet, continence, and transferring from a bed to a chair.

Disability Insruance

Disability Insurance, often called DI or disability income insurance, is a form of insurance that insures the beneficiary's earned income against the risk that disability will make working (and therefore earning) impossible. It includes paid sick leave, short-term disability benefits, and long-term disability benefits. A quality disability insurance plan will provide them with coverage in the event of a disability.