Policy Information
Flexible Spending Accounts
A Flexible Spending Account is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You don’t pay taxes on this money. This means you’ll save an amount equal to the taxes you would have paid on the money you set aside.
Dental Plan
Proper dental care is important and taking care of your oral health is an investment in your overall wellbeing. By seeing your dentist regularly, you can catch dental problems before they get too serious and require more extensive and expensive procedures.
Accident Plan
Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, and medical exams, and other expenses you may face, such as transportation and lodging needs.
Critical Illness Plan
Critical illness insurance is a type of coverage that provides a lump-sum cash benefit upon the diagnosis of a serious illness specified in the policy, such as cancer, heart attack, or stroke. This benefit can be used at the policyholder’s discretion, helping to cover medical expenses, treatment costs, and other financial burdens like mortgage payments, utility bills, and everyday living expenses.
Long-Term Disability Plan
Disability insurance is a crucial form of coverage that provides financial protection by replacing a portion of an individual’s income if they become unable to work due to illness or injury. It helps ensure that essential expenses such as mortgage payments, utility bills, and daily living costs can still be met during a period of disability.
Lifetime Benefit Term Life
Needs change over time and flexible term insurance can mirror those changes. It acts as temporary insurance to meet your temporary needs. The necessity to provide protection for a family starts out high, but generally diminishes over time as children reach maturity and savings plans accumulate.
Universal Life Plan
Universal life insurance is a flexible, permanent life insurance policy that combines a death benefit with a savings component. It offers policyholders the ability to adjust their premiums and death benefits to suit their changing financial needs and goals. Part of the premium payments goes into a cash value account, which earns interest over time and can be accessed or borrowed against by the policyholder. This policy provides lifelong protection while also serving as a financial tool for accumulating savings, making it a versatile option for long-term financial planning and security.