HEALTH & LIFE PRODUCTS

Solutions for your success.
As an independent insurance agency representing numerous companies, we consistently deliver the best insurance value for you. We are experts at working with small businesses and their employees. The Life Foundation website provides Real Life Stories and Needs Analysis for your Life & Disability needs at www.lifehappens.org/

LIFE INSURANCE
• Key Person
• Buy/Sell
• Estate Planning
• Debt Reduction
• Group Plans

DISABILITY INSURANCE
• Benefit periods 6 month to Age 67
• Elimination periods 30 to 730 days

LONG TERM CARE INSURANCE
• Nursing Home
• Assisted Living
• Home Health Care • Money back plan

EMPLOYEE BENEFITS
• Group Health Plans
• Fully-Insured
• Self-Insured
• Section 125/Cafeteria Plans
• Group Life
• Short Term Disability
• Long Term Disability
• Dental
• Vision
INDIVIDUAL HEALTH INSURANCE
• Deductible choices
• Co-insurance choices
• Guarantee issued plans for those that qualify

SENIOR HEALTH PRODUCTS

SHORT TERM MEDICAL
For people who are:
• Between jobs or laid off
• Graduating from college
• Waiting for group coverage
• Dependents falling off parents health plan
• Select plans for college students

ANNUITIES
• Fixed
• Indexed
• Qualified/Non-Qualified

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