INSURANCE
HAS CHANGED
Affordable plans are now available.
Convenient and hassle-free options.
Customers can shop, compare and self-enroll.
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PLANS
THAT FIT YOUR NEEDS
Coverage for your health, your income and family. Benefits paid directly to you or named beneficiary.
RX Programs and Telemedicine Services available.
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IT'S YOUR CHOICE
Protection to cover what you love, all in one place.
Welcome
to our 100% online
Shopping Portals!
PROTECT WHAT MATTERS MOST
INCOME PROTECTION
SHORT & LONG TERM DISABILITY PROTECTION
Income protection, which includes both short-term and long-term disability coverage, provides a safety net by offering a regular income replacement payment if you can't work due to illness, injury, or disability. This can help you cover your living expenses and maintain your lifestyle while you recover or find a new job. Without it, you may struggle to make ends meet and rely on savings or government assistance, which may not be enough to meet your needs. Therefore, having income protection can provide peace of mind and protect your financial wellbeing.
CRITICAL ILLNESS PROTECTION
Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness, such as cancer, heart attack, or stroke. This payment can be used to cover medical expenses, replace lost income, pay off debt, or make necessary modifications to your home or vehicle. Having critical illness insurance can provide financial security and peace of mind during a difficult time, allowing you to focus on your recovery without worrying about financial stress. It can also help you maintain your lifestyle and support your family while you receive treatment.
FAMILY CONCERNS
LIFE INSURANCE COVERAGE
Get up to $750,000 without medical testing. Innovative life insurance solutions combined with a best - in - class experience, all while giving you the strength and stability of A rated partners. Â Quick approval process and 100% digital experience providing you convenience and security. Available to individuals or to businesses.
MORTGAGE PROTECTION
Term insurance is a good option to protect your mortgage from foreclosure and loss of equity in the event of your death because it provides a lump sum payment to your beneficiaries. This payment can be used to pay off your mortgage, ensuring that your loved ones can keep the home without the burden of mortgage payments or the risk of foreclosure. Without term insurance, your family may be forced to sell the home at a loss or risk losing it altogether. Term insurance can provide a safety net for your family, allowing them to maintain their standard of living and avoid financial hardship during a difficult time.
FINAL EXPENSE COVERAGE
The best reason to have final expense insurance is to ensure that your loved ones are not burdened with the cost of your funeral and other end-of-life expenses. Final expense insurance provides a lump sum payment to cover these costs, which can include funeral expenses, medical bills, and other outstanding debts. By having final expense insurance, you can alleviate the financial burden on your family during a difficult time and allow them to focus on grieving and honoring your memory, without financial stress.
HEALTH COVERAGE
HEALTH PLANS
Available to individuals, families, and small businesses 12 months/year - Our HSP Gold  or Fundamental Care plans are an alternative to expensive traditional coverage (see brochures). Telemedicine services provided at no cost. Affordable Self-Pay plan option with Sidecar Health. Medicare Supplements also available, just request a quote.
DENTAL & VISION INSURANCE
Your dental benefits help you save money. And you might be surprised at how much more you save when you visit a network provider. Network providers charge you 25-50% less than their regular rates. Many of them also offer discounted fees on non-covered dental services as allowed by state law. Plus, costs for more serious dental procedures are typically reimbursed at a higher rate when you visit a network dentist.
RX PROGRAMS
Rx programs are prescription drug programs that provide assistance to patients in need of medications. They offer a range of benefits, including discounts on prescription medications, free or low-cost medications for eligible patients, assistance with navigating insurance coverage, prescription delivery services, and access to patient education and support resources. These programs can be especially beneficial for individuals with chronic health conditions or those who require expensive medications, helping to reduce the financial burden associated with prescription medications. Overall, Rx programs play an important role in ensuring that patients have access to necessary medications to maintain their health.
ANCILLARY PLANS
VOLUNTARY EMPLOYERS / EMPLOYEE BENEFITS
Providing ancillary benefit plans can be a beneficial decision for employers as they can enhance the overall benefits package offered to employees. These plans serve as supplementary insurance, covering a range of services that are not included in core health insurance such as dental and vision care, life insurance, disability insurance, and specialized health services. By offering ancillary benefit plans, employers can attract and retain talented employees by providing comprehensive benefits that meet their needs. These plans also offer additional coverage to employees, providing them with financial resources for unforeseen situations that may not be covered by their primary health insurance plan. In summary, incorporating ancillary benefit plans into an employer's benefits package can help provide additional financial security and peace of mind to employees, making it a valuable investment for employers.
High Deductible Health GAP Plan
The MMGAP (Foundation) is limited benefit hospital expense coverage and available to customers with existing or pending group major medical coverage. The MMGAP is designed to cover 100% of out-of-pocket deductibles, copayments, and coinsurance required by the group major medical policy for hospital inpatient treatment up to a calendar year maximum benefit of $2,000 up to $10,000, depending on the amount selected by the applicant. There is an Optional Hospital Outpatient Benefit Rider that will cover 50% of the group major medical deductible, copayments and coinsurance associated with Hospital Outpatient expenses, subject to the policy calendar year maximum benefit amount selected. See brochure.
If You Need Me
As your Life & Health insurance advisor I will assist you with the desired coverage you seek for your family.
Our plans include Income Protection, Health Insurance, Supplemental Insurance, Life Insurance, Final Expense and Mortgage Protection.
With our competitive rates and personal service, you can have peace of mind knowing that your family is protected in the event of an unexpected illness, injury or death.
I am committed to helping you find the best plan to suit your needs. Should you need my assistance please message me.
