Insurance - Products


Long Term Care Insurance - An insurance policy that people buy to cover the medical and non-medical care for people with a chronic illness or disability. This helps meet health and personal needs of family and loved ones. Most long term care assists with support services relating to daily living activities like dressing, bathing, and using the bathroom. Long-term care can be provided in the home, community, in an assisted living center or in a nursing home. Long-term care could be necessary an any age.

Cancer, Heart Attack and Stroke Plan - Lump, sum benefit paid directly to you upon diagnosis of cancer, heart attack or stroke. This cancer plan is designed to fill the gaps in traditional health plans to provide you with more complete protection against the cost of living with cancer or suffering a heart attack or stroke.

Medicare Advantage Plans - Also referred to as (Medicare Part C), are special plans offered to Medicare beneficiaries by private companies which work in conjunction with Medicare and cover the full range of hospital and doctor services covered in Original Medicare. These companies may also reimburse you for extra costs beyond the Medicare-approved amount.

Medicare Supplement Plans - Medicare provides benefits for the most medical needs, but it can leave you with many out-of-pocket expenses. Those expenses could be substantial if you experience a catastrophic illness or repeated hospitalization.

Medicare supplement insurance helps pay expenses not covered by original Medicare, such as deductibles and coinsurance. However, non-covered charges will be the insured's responsibility. Policies that meet the definition of Medicare supplement insurance are clearly labeled, usually on the policy's front cover.

Life Insurance Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person. Depending on the contract, other events such as terminal illness or critical illness can also trigger payment.

Life-based contracts tend to fall into two major categories:

Protection policies - designed to provide a benefit, typically a lump sum payment, in the event of specified event. A common form of a protection policy design is term insurance.

Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms are whole life, universal life, and variable life policies.


Fixed annuities - These are annuities with fixed payments. The insurance company guarantees a fixed return on the initial investment. Fixed annuities are not regulated by the Securities and Exchange Commission.

Variable annuities - Registered products that are regulated by the SEC in the United States of America. They allow direct investment into various funds that are specially created for Variable annuities. Typically, the insurance company guarantees a certain death benefit or lifetime withdrawal benefits.