An independent agent represents a company as a private business owner. We understand business and individual family needs because we are independent business owners with families.
Insurance is a protection against something you can not afford to experience. Protection during a health crisis is the most necessary for financial well being. "I have disability, and my medical insurance pays my medical bills!" Well, it is not the medical bills that are the problem, it is the rent or mortgage, as disability coverage does not cover all of your bills. What about a truly serious accident, where you spend weeks or months in the hospital. Without a bridge to disability in these cases, many have financial problems. Take steps to create an interim cash buildup with insurance before disability starts. If you do not build a cash buffer, you may become credit centric, where you build credit debt that may be impossible to reverse. OK, you already have money in the bank. That is a false reasoning, as you only have it once, and then it is gone. Insurance gives money to you over and over again, without depleting your savings. If you can't afford a small premium, then you will go poor paying for the unusual additional expenses that arise, along with reduced income, when a serious accident or illness starts. You protect a critical resource, not simply decide to spend a certain amount.
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Insurance Purchased Directly by the Individual - Contact Us.
Cover your spouse and children. Children play rough and have accidents (child coverage is usually up to age 18 at signing, thereafter to age 23 if child is a full time student).
Business, Payroll Deduction
Talk to your employer and have them call to sign-up the employee group. We take care of all enrollment, paperwork, and services from A-Z. Contact Us.
Key Questions
What are your needs?
Are you protected financially in the event of a serious accident or illness?
What is your financial stability?
Can you cover your personal expenses for two to three weeks or longer while out of work? Where do you go for money?Savings, a bank loan, family, your employer? Many times employees take a second job to pay the extra bills, leading to poor performance on the first job, or worse, a key employee leaves for no apparent reason.
Insurance is a protection against something you can not afford to experience. Protection during a health crisis is the most necessary for financial well being. "I have disability, and my medical insurance pays my medical bills!" Well, it is not the medical bills that are the problem, it is the rent or mortgage, as disability coverage does not cover all of your bills. What about a truly serious accident, where you spend weeks or months in the hospital. Without a bridge to disability in these cases, many have financial problems. Take steps to create an interim cash buildup with insurance before disability starts. If you do not build a cash buffer, you may become credit centric, where you build credit debt that may be impossible to reverse. OK, you already have money in the bank. That is a false reasoning, as you only have it once, and then it is gone. Insurance gives money to you over and over again, without depleting your savings. If you can't afford a small premium, then you will go poor paying for the unusual additional expenses that arise, along with reduced income, when a serious accident or illness starts. You protect a critical resource, not simply decide to spend a certain amount.
