insurance-category: Personal

Can you be certain you’ll get your money back if you cancel your travel plans? Whether your next adventure is by car, train or plane, we have a trip protection plan for you. When you purchase one of our affordable single- or multi-trip insurance plans, you’ll receive coverage for: Trips of 100 miles or more Cancellations, interruptions or delays—with reimbursement for accommodations, airline tickets, rental car deposits and more Lost, stolen or delayed baggage Emergency medical situations and worldwide assistance 24/7 Concierge services, including travel information, entertainment planning and personal assistance Get A Quote Single-Trip Plans This short-term package provides coverage for a single trip lasting 1 to 180 days. It’s ideal if you take one or two trips a year. Multi-Trip Annual Plans This package provides coverage for unlimited trips lasting 1 to 30 days. It’s ideal if you: Take three or more trips per year Want to save time and money Travel with last-minute notice Make travel arrangements online […]

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Safeguard yourself from risk. Directors and Officers (D&O) liability insurance has long been critical for public companies needing protection against shareholder lawsuits. But even if you don’t have shareholders, you need protection from executive liability exposures. Litigation can come from trusted customers and clients, competitors, government agencies, and even fellow executives. If you serve on the board of a not-for-profit, you could be sued for: Asset mismanagement Errors and omissions Failure to provide services Wrongful employment practices Get A Quote Add D&O coverage to your personal umbrella or excess liability policy to protect your personal assets from legal actions related to your not-for-profit work. Potential Claims Claims could be filed against you by parties outside your organization, by organization members or other executives, directors, officers or trustees for allegations of: Wrongful Acts Conflict of interest Fraudulent conduct, reports, financial statements or certificates Breach of contract Financial Mismanagement Asset wasting Inefficient administration resulting in losses Assets sold for unreasonably low prices Judgment Errors/Mistakes Disclosure of material facts Dissemination of false or misleading reports or information Making improper guarantees Negligence Habitual absence from meetings Failure to examine reports and documents before signing Failure to detect and stop embezzlement of organization funds […]

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A well-appointed lifestyle requires the best protection. Whether you have multiple homes, luxury automobiles, valuable collections, watercraft or other precious assets, we can provide the appropriate coverage to fit your lifestyle. You’ll notice the difference right away when you work with one of our family risk managers. An exceptional level of professionalism In-depth knowledge Proactive attention to your needs Get A Quote As your advocate, we bring a holistic approach to your insurance planning. The starting point is getting to know you, your goals, dreams, priorities, tolerance for risk and plans for the future. Services Investments Insurance Trusts We can assist you with coverage for: Catastrophe – property management Collections – cataloging, transportation and exhibition management Employment – background checks, employment practices consulting and workers’ compensation loss prevention Security – alarms, fire defense systems and kidnapping and/or ransom Valuables – appraisals for art, jewelry and home inventory Your family risk manager will identify any gaps or overlaps in your existing coverage then present recommendations based on your overall risk, expenses and administrative efficiencies. A personal program can be designed that considers the fine craftsmanship of your home and contents, automobile coverages with agreed value, and appropriate limits on your personal umbrella policy. We offer sound research-based financial advice and investment portfolio services for individuals and businesses: Investor’s Deposit Account IRAs Invest with Guidance Invest on Your Own Corporate Stocks Bonds Mutual Funds Annuities We offer a comprehensive suite of insurance services: Permanent Life Term Life Health Disability Our individualized financial advisory services and trust products help you protect your assets and provide for your family: Unit Investment Trusts Corporate Trust Services […]

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Coverage you can smile about. Dental health is critical for protecting your overall health. Your mouth is a mirror of how your whole body is functioning, because several diseases and adverse health conditions can be prevented, diagnosed and even treated there. We offer a variety of competitively priced dental plans through reputable carriers to help you care for your teeth and to minimize your overall health care costs. Dental insurance can provide coverage for: Preventive care Basic services, including routine fillings and extractions Major services, including crowns, bridges and dentures Orthodontia Get A Quote Through proper dental care and coverage, you’re taking an important step toward protecting your overall health. Easy Dental Care FAQs Taking proper care of your teeth and gums requires more than brushing and flossing every day. We can help make access to dental care easy through: An extensive network of reputable dentists available through our carrier partners. Affordable options for every budget. Quality coverage you can count on. With dental insurance protection, high health care costs won’t stand between you and good oral health. We can help you answer some of the most common questions about dental insurance: What does dental insurance cover?Most plans cover a broad range of dental services, including fillings and extractions, plus major services like crowns, bridges and dentures. Coverage also includes preventive care. Typically, cosmetic procedures are not covered. What is preventive care?Preventive care generally includes routine oral exams and cleanings. What is included in basic services?Most plans include fillings, endodontics, simple extractions, oral surgery and other basic services. What do major services include?Many plans include periodontal maintenance, inlays and onlays, crowns, bridges and dentures in their menu of major services. What are UCR fees?UCR (Usual, Customary, and Reasonable) fees are set by insurance providers and are based on a certain procedure’s typical cost. For example, if your procedure costs $120, your provider may have a UCR of $80. You would be responsible for paying the remaining $40. […]

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By the time you need elder care, you may not have the resources to cover its cost. Did you know Medicare won’t cover all your health care costs? Medicare Supplement Insurance—or Medigap—lets you avoid financial surprises by filling the gap between what original Medicare pays and what you pay out-of-pocket. And, enrolling in a supplemental insurance plan when you first become eligible may help reduce your costs later. With Medicare Supplement Insurance you help manage your health care decisions and you control your: Copayments Coinsurance Deductibles Get A Quote Medicare Coverage Medicare Exclusions Supplemental Coverage Medicare insurance comes in several parts with varying degrees of services covered. The four major parts are: Medicare Hospital Insurance (Part A) covers hospital stays (semiprivate rooms), tests performed in the hospital, food and doctor’s fees. Medicare Medical Insurance (Part B) covers some services not covered by Part A, usually on an outpatient basis, including: Ambulance transportation Blood transfusions Chemotherapy Common x-rays Drugs administered during an office visit Hormone treatments Immunosuppressive drugs (for recent organ transplant patients) Lab tests Outpatient treatments Renal dialysis Surgeries Vaccines for pneumonia and flu Medicare Advantage (Part C) replaces the original Medicare plans (Parts A and B), with private health insurance. Since 2003, these plans have been supplemented with prescription plan coverage and are now called Medicare Advantage. Medicare Prescription Drugs (Part D) is prescription drug coverage for Medicare beneficiaries who choose to enroll in either a standalone drug plan or Medicare Advantage (Part C) with prescription drug coverage. Medicare insurance comes in several parts with varying degrees of services covered. The four major parts are: Long-term care. Medicare only pays for medically “necessary” care provided by a medical professional in a nursing home or during skilled home health care. Custodial care (or activities of daily living): walking, getting in and out of bed, dressing, bathing, toileting, shopping, eating, and taking medicine More than 100 days of skilled nursing home care during a benefit period following a hospital stay. Homemaker services Private-duty nursing Dental care and dentures Health care received while traveling outside the United States Cosmetic surgery Routine foot care Routine eye care, eyeglasses (except after cataract surgery) Hearing aids Medicare supplement (or Medigap) insurance can be an affordable way to pay for the health care you need but isn’t covered by original Medicare coverage. Supplemental coverage may help limit your annual out-of-pocket medical expenses. Medicare Supplement Insurance Allows you to choose your own healthcare provider Covers up to 100% of Medicare deductibles and coinsurance Medicare Advantage Offers competitive premiums and copayments Requires you to see an in-network provider for some plans Medicare Part D Covers an extensive list of prescription drugs Includes a large and accessible pharmacy network Our experienced agents will explain the benefits and costs so you can find the right plan for you. […]

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Take control of your health care costs. Searching for health insurance can be overwhelming. If you’re managing your own health insurance, we have the flexible protection you need with a variety of plans from individual health insurance to group plans to options that let you control how much you spend. We offer: Competitive premiums A wide choice of providers Flexible co-pay options Get A Quote We can help you find just the right combination of benefits—dental, vision, life, health savings accounts—all at the lowest possible cost. Plan Options Major Medical Self-employed Short-term Our health plans can help protect you from the unexpected and provide for your everyday health care needs with: Fixed-Benefits Insurance International Health Insurance Small Business Insurance Student Health Insurance Supplemental Insurance Temporary Insurance Choosing health benefits can be a complex process, but planning well can make a big difference in coverage and overall cost. Let us help you: Customize your plan from a wide array of benefit options Control your premiums by adjusting benefit levels We represent some of the nation’s best health insurers. Talk to our insurance specialists today and get the peace of mind you deserve. Get the financial protection and peace of mind you need for your family with an individual or family major medical plan. We offer: A wide range of deductibles for medical and prescription drugs Plans with no annual or lifetime dollar limits on hospitalization, emergency care, outpatient care, prescriptions and doctor visits Freedom to choose your own doctors and hospitals, with discounts for using in-network providers Tax savings when you choose a plan with a Health Savings Account (HSA) Major medical may be right for you if you are: Self-employed Not covered by your employer Retired and not yet eligible for Medicare Unemployed and unsure when you’ll get coverage If you are now, or will become self-employed, you may need to purchase an individual health policy to protect both your family and your business assets. Most bankruptcies in this country are caused by inadequate protection against unexpected medical events. (This could be a major issue as your business equity grows and you have more to lose.) Your insurance premiums may be tax deductible. Thanks to recent changes in tax law, the self-employed can deduct the cost of their health insurance premiums from their federal taxable income. This puts the self-employed on equal footing with big business, which has long been able to count health insurance premiums as a business expense. Short-term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution if you are between jobs or waiting for other health insurance to start. Sudden illnesses and accidents can leave you with large medical bills. Protect your financial future with short-term medical insurance that can cover gaps between permanent health plans. Short-term coverage may make sense for you if you are: Between jobs Waiting for employer benefits Temporary or seasonal employment A recent graduate not covered under a parent’s plan A non-US citizen temporarily living at a US address […]

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Life insurance is a cornerstone of solid financial planning. Life moves fast and significant events like these can make it difficult to know if you and your loved ones are adequately protected: Beneficiary changes Business ownership Charitable giving Childbirth or adoption College expense Death (family member) Divorce Home purchase Increased debts Job change Marriage Retirement Get A Quote It’s important to know if your existing insurance really fits your financial needs. We offer complimentary life insurance reviews on a regular basis and recommend you evaluate and update your coverage at least once every five years. Have you experienced a life-changing event recently? Review Process Performance & Cost A thorough review may indicate your policy is performing as expected. If our review reveals underperformance, we’ll explain potential improvements and their benefits. Consider these important factors when you are evaluating whether to surrender or exchange your existing policy: Fees for contract surrender or exchange Physical examination requirement Higher premiums or disqualification for coverage (if you are not in good health) New contestability period Tax liability (please consult your tax advisor) A number of factors can affect the performance and cost of your insurance policy, including: Interest rates Under funding (or funded with a combination of term and permanent coverage) to keep costs down Longer than expected or higher than expected premiums Premiums based on old (pre-2001) mortality tables Policy end of term New riders offering more appropriate features (return of premium, guaranteed death benefit protection) […]

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The odds of you suffering a long-term disability are much greater than you think. Nearly one out of five Americans will be disabled for a year or more during their working lives. And many working Americans rely on their employer’s group disability coverage, which may not be enough. Disability insurance provides financial assistance when you’re sick or injured and unable to work. It can help pay your: Mortgage Tuition Car payments Food and clothing expenses Utilities Get A Quote By replacing a portion of your lost income, disability insurance can help you maintain your standard of living, and provide financial security for your family until you can get back on your feet and back to work. Your income is one of your most valuable assets—protect it today. Insurance Options Worker’s Compensation AD&D Please consult with one of our knowledgeable insurance specialists to ensure you choose the right coverage for you and your business. We offer: Employer-supplied disability insurance – the second largest form of disability insurance available. On-the-job injury is one of the most common causes of disability. Individual disability insurance – Insures your earned income against the risk that a disability will make working uncomfortable, painful or impossible for you. Policies cover paid sick leave, short-term and long-term disability. High-limit disability insurance – designed to keep individual disability benefits at 65% of your income regardless of income level. Key-person disability insurance – to protect your company against financial hardship that could result from the loss of an executive or key employee. The benefits can help defray costs to hire a temporary employee or a replacement. Business overhead expense disability insurance – for rent/mortgage, utilities, leasing costs, laundry/maintenance, accounting/billing and collection fees, insurance premiums, employee salaries and benefits, taxes, and other monthly expenses when an owner is disabled. If you own a small business, you need workers’ compensation coverage. Workers’ compensation offers payments to employees who are unable to work when they suffer a job-related injury. It’s more than just income insurance; it compensates for: Financial loss Medical expenses Dependents benefits resulting from a workplace fatality Find out more about workers’ compensation policies and benefits. Speak with our experienced insurance professionals today to make sure your business and your employees are protected. Increase your peace of mind with an Accidental Death and Dismemberment (AD&D) policy. Provide your family with added financial protection in the event you lose your sight, hearing, the ability to speak, limb, or life as the result of an accident. Pays a lump sum when your family needs it most (similar to life insurance) Affordable, low-cost protection No insurability requirement No benefit blackout period With AD&D as a safety net, you’ll have less to worry about if a covered accident ever occurs. Speak with one of our experienced insurance professionals to put that safety net in place. […]

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Tomorrow is on its way. Are you ready? The average life span of the first Americans was 33. Today, the average lifespan is 79½. As a result, more than half of all Americans over age 65 will need some form of long-term care services. That means 11 or more of your later years could be spent in: Adult daycare Alzheimer’s care Assisted living In-home care Hospice care Respite care Skilled nursing home care Get A Quote At an average of $73,000 annually, nursing home care can eat up an entire lifetime of savings. By supplementing these funds, long-term care insurance (LTCI) protects your nest egg and allows you to take control of your own health care decisions. Nursing Home Costs Why Buy LTCI? The current average annual cost of a private room in a skilled nursing facility (rounded to the nearest dollar) is significant. In your later years, will you and your family have this kind of money to spare? Alabama $65,578 Washington, D.C. $109,135 Florida $58,947 Georgia $61,928 Indiana $65,091 Kentucky $70,201 Maryland $92,223 North Carolina $71,540 South Carolina $45,917 Tennessee $63,631 Virginia $79,448 West Virginia $82,855 There’s no doubt that managing long-term or chronic illness will require extended care, either at home or in a skilled nursing facility. LTCI helps ensure you have the financial resources to cover the costs. Preparing now for your long-term care can do more than reduce your financial worries. With LTCI: You participate in making choices about your daily care and the services you receive You are relieved from relying on your children or family members for support You choose who will provide the care you need You help decide where you will live And, you maintain your financial freedom If you’re 55 to 60 years of age, speak with one of our insurance specialists today and get the assurance you deserve. […]

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