Individual and Family Health Insurance
There hasn’t been a more talked about type of insurance in the last 50 years. This is what the Affordable Care Act or “Obamacare’s” newly created marketplace is all about. (They use to call them exchanges). You will primarily consider this if you are self-employed, work for a company that doesn’t offer health insurance or run a small company that isn’t big enough for a traditional group plan.
These plans will cover services like:
- Doctors office visits
- Emergency Procedures
- Prescription Medication
- X-Rays
- MRI’s CT Scans
They will, for the most part, work very similar to what you may have experienced if/when you had coverage through a job. The only difference is individual policies tend to make you pay for a little more upfront than those traditional group plans.
Don't panic, you will gladly make that trade when you see how much that "good insurance" costs to buy on your own.
Group Health Insurance
If you are running your own company, you probably hold a special place in your heart for your company’s health insurance plan.
That place might be surrounded by a ring of fire and infested with rabid dogs, but it’s special nonetheless.
We know that this is probably your company’s second largest expense, behind only your payroll. That’s why you are going to want to do everything you can to make sure you're delivering your employees benefits that will handle their needs and keep your doors open.
We can help you understand the different
- Self-Funded
- Voluntary Benefits
- Individual Benefits
- Traditional Employee Benefits
Term Life Insurance
If I told you there was something that could take care of your family, as long as they needed, if you were unfortunately unable to be there. Would you be interested? That’s what term life insurance is and does. If you are buying it at the right age and time, it will be one of the cheapest safety nets you will ever be able to provide your family with. If you’re reading this section and thinking to yourself, “I don’t need that, I have some life insurance through work.”
That's the first sign you need a term life insurance policy. If you don’t believe us, find out how much that policy through work is for (probably no more than $100,000). Now add up how much extra money your spouse would need to come up with each year to keep your family in your home?
They don’t add up for very long, do they?
Home Insurance
It’s pretty hard to mess up insuring your home, although it can be done. It is however the largest financial commitment you will make in your life, unless you're Lebron James and you could have a shoe collection that costs as much as at least one of your houses.
But I doubt that’s a problem you have, right? You want to make sure that not just the walls (and roof) of your house are protected, but everything inside it that makes it your home. Let’s face it, no single insurance company can claim to have the best life-time solution for you.
We've got plenty of options to help you continue to find that best solution.
Auto Insurance
This falls under the “you better have it or you're not legal to drive” category.
But obviously we don’t like setting the bar that low for anything we do around here and want to make sure you know just how bad it can get if you and your car have a bad day on the road.
While you're used to hearing 15 minutes could save you 15 percent or customers who switched to... Saved and average of...
Yes that can happen, but most of the time you wont save enough money to take your significant other out for a half way decent night on the town.
But when it does come time to make a switch, we'll be ready with a healthy list of options.
Retirement Planning*
Because we all grew up in an insurance family, we can be a little intense about our feelings towards protecting the things most important in your life. Not properly planning for the day when you can officially take it easy is something that really gets us going.
We want to help you prepare for when you dial back your regular 9-5 job, but also want to be there to help you discover ways to continue to create income throughout your golden years.
Here's a few of the retirement things we can help you make sense of:
- Annuities
- 401K Rollovers
- IRA
- Trusts
- Investments
Creating a retirement experience you deserve isn’t easy, but if you know when and how to start, things will be A LOT more enjoyable when you get there.
*Securities and advisory services are offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.