Dental Insurance
Dental insurance helps to cover the cost of dental care and reduces the financial burden of paying for treatment out-of-pocket. Because dental insurance focuses on prevention, services such as routine cleanings are typically covered by the insurance carrier. When choosing a dental care plan, it’s important to consider factors such as premium amounts, deductibles, and the copays for each service. It is also important to review the plan’s coverage limitations and exclusions to understand what may or not be covered by the insurance plan.
Insurance Products
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Whole Life Insurance
A whole life insurance policy, also known as a traditional life policy provides permanent protection with a cash value component that the policyholder can draw or borrow against.
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Term Life Insurance
A term life insurance policy provides the policyholder affordable protections for a temporary period of time. Term policies do not have value beyond the guaranteed death benefits.
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(ROP) Term Life
Return of Premium (ROP) term life insurance provides a refund of the premium amount to the policyholder if he or she outlives the policy period. Refunded premiums are not taxable.
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Health Insurance
A health insurance policy is an invaluable way to ensure that your medical and other health-related expenses are covered partially or in full depending on the plan you choose.
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Cancer Insurance
Cancer insurance is a supplemental insurance that pays a lump sum if the policyholder is diagnosed with cancer. Treatments and procedures vary for each individual.
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Final Expense Insurance
With the average cost of funerals ranging upwards of $10,000, it’s crucial to protect your loved ones. A final expense insurance policy covers the end of life, medical, and legal expenses.
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Accidental Death Insurance
Accidental Death Insurance offers a tax-free cash benefit in the event of a covered accident. You can’t predict the future but you can protect your family’s financial security.
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Indexed Universal Life Insurance
Indexed universal life insurance is a type of permanent life insurance that provides coverage for the entirety of the policyholder’s life. With an IUL, the cash value growth is tied to a stock market index.
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Medicare Supplement Insurance
Medicare supplement insurance gives you the freedom to choose your own doctors and hospitals. This type of plan is additional coverage designed to cover some out-of-pocket expenses that Original Medicare will not cover.
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Gerber Life College Plan
The Gerber Life insurance college plan is a unique savings plan designed to help families save for their children's future college expenses while also providing life insurance coverage.
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Long Term Care Insurance
Long term care insurance provides coverage for the cost associated with long term care which is typically needed when an individual becomes unable to perform certain activities of daily living such as bathing, dressing, and eating due to an illness, disability, or aging.
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