Our company offers a complete line of insurance and financial products and services ranging from life and disability income to group life and health insurance. These products and services are designed to provide solutions to your personal and business financial needs, including:

• Group Health
• Health Insurance
• Life Insurance
• Long-term Care
• Long-term Disability

GROUP HEALTH

We are committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage.


HEALTH INSURANCE

Most Americans who have health insurance are covered by group insurance policies through their employers. At some of the nation's larger corporations, employees even have a choice of plans. Choices are also available to individuals who must purchase their own medical coverage.

There are no bargains in health insurance. Some areas of the country have lower premiums that others, but, proportionately to our incomes, health insurance is quite costly. With the explosive growth of Health Maintenance Organizations (HMOs) and Managed Care plans in recent years, consumers are once again focusing on what care they can obtain with a low out-of -pocket expense. For example, annual physicals are now often covered with no or a low charge.


LIFE INSURANCE

The primary purpose of life insurance is family financial protection in the event of the death of a family member. If you do not need to protect someone else, you do not need life insurance. Do not buy any life insurance policy unless you fully understand why you need it and how it works.


LONG-TERM CARE

Contrary to popular belief, there is no coverage for long stays in a nursing facility or for home health care, even if you were hospitalized before the need for such care. The only way to have insurance for long term nursing care is to buy a special LTC policy.

You must be in good health in order to qualify for the coverage. The younger you are when you buy the plan, the lower the annual cost. The best policies offer broad coverage for care both at home or in a nursing facility. An inflation rider can be added to keep the benefit in line with future charges for nursing care. Also, policies should reimburse for mental conditions, such as Alzheimer's Disease, as well as physical infirmities. A hospital stay should not be a prerequisite to collecting benefits under this policy.


LONG-TERM DISABILITY

This is one of the most important coverages you can buy. If you are not able to work because of an accident or a serious illness, how long can you afford not to have a paycheck? Financial advisors tell us to have at least three month's income available in the event of an emergency. Many of us do not. Being out of work for a two-year illness would probably wipe out most families.

A long-term disability policy replaces your net income in such an event. If you pay the premium yourself, the benefits are not taxed. If you are on a plan at work, try to arrange to have the premium deducted from your salary so that you would receive your benefits tax free.