Get coverage for all your needs.
Our services
Life Insurance
Life insurance is a financial plan that pays money to chosen people when the insured person dies. It helps cover costs like funeral bills, debts, and lost income. You usually pay premiums regularly. Policies can last for a set time (term) or for life (permanent), sometimes including an investment part. Life insurance provides financial support for loved ones and aids in managing your estate.
Dental/Vision
Dental and vision benefits are key parts of healthcare coverage. Dental insurance covers routine care such as exams, cleanings, X-rays, fillings, and sometimes more extensive procedures like crowns, root canals, and orthodontics.
Vision insurance typically covers eye exams, prescription glasses, and contact lenses. Regular vision care benefits help detect and address vision problems early, contributing to overall health and well-being.
Supplemental Voluntary Benefits
Health Insurance wasn’t designed to cover everything. Protect yourself and your wallet by picking up additional coverage to fill the gaps. Tax-free benefits that go straight back into the policyholders pocket to cover the important things: mortgage, groceries, light bill, car notes, and more!
Auto/Home
Auto insurance provides financial protection for damages or injuries resulting from car accidents, theft, or vandalism.
Homeowners insurance covers damages to your home and belongings caused by perils such as fire, theft, or natural disasters, as well as liability coverage for accidents that occur on your property.
Health Insurance
Comprehensive Health Insurance for Both Individuals and Businesses
Health insurance plans vary in terms of premiums, deductibles, copayments, and coverage options, offering different levels of financial protection. Having health insurance ensures access to necessary medical care, promotes regular checkups, and can improve overall health outcomes by reducing the financial barriers to treatment.
Short Term / Long Term Disability
Short-term disability (STD) insurance provides financial support for a limited period, typically covering a portion of an employee’s income if they are temporarily unable to work due to illness, injury, or surgery. Coverage usually begins after a short waiting period and lasts from a few weeks up to 24 months, depending on the policy.
Long-term disability (LTD) insurance offers extended income replacement for employees who experience a prolonged inability to work, often starting after short-term disability benefits end. LTD can provide coverage for several years or until retirement age, depending on the terms. Both types of disability insurance aim to protect individuals from loss of income while recovering or managing serious health conditions.
Medicare
Medicare is a federal health insurance program primarily designed for individuals aged 65 and older, though it also covers certain younger people with disabilities and individuals with End-Stage Renal Disease (ESRD).
Enrollment in Medicare generally begins three months before an individual turns 65 and lasts for seven months. Late enrollment may result in penalties unless certain conditions are met.
Commercial/Business Related
Commercial insurance provides businesses with financial protection against potential risks such as property damage, liability claims, and employee-related issues. It covers a wide range of policies including general liability, property insurance, workers' compensation, and business interruption. Having the right commercial insurance helps safeguard a company’s assets, ensures compliance with legal requirements, and supports long-term stability by mitigating unforeseen losses.