Term Life

Would your death leave a spouse, partner or children financially stranded? If someone you love depends on your salary or income, having Life Insurance can ease your mind and keep them protected. You should consider purchasing Life Insurance if you are:

  • Married with children
  • Single but caring for an aging or elderly parent
  • Have a mortgage
  • Own a business and have partners
  • Ready to leave a legacy or provide for a charity

Term Life insurance is a death benefit, generally used to cover a family’s financial responsibilities like college tuition, funerals and mortgages. Term Life insurance is income replacement. It can replace the salary of the primary bread winner when a family has young children who rely on their parent’s income.

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Hospital Confinement

Hospital Confinement Insurance provides additional financial coverage to lessen what you pay out of your own pocket. And with the payments you receive from your coverage, you can use that money for what you need, when you need it most.

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Accident insurance pays for losses and treatments such as:

  • Accidental death and/or dismemberment
  • Emergency room treatments
  • Major diagnostic exams
  • Medical appliances
  • Losses related to burns
  • Tendon/ligament injuries
  • Joint dislocation and fractures
  • Physical therapy
  • Hospital admissions
  • Transportation and family lodging in the event of emergencies
  • Various specified losses, such as burns, dislocations, fractures, lacerations, concussions, etc.

This policy also contains a wellness benefit which pays $60 for a covered person to undergo one of the many common wellness exams, such as a mammogram or colonoscopy.

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Critical Illness

  • Cancer (if “with cancer” option is selected)
  • Heart Attack
  • Stroke
  • End Stage Renal Disease
  • Amyotrophic Lateral Sclerosis (Lou Gehrig’s Disease)
  • Quadriplegia
  • Major Organ Transplant Surgery
  • Coronary Artery Bypass Surgery
  • Balloon Angioplasty, Stent or Laser Relief Procedure
  • Carcinoma in Situ

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