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Health Insurance      

What is Health Insurance coverage?

Health insurance is a type of insurance coverage that pays for medical and surgical expenses experienced by the Named Insured. Health insurance can reimburse the insured for expenses incurred from illness, injury, or pay the care provider directly. The cost of health insurance premiums is deductible to the payer, and benefits received are tax-free.

Auto Insurance

Motorcycle, Boat, Recreational Vehicle. Vehicle Coverage

Insurance for Automobiles are comprised of several types of Coverage: Liability, Uninsured Motorist, Medical Payment, Comprehensive or (OTC), Collision, Rental and Emergency Service ie. Towing, Lockout, Breakdown and Gap Ins.

Medicare Supplement Insurance

What's Medicare Supplement Insurance (Medicap)?

A Medicare Supplement Insurance (Medicap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. Some Medicap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S.

Retirement Planning

Why Retirement Planning 

A retirement plan is a financial arrangement designed to replace employment income upon retirement. These plans may be set up by employers, insurance companies, trade unions, the government, or other institutions. First, it is important to understand why retirement is important.

Home and Renter Insurance

Types of Insurance Coverage: (Home, Renter, Condo & Townhouse)

Replacement cost coverage (RC) which pays the cost of repairing or replacing property regardless of depreciation or appreciation. Premiums for this type of coverage are based on replacement cost values, and not based on actual cash value(ACV). Actual cash value coverage provides for replacement cost minus depreciation. Extended replacement cost will pay over the coverage limit if the costs for construction have increased.

Business Insurance

Types of Insurance for Businesses

Insurance coverage that protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks. Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates.

Group insurance

Group Insurance Covers a Defined Group of People 

Group coverage can help reduce the problem of adverse selection by creating a pool of people eligible to purchase insurance who belong to the group for reasons other than the wish to buy insurance, which might be because they are a worse than average risk.

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