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Specialty Products Hospital Confinement CoverageDesigned to supplement your current health insurance plan, this type of insurance can fill some of the co-pays, deductibles or coverage gaps you would be responsible for should you need care. It can also provide benefits for ambulance trips, durable medical equipment, skilled nursing care and even accidental death and dismemberment coverage – all instances where your current health insurance plan may have deductibles or co-payments. Several of today’s most popular health plans have hospital co-payments that can range anywhere from $100, $200, even $300 or more a day. Needless to say, these expenses can add up quickly. For example, let’s say you need a 5 day hospital stay and your health plan has a $250 co-payment. That one hospital stay alone would cost you $1,250. With Hospital Confinement coverage, you can choose a daily benefit amount between $100 and $600 per day for up to 10 or 21 days should you be admitted to a hospital to help cover this co-payment. Best of all, benefits are paid in cash directly to you and are paid on top of any other insurance you may have. Grandparent InsuranceThis type of insurance was created as a way for grandparents to do something so special for their grandchildren – that their grandchildren would remember them – for the rest of their lives. Upon death, the named grandchildren will receive a personalized birthday greeting card and a check every year on the grandchild’s birthday - for the rest of the grandchild’s live. The funding of the gift is through a whole life insurance policy and several grandchildren can be named. Final Expense InsuranceA whole life policy designed to cover the cost of the funeral and other cost incurred at that time. Amounts for this type of insurance usually range from $2000 to $25,000 or more. Coming up with the funds to put on a funeral can be devastating to a family already dealing with the death. Funeral Homes will work with your family based on the insurance coverage. The death benefit is sent in a check to your named beneficiary. Annuities – Fixed and IndexedFixed Annuities are a retirement saving vehicle designed to provide safety during the growth period. They are also designed to provide a series of payments over a period of time – usually a person’s lifetime with the idea that you may never run out of your assets. Annuities are not right for everyone so working with someone who is interested in YOUR needs is important. To receive a quote on any of our Specialty Products, click here. |
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