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Life Insurance Application (This is the complete term life insurance application).
News, "to know?"
When families make the decision to purchase life insurance, they are often in the process of experiencing a major life-altering event such as getting married, starting a family, or purchasing a home. In fact, there are many good reasons for purchasing a life insurance policy. And most of us, at some point in our lives, will realize that owning life insurance is very important to ensure our sense of security.
Can you even imagine the anxiety of driving on the freeway without auto insurance? All of us know that at some point an accident is almost inevitable. But if you are insured, your car will be repaired, and your medical bills will get paid. Life Insurance works the same way. It ensures that your family will not suffer the consequences of living without your earnings.
Life & Health Insurance plans for Personal, Family & Group Insurance plans
We are Life & Health Insurance Agents. We are independent, meaning, we represent multiple insurance carriers (companies). We help each client (personal, family or groups) find the best insurance carrier based on your situation. Everyone has a different need.
Insurance Carriers (companies) we represent
We provide the following Insurance products:
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- Whole life insurance | Universal life insurance | Term Life Insurance | Key Man Life Insurance | Life Insurance Riders
- (Family Policies, ChildrenPolicies, Group Policies, Key Man Policies, Professional Atheletes)
- Impaired Risk underwriting, for people that have medical challenges or something that comes with life (we have special life insurance products available - this is only a partial list, there are other impaired medical conditions we can underwrite for):
The types of Health & Medical Insurance we provide:
- Health Insurance: (Personal / Individual & Group Health Insurance)
- Major Medical
- Temporary (Short Term) Health Insurance Plans
- Catastrophic Health Insurance plans
- Critical Care plans
- Accident Plans
- ICU Plans
- Dental / Vision Plans
- Medicare Supplimental Policies
We offer both individual & group disability insurance plans.
Availalble plan types:
- Accident / Injury plan
- Hospital Protection Plan (Sickness & Hospitalization)
- Hospital Intensive Care Unit (ICU) Plan
- Cancer Specified Disease
- Specified Disease: Addison's disease, ALS or Lou Gehrig's disease, Botulism, Bubonic plague, Cerebral palsy, Cholera, Cystic fibrosis, Diphtheria, Encephalitis (contracted from West Nile Virus), Huntington's chorea, Malaria, Meningitis (bacterial), Multiple Sclerosis (M.S.).
- Critical Care: Heart Attache, Sudden Cardiac Arrest, Coronarry Bypass, Stroke, End Stage Renal Failure (Kidneys), Major Human Organ Transplant, Major 3rd Degree Burns, Coma, Persistent Vegative State, Paralysis, Coronary Bypass Surgery
- Dental plans
- Short Term Disability
We are Aflac Insurance Agents. We know from our personal use and from others that this is a definate must have insurance product.
- Medicare Advantage
- Medicare
Initial Enrollment (Automatic Enrollment)
If you are just turning 65, you have a 6 month window of time to enroll in a Medicare Suppliment plan. 3 months prior to turning age 65 & 3 months after turning age 65 to enroll in a medicare Suppliment plan.
Open Enrollment for Medicare Supp Plans
If you are an existing Medicare enrollee (patient), you can only change your Medicare Suppliment plan during a small window of time each year, “Open Enrollment”.
Open Enrollment is usually October through December (and only certain dates of October & up until a certain day in December). If you are one day late past the cut off date in December, then you are out until next years open enrollment period.
- Diplomat Life Insurance Plans
- Doctors / Physician's Edge 365, Disability Insurance
- Entertainment Industry, Headliner Act, High Limit Headliner Coverage
- High Limit Accident, Disability, Life Insurance Coverage
- High Limite Athlete Coverage & Disability
- High Limit Income Disability Coverage
- High Limit Key Person Disability Insurance
(Pre-Planning of your funeral to take both the financial & the emotional weight off your loved ones shoulders when death occurs.)
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