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Individual Plans Home | Life Insurance | Permanent Life | Term Life | Disability | Types of Disability | Long Term Care | What is LTC Insurance | Medicare Supplements
Individual Plans
Questions about Life Insurance
Life Insurance - What are the different types of permanent policies?
Term Life Insurance
What is an Annuity?
Types of Annuities - Fixed vs. Variable
Disability Income
What are the Types of Disability Insurance?
How can I Purchase Disability Insurance?
Long Term Care Insurance
What is long term care?
What features of long term care policies should I focus on?
Buying & Saving Money on Long Term Care Insurance
Medicare Supplements
Executive & Owners
Life and Health Insurance Foundation for Education calculators:
Life Insurance Needs Calculator
Disability Insurance Needs Calculator
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Insurance Calculators – For Information Purposes Only
Individual Insurance Plans
are those that are designed to protect the needs of individuals, it is important to examine all aspects of a person’s life. Some of these important areas include:
- Providing a means to pay for a child’s education by starting a college fund
- Covering the loss of income due to either a long or short term disability
- Assuring there is enough money to replace the income from a death of a loved one
- Providing a means to pay for long term care or nursing home expenses
- Insuring the medical costs not covered by Medicare
- Protecting assets from the rising cost of inflation assuring enough funds for retirement
The products used to fund these plans may include the following:
Life Insurance (Whole Life, Universal Life, Variable Life, Term Life, Single Premium)
Disability Income Insurance (Long Term Disability and Short Term Disability)
Long Term Care insurance (May Include Coverage for Nursing Homes & Home Care)
Fixed and Tax Deferred Annuities (Immediate, Deferred, Fixed, and Variable)
Medicare Supplements and Medigap Policies (Also Including Medicare Advantage Plans)
Some of the
Carriers We Represent
Metropolitan Life
ING -
Hartford Life
Prudential Life
John Hancock Life
Mass Mutual Life
Guardian Life
Aviva Life
Union Central Life
William Penn Life
Genworth Life, etc.
Competitive Quotes Competitive Commissions
Individual Plans -
Insurance & Benefits Articles
Disability
Protect your income even when you are not working
Why an Individual Disability Insurance Policy Is Better Than Group LTD
Life Insurance
How Should I choose what type of life insurance to buy?
How much life insurance do I need?