What is the best dental solution for your individual needs or the needs of your family? Dental expenses like x-rays, orthodontics, oral surgery, are some major considerations when shopping for a good dental program. Other factors are what company will provide you with the best rates and coverage on a dental plan, should I buy a dental discount card or a full dental insurance plan?
Individual Products
Individual Dental Insurance
Individual Disability Insurance
Why buy get disability income insurance? Because it’s impossible foresee events, and it’s critical to protect your dependents, home, goals and retirement plans if you become sick or injured and are unable to earn money. Disability insurance will enable you to pay bills without borrowing money or exhausting your rainy-day fund. Disability income insurance may even protect your ability to make retirement contributions if you become totally disabled due to sickness or injury.
Individual Life Insurance / Financial Planning
Life insurance benefits are paid income tax free and the death benefits can easily be structured to be paid free of estate taxes too. Use life insurance to create assets for your heirs and favorite charities. Pay taxes with discounted dollars. Recover losses in the stock market. Recreate your dreams that possibly never were realized for the financial future of your family. The best estate planning in not the plan that pays the least taxes, it is the plan that leaves the most money to your heirs and favorite charities.
Individual Long-Term Care
Buying Long Term Care insurance is a good way to address the rising costs of care for your employees and aging loved ones. Some policies actually cover the cost of hiring someone to help the recipient with in-home cleaning, cooking, bathing and dressing. AARP offers several tips if you’re considering long-term health care insurance.
Individual Medical Insurance
Health insurance is generally used to describe a form of insurance that pays for medical expenses.* It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government.
Individual Medicare
Medicare is health insurance offered by the federal government to people who are older than 65 and eligible. Some younger people who have disabilities, permanent kidney failure or Lou Gehrig’s disease can also qualify. Medicare helps pay for healthcare, but does not cover all medical expenses. The US Medicare system is managed by The Center for Medicare & Medicaid Services. Read these articles to determine your eligibility.
Medicare has four parts:
• Medicare Part A is the original Medicare insurance coverage and it helps pay for hospital bills.
• Medicare Part B is a supplemental insurance option for people who qualify for Medicare.
• Medicare Part C or, Medicare Advantage Plans (like HMOs and PPOs) are sometimes referred to as Medicare Part C.
• Medicare Part D is the newest addition to Medicare. Part D is prescription drug coverage. You must be enrolled in Medicare before you can apply for Part D coverage.
Individual Pension Plans
The stock market’s decline has already ravaged your 401(k) plan. Now it could hurt your pension, too,” wrote reporter Todd Wallack in The Boston Globe in March 2009. “Under a law that took effect last year, underfunded pension plans may be forced to limit lump-sum payments and suspend cost-of-living increases for retirees. In addition, some plans could be frozen, preventing current employees from earning credit for additional years on the job.”
Individual Property & Casualty
It is important to understand that Casualty Insurance is mainly used to describe the liability coverage of an individual or organization’s for negligent acts or omissions. It insures against accidents, not necessarily tied to any specific property. Crime insurance is a form of casualty insurance that covers the policyholder against losses arising from the criminal acts of third parties. For example, a company can obtain crime insurance to cover losses arising from theft or embezzlement. Political risk insurance is a form of casualty insurance that can be taken out by businesses with operations in countries in which there is a risk that revolution or other political conditions will result in a loss.