Products

Health Insurance:
HMO: Health Maintenance Organization

• Low-cost Co-pay at the time of service
• Primary Care Physician (PCP) directs all care
• Referrals to specialists not required. 
• Required to stay in Network, to maintain low cost
• Excellent plan for an individual seeking routine care, medical needs not requiring out of network specialist
• Wellness, preventative care, emergency room, admissions, diagnostics, (lab & x-ray), and
  prescription care
  

POS: Point of Service

• Available in the entire Southeast Region
• Is similar to an HMO, but allows the ability to seek care outside the network and still receive great benefits
• Easy co-payments at the time of visit
• Referrals to specialists not required. 
• Minimal out-of-pocket expense
• Wellness, preventative care, emergency room, admissions, diagnostics,(lab & x-ray), and
  prescription care

PPO: Preferred Provider Organization

• Choose your own annual deductible (ranging from $100 - $10,000)
• Low Co-pay
• Allows for excellent flexibility of seeking healthcare providers out of network.
• out-of-network benefits are available
• HSA's - Health Savings Accounts are available for individual & group insurance plans

Life Insurance:
Life Insurance provides a means of financial protection to your family and/or friends at your death. It is important to consider several financial facts that will impact the survivors.

• Does your spouse or significant other have adequate continuing income?
• Are there education funds for dependent children?
• Do you have funds for last illness and funeral/burial expenses?
• The possibility of state and federal taxes on the estate.

There are several options to choose from when purchasing a life insurance policy.

Whole Life Insurance: Permanent Insurance

• Face Amount/Death Benefits remains constant for the duration of the policy life.
• Premiums remain the same for the duration of the policy life. There are different methods of payments which allow for financial flexibility to suit your needs.
• Cash Value. The policy accumulates cash value. The insured can surrender the policy at any time for the cash value or borrow from the policy.

Term Life Insurance: Specified Period of Time

• Inexpensive way of providing the maximum coverage for your survivors
• Premiums remain the same for the length of the policy
• The policy may be written from 5-30 years in duration.

Universal Life Insurance:

• Allows the insured to choose the amount of coverage needed at an affordable premium.
• With the possibility of changes to the coverage need, one has the flexibility to change the premium payments and benefits.