LIFE POLICES
Term Life Policies:
Term life insurance policies are a type of life insurance coverage that provides financial protection for a specified period, or "term," typically ranging from 5 to 30 years. Unlike permanent life insurance, such as whole life or universal life, term life insurance does not accumulate cash value over time. Instead, it focuses solely on providing a death benefit to the policyhold
Whole Life Policies:
Whole life insurance is a type of permanent life insurance that provides lifelong coverage, as long as the policy premiums are paid. Unlike term life insurance, which covers a specified period, whole life insurance offers both a death benefit and a cash value component. Whole life insurance policies also accumulate cash value over time. A portion of the premium payments is all
Permanent Life Policies:
Permanent life insurance policies are a category of life insurance that provide lifelong coverage, as long as the premiums are paid. Permanent life insurance encompasses various types, including whole life insurance, universal life insurance, and variable life insurance. These policies share the common characteristic of providing coverage throughout the policyholder's lifet
Personal Health Ins.:
Personal health insurance, also known as individual health insurance, is a type of insurance coverage that provides financial protection for medical expenses and healthcare services incurred by an individual. It is designed to help individuals manage the costs associated with healthcare, including doctor visits, hospital stays, prescription medications, and other medical treat
Group Health Ins.:
Group health insurance is commonly offered by employers as part of an employee benefits package. It aims to provide healthcare coverage to a large number of individuals at a more affordable cost compared to individual health insurance plans. A key advantage of group health insurance is that it allows individuals to access healthcare services at negotiated rates, which are typical
Medicaid/Medicare Ins.:
Medicare is a federal health insurance program for individuals aged 65+, as well as some younger individuals with disabilities. Medicaid, on the other hand, is a joint federal and state program that offers healthcare coverage to low-income individuals and families. It is primarily administered by states, following broad federal guidelines. Both Medicaid and Medicare play vit