LIFE INSURANCE OPTIONS:

 

We know you can’t put a dollar amount on your family, but you can ensure their future is protected. And although costs are a real concern when you consider your health and life insurance, it never costs as much as you think especially if your family ever has to use it. Call the experts at Untouchable Insurance for genuine advice.

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Why You Should Have Health & Life Insurance

It happens more often than you think…
After running multiple tests, doctors conclude you have an incurable medical condition that may affect and shorten your remaining lifespan. A million thoughts race through your head. You’re unsure what to do or who to call. Your first priority is your family and who will look after their well-being when you’re gone. 

Or will you be thinking instead of how you will choose to spend whatever time you have left with them—secure in the fact you have a precisely calculated policy to cover your debt, funeral costs, and a legacy for your family?

There’s no way we can convince you of the peace of mind you can experience just knowing your family will be cared for if they lose you. Call Safe Insurance Group today so that we can help you find the right policy for you and your family.

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Types of Health & Life Insurance Policies

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Here at Untouchable Insurance, we recognize that everyone’s situation is unique, and therefore offer different types of policies that fall into either of 2 broad categories.

Term life insurance provides a death benefit for a set period of time, typically between five and 20 years. This is straightforward insurance and what most people start out with. Certain term life policies can be converted to a permanent policy at a future point, which is a useful benefit if your life changes and you need additional protection.

Whole, universal, and variable universal life all provide protection for the long-term.  In fact, whole life even provides permanent coverage.  Some policies have more guarantees than others, and some give you the opportunity to grow your policy's cash value.

One of our helpful agents can help you learn more about purchasing a health and life insurance policy, giving you the peace of mind of knowing that when you leave this world your family won’t be burdened with your financial hardships and that they will be able to maintain their current standard of living.

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HEALTH INSURANCE OPTIONS:

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The Affordable Care Act (ACA)  also called Obamacare: provides individuals and families greater access to affordable health insurance options including medical, dental, vision, and other types of health insurance that may not otherwise be available. Under the ACA:

• You may be able to purchase health care coverage through a state or federal marketplace that offers a choice of plans.

• Insurers can't refuse coverage based on gender or a pre-existing condition.

• There are no lifetime or annual limits on coverage.

• Young adults can stay on their family’s insurance plan until age 26.

• Seniors who hit the Medicare Prescription Drug Plan coverage gap or "donut hole" can get a discount on medications.

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If you don't qualify for ACA , you always can buy a private Health Insurance, contact us to evaluate your options.

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Each insurance brand may offer one or more of these four common types of plans:

• Health maintenance organizations (HMOs)

• Preferred provider organizations (PPOs)

• Exclusive provider organizations (EPOs)

• Point-of-service (POS) plans.

• High-deductible health plans (HDHPs), which may be linked to health savings accounts (HSAs)

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Elderly Care Insurance: This insurance is aimed to help you pay your expenses on the last years of your life like Home Elderly Care, Elderly Care Institution, etc.