Life insurance is a legally binding contract between you and your insurance company. In exchange for monthly or annual premiums, your insurance company gives your designated beneficiaries a lump-sum payment, also known as a death benefit, upon your passing.

Short-Term Home Health Care Insurance will pay a daily benefit for each day you receive a variety home health care services. Daily benefit amounts vary by plan selected (maximum benefit period is 360 days). To qualify for benefits, a Licensed Health Care Practitioner must certify you as having a Cognitive Impairment or the inability to perform at least two of six Activities of Daily Living without substantial assistance.

53% of the costs associated with cancer are non-medical, indirect costs. Cash benefits from your policy can be used to help supplement lost income for you and your spouse, to pay for car and mortgage expenses and travel to and from medical facilities. It will also allow you to seek treatment that is out of network or not covered without worrying about costs.

Unexpected medical costs can add up – even if you have health insurance. Hospital Indemnity coverage is an affordable way to help protect your savings from all the costs of deductibles, co-pays and additional expenses not covered by your major health insurance plan. Benefits are paid directly to you so you can use the funds any way you choose.

SBSA 24-Hour Accident Coverage pays benefits directly to you, regardless of which doctor, emergency room, clinic or hospital you go to after an accident. There are multiple option plans for people between the ages of 18 and 69. Accidents can happen when you or one of your family members least expect it. With  24-Hour Accident Insurance, you’ll have peace of mind knowing you’re covered.

Medicare is a government program that contracts with private health companies.  As an appointed agency, we can enroll you into the plan that most fits your unique situation. We even review the drug formulary with each of your medications to make sure they are covered. You'll walk away feeling educated and confident about your coverage. 

Travel medical insurance is a type of insurance coverage designed to protect individuals, families and groups against unforeseen medical expenses while traveling internationally. It typically covers emergency medical treatment, hospital stays, and medical evacuation, providing peace of mind and financial security in case of illness or injury abroad.