Calculate your life insurance needs

Life Insurance

Before deciding whether to buy term or permanent life insurance, consider policy cost and potential savings that may be available. Also keep in mind that your insurance needs will likely change as your family, job, health, and financial picture changes, so you'll want to build some flexibility into the decision-making process.

Calculate your final expense needs

Final Expense Insurance

A Final Expense Whole Life policy is generally easy to apply for and some insurance companies won't require that you complete a medical exam. Keep in mind, in lieu of a medical exam, the application will include questions regarding your health.

Who should consider burial insurance?
* You have no other life insuance
* You have health conditions that disallow a fully underwritten plan
* You have been declined for health conditions
* You have limited savings with no other means to pay for your funeral expenses and outstanding debts

Calculate your medicare supplement needs

Medicare

A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance and deductibles...then your Medigap policy pays it's share. A Medigap policy is different from a Medicare Advantage plan.

Calculate your disability insurance needs

Disability Insurance

Individual Disability insurance provides benefits that replace part of your lost income when you become unable to work due to illness or injury. Unlike workers compensation, disability income insurance supplements your income even in cases where the illness or injury is not job-related.

Calculate your critical illness cover

Critical Illness Insurance

A major illness has a debilitating effect on the patient's life, translates to huge medical costs and leaves families struggling to meet daily expenses. Critical Illness insurance is a product where the insurance carrier pay a lump sum to the policyholder when a serious illness is diagnosed.