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Products & Services

Life

 

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Term Life Insurance

Term Insurance provides protection for a limited period of time. A plan may provide coverage for 10, 15, 20, or 30 years, and pays a benefit if the insured dies during this period. Although term policies typically do not accumulate cash value, many do offer a feature that allows you to convert to a permanent policy within a certain time, (e.g., after 5 years of coverage). This can be beneficial if you’d like to buy a permanent policy but your budget right now does not allow it, or you like having the option to convert to a permanent policy later on.

The companies we represent not only are among the industry’s most financially stable but also offer an array of policies that provide us the ability to offer great rates for those with or without significant pre-existing health conditions. Most tobacco users can even qualify for preferred rates!

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Universal Life Insurance

Universal life insurance can help meet the needs of people who desire long-term death benefit protection with a flexible premium structure.  Features include:

• Protection you can guarantee for your short periods based on premiums paid, your lifetime or any period you choose

• Choices in how and when you make your premium payments and how much to pay

• Two or three death benefit options for additional flexibility

• Potential for non-guaranteed tax-deferred cash value accumulation

Please keep in mind that these products, and all of their features, benefits and riders, may not be available for sale in your state. Please contact us for more information about these and other products.

Commercial Auto

 

Every business has unique needs for their business auto insurance. As such, we work with a variety of companies to meet those needs.

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We offer commercial auto insurance for many different types of vehicles, including the following:

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  • Agricultural truck

  • Box or straight truck

  • Bucket truck

  • Bus

  • Car

  • Car carrier

  • Cargo Van

  • Catering truck

  • Cement mixer

  • Delivery van

  • Dump truck

  • Flatbed truck

  • Front loader*

  • Garbage truck*

  • Hearse

  • Ice cream truck

  • Limousine

  • Mini van

  • Motor home

  • Passenger van

  • Pickup

  • Pickup with fifth wheel

  • Pump truck

  • Refrigerated truck

  • Roll-on vehicle*

  • Sport utility vehicle

  • Stake body truck

  • Street Sweeper

  • Step van

  • Tank truck

  • Tow truck

  • Truck tractor

  • Wheelchair bus

  • Wheelchair van

Health, Dental & Vision

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Individual Health

Individual and family health insurance plans provide long-term protection and comprehensive medical coverage for you and your family. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.

​Group Health

We provide insurance to members of formal groups, such as employees of a firm, or members of an association. Because every group is different, the Health Insurance Agency takes the time to evaluate all of your needs, and identify the very best plan for your group. We are experts at helping you find the optimum balance of plan benefits and premiums that will fit your budget, and those of your employees as well.

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Dental & Vision

Dental and vision insurance is meant to help cover some of the costs associated with routine care, including regular checkups and preventive services. Restorative dental procedures such as dental implants and crowns can be quite expensive. With Dental insurance you can be sure that the cost of all those services will be lessened with the help of the insurance company. Also, new glasses won't have to wait until your vision deteriorates more.

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Business Liability

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With every business comes major liability. You’re accountable for so many things — each employee, your products, every agreement, even customers. Small business liability insurance is important to protect your business from financial hardship.

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Every business needs to protect themselves from accidents or injuries that may occur on their business grounds. General Liability insurance coverage can protect your business from these unexpected expenses.

There are many different plans and options when choosing a general liability plan, and our experienced agents can assist you in finding the right plan at the right budget. If you have the right liability insurance plan in place, you can be protected if you face a lawsuit.

Certain businesses face more risk of accidents or injuries, so doing an analysis of your business can help in finding the best general liability plan that fits your needs.

General Liability insurance, along with your property and worker's comp policies, protects your business if you're sued for personal injury or property damage. A typical policy will cover those accidents or damages that occur on-site or as a result of using goods or services sold by the company. In addition, coverage's can be designed to cover additional costs like attorney fees or court costs.

Our agents can assist you in considering all aspects of your general liability insurance package to give you the most appropriate policy available.

Auto & Home

 

Auto Insurance is required to prevent additional costs if you are at fault or if the other party is unable to pay for your damage.

The Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage.

Make sure you understand what these terms mean and how much coverage is right for you.

  • Standard and Preferred auto Insurance

  • High Risk auto Insurance

  • Classic autos / High Valued autos

  • Special program for Mature/Elderly Drivers

  • Discounts that are available

  • Recreational vehicles / Boats

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Homeowners or Property Insurance

The coverage you have depends upon the type of policy you have. Unlike auto insurance, where the policies are pretty much the same, homeowners policies can be quite different, depending on the "form" number. The most common types of homeowner policies are:

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  1. HO1 Basic or Standard policy

  2. HO2 Broad form

  3. HO3 Special (also called Deluxe, All Risk)

  4. HO4 Renters policy

  5. HO5 Enhanced Special Coverage

  6. HO6 Condo policy

  7. HO8 Older Home Policy

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Travel Health

 

Travel medical and international health insurance plans all share the same important, high-quality features:

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  • Richer Benefits - emergency, routine treatment, terrorism, pre-existing conditions and more

  • Global Access - access to contracted elite doctors and hospitals around the globe

  • Unrivaled Protection - U.S. approved "A rated" insurance, offering peace of mind

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Severe illness or injury abroad may result in a financial burden during a trip abroad. Travelers can reduce the cost of a medical emergency by considering the purchase of travel health insurance. This insurance can be purchased before a trip to provide coverage in the event of an illness or injury and may be of particular importance to travelers with chronic medical conditions.

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Some plans include travel insurance within the plan. Travel insurance protects the financial investment in a trip, including lost baggage and trip cancellation. Travelers may be more likely to avoid travel when sick if they know their financial investment in the trip is protected.

 

A discussion of insurance options is an important part of any pre-travel consultation. In addition to covering costs of treatment or medical evacuation, the travel health insurer can also assist in organizing and coordinating care and keeping relatives informed. This is especially important when the traveler is severely ill or injured and requires medical evacuation. Although all travelers should consider insurance, it is particularly important for travelers who plan extended travel outside the United States, have underlying health conditions, or plan to participate in high-risk activities on their trip, especially if the destination is remote or lacks high-quality medical facilities.

 

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© 2016 by L.A. Broker, Inc.

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