- Life InsuranceTerm or temporary life insurance is designed to satisfy a need for life insurance that will not always exist. Some people take the money they save on lower premiums of term insurance and invest it figuring that once they have saved enough they will no longer need life insurance. Term insurance has no cash value ever and cannot be cashed in or have a loan against it. Most term insurance has a face value that does not change during the term. Typical terms are 1, 5, 10, 15, 20, and 30 years. Some of the longer terms only guarantee the rate for 10 years and then the rate will vary depending on how much insurance costs in the future. Most term is renewable beyond the term period, but gets very expense after the term period. Term insurance is the least expensive type of life insurance.
- Health InsuranceTemporary or “Short-Term” health insurance coverage lasts from 30 days to twelve months. The total length of coverage cannot exceed twelve months with a single carrier. To get additional coverage you have to switch carriers or have a six-month gap between policies.
- Disability InsuranceDisability Insurance is designed to replace part of your income if you are injured and cannot work. Disability plans usually pay around 50% to 60% of your income and an additional small amount maybe picked up by Social Security Disability. Disability policies usually have a choice of elimination periods, which is the length of time you have to be disabled before your benefits begin. The longer your elimination period the less your policy will cost. Typical periods are 30, 60, 90, or 180 days. You will also have a choice about the benefit period you select. This is the time the policy will pay if you are disabled. Typical periods are 1, 2, 5 and to age 65. Obviously at 65 full Social Security is designed to kick in. If you want more information or a quote on disability please fill in the extra section for disability on the information form.
- Long Term CareLong-term care insurance is designed to take care of you in your senior years should you become injured or ill and need to be placed in some type of senior residence. Medicare will not pay for these services and the state will usually not cover the expenses unless you have used up your savings.
- Dental InsuranceAffordable Low Cost Dental Insurance Coverage and Plans for Individuals, Families, and Groups. Delta Dental, Standard Life, Madison Dental, Davis Dental, Careington, and VSP Vision Plans.
- Vision InsuranceArch Apple Financial Services | Individual & Family Health Plans, Affordable Care California, Group Medical Insurance, California Health Insurance Exchange Marketplace, Medicare Supplements, HMO & PPO Health Care Plans, Long Term Care & Disability Insurance, Life Insurance, Dental Insurance, Vision Insurance, Employee Benefits, Affordable Care Act Assistance, Health Benefits Exchange, Buy Health Insurance, Health Care Reform Plans, Insurance Agency, Westminster, Costa Mesa, Huntington Beach, Fountain Valley, Irvine, Santa Ana, Tustin, Aliso Viejo, Laguna Hills, Laguna Beach, Laguna Woods, Long Beach, Orange, Tustin Foothills, Seal Beach, Anaheim, Newport Beach, Yorba Linda, Placentia, Brea, La Habra, Orange County CA
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