Individual Products

Individual Insurance Solutions

Whether you are married or single, have children or not, one thing remains a priority on our minds; that is making sure our family is taken care of and our last wishes are carried out upon our death.  It’s not something pleasant to think about so our approach is set it up right and visit it only if things change.

Most businesses provide insurance options for their employees, but those options usually terminate upon being upon termination of your position, which includes retiring.  If you do get to keep the insurance (being portable), you will find that premiums go up and benefits decrease.  Life insurance offered through your employer is always term, which means at a certain age or after a certain amount of years those plans terminate.  That’s why many people tend to get themselves some coverage on the individual basis as well.

Let’s discuss some of the biggest differences between group and individual options, and lets talk about some products you can get on the individual market.  We believe having the proper knowledge of what your options are will help you protect your family and interests to the best of your ability.

Individual Products/Solutions

Life Insurance

We offer two kinds of life insurance, whole life and term life.  Whole Life is guaranteed till age 100 as long as the premium is paid and it gains cash value which can be borrowed against and can be surrendered for the current cash value.  Term life is life insurance which has term limits on coverage example 30 years.  It does not have cash value but compliments whole policies for more coverage for less money.

Disability Insurance

We are human and therefore prone to accidents as well as suffering from major health issues like Parkinson’s Disease.  These things can happen to anyone at any age it does not discriminate.  If something was to happen during your working years, it would have a profound impact on your income.  If you are injured and can’t work for 2 years or longer due to these injuries, Disability Insurance will help you stay on your feet and replace the necessary income while you can’t work.

Income Replacement

Don’t get disability insurance and income replacement mixed up, even though they are very similar.  This type of insurance aims to replace a portion of your income if you’re unable to work due to illness, injury, or disability. It’s designed to maintain your financial stability by providing a regular income when you can’t earn your normal wages.  There are usually time limits on benefits, and most of the time the individual can return to work after a long recovery process.  It helps you recover between 50 and 75% of your monthly income.

Long Term Care

We always hope that we can live the remainder of our lives with our family in our homes but depending on certain illnesses and the care it takes to maintain your life it may be necessary to go into a long term care facility someday.  This insurance helps you cover costs associated with long term care facilities that aren’t covered by one’s health insurance policy.

Final Expense

Sometimes we lose our insurance and the ability to obtain life insurance at your current age or health status makes it impossible.  Final expense insurance allows anyone over the age of 45 to get up to 100,000.00 in benefits to help pay for your funeral and any expenses you may have outstanding.

Critical Illness Insurance

Critical Illness insurance provides a lump sum cash benefit upon the diagnosis of a covered critical illness. This money can be used at the discretion of the insured for any purpose, often to help cover expenses not fully covered by traditional health insurance, such as out-of-pocket costs, deductibles, living expenses, or even to replace lost income.

Cancer Insurance

Cancer Insurance is a specialized type of health insurance policy designed to provide financial support specifically for the costs associated with cancer treatment and related expenses. It  aims to alleviate the financial burden of cancer by providing cash benefits that can be used for out-of-pocket expenses not covered by primary health insurance, such as deductibles, copayments, transportation, and even living expenses during treatment.  Benefits can be received in a variety of payment options.

Mortgage Insurance

Looking to protect your home and your family’s financial future?  Consider Mortgage Protection Insurance.  This valuable insurance product helps safeguard your home and your loved ones in the event that something unexpected happens.  With Mortgage Protection Insurance, you can rest easy knowing that your mortgage payments will be covered in the event of a job loss, disability or death.  Don’t let unexpected events put your home and your family’s financial security at risk.  Protect what matters most!

Undoubtedly our freedom is probably the most important part of lives as Americans.  Our identity as an individual to live free is the second most important thing we people are granted at birth.  So what if those become compromised?  Unfortunately this happens everyday.  People find themselves on the wrong side of the law or they find themselves victims of identity theft that can financially ruin anyone.  What do you do?  Lawyers are expensive, even for consulting it can be a few hundred dollars.  That’s where LegalShield and IDShield comes in.

LegalShield puts a lawyer in the palm of your hand 24/7 who can help with criminal issues or if you just need someone to review a contract.  You can create a will for $50.00 and/or a trust for $250.00.  That will give all of us a peace of mind and the price is AFFORDABLE at less than $50.00/mo.

IDShield is becoming even more important as we go digital and rely on computers for shopping, banking and more.  If your identity is stolen even once, you can lose thousands from your credit cards and bank accounts.  Hiring someone to get your identity back can cost just as much.  IDShield allows the subscriber to protect their e mail, bank accounts, credit cards and even their gaming accounts.  Should your info become compromised, IDShield will help you every step of the way and cover costs in the loss.  The best part is the cost of IDShield, which is less than $20.00/mo.

You don’t have to buy insurance to get these products.  I will sit down with you, sign you up and get you on your way with a peace of mind you are protected and have professionals in your hand 24/7.

Contact Me For Legal/ID Shield

“I Got Plenty of Time to Deal With Insurance – Years Even“

I’ve heard that so many times.  For all intents and purposes that should be the case, unfortunately that isn’t the world we live in.  The hard truth is, we could be in a car accident and never function the same putting us into full disability.  We may have had the best day of our lives and all of a sudden a catastrophic illness strikes taking our life.  The world doesn’t care if we are minutes old or 100 years old, it doesn’t discriminate – nobody is safe.  That’s why it’s so important to plan now.  We need to make sure we can live as we did financially and securely before we became disabled; and have a piece of mind knowing that should I not be here for my family that they are financially protected.  Think of it this way, a long term savings account that you put a small amount of money into today, to preserve the future.  Even if you have had a catastrophic illness like a heart attack or organ transplant, it still may be possible to cover you with guaranteed life.

Living Benefits can help cover things like income replacement, help cover the cost of high deductibles and/or yearly out of pocket maximums your health insurance requires.  You can get money for medical treatments if you have a catastrophic illness and help you if you need long term care.  It can even help provide you money if you go to the ER.

So… why wait?

Want to Learn More & See Your Options?

If you want to learn more about our products, go over your needs list and see where gaps may be with your group insurance, or if you don’t have work benefits call me to set up a consult.  It costs you nothing to sit down with me and review your situation.  There is no obligation to buy and no hard sales.  To set an appointment please schedule some time on my calendar.  We can do Zoom or in person.  I can come to your home or office or restaurant, where ever is comfortable for you. https://calendly.com/emmalynndowd

You can also call us at (800) 587-6136 or locally (813) 614-5872

Don’t know what you need?  Click here to make an inquiry and Emma or one of her agents will reach out to you.

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