Prepare for Your Family's Future With Life Insurance Options
Life insurance is an important part of planning for the future of your family. It can help provide relief and cover other obligations in the event of your passing and when your family needs it most. Life insurance benefits are tax-free and can be used to cover your funeral expenses, repay outstanding debts, provide education for your children or spouse, pay estate taxes or any other expenses your surviving family members may incur.
Life insurance policies can also be used to make sure that a family business will be passed on to your intended beneficiary. There are also other benefits of certain types of life insurance plans during your lifetime.
Protect Your Health With Great Insurance Options
In today's world, health care costs continue to rise for most families and individuals. Health insurance policies allow you to better protect yourself and your family should you need medical care that has the potential to carry a substantial price tag.
There are many different types of individual health insurance, including fee-for-service, HMO or PPO plans, but you should learn as much as you can about their differences and their coverage limitations before making your decision. Policies also have a vast range in terms of coverage and how much they cost. Our staff at 1st Choice Insurance Services will shop various policies and carriers to find the ideal plan for you. We can also help ensure the policy that you purchase protects you from expensive medical costs and does not contain any hidden exclusions or stipulations that could cause you trouble later on down the road.
For a family of just two adults, it could be less expensive for each of you to have individual coverage than to participate in a family coverage plan. If you do have children, or may in the near future, you could get the best possible benefit from a family plan. However, because situations can change, it is important to discuss your options with an experienced insurance agent.
Cost is certainly not the only thing to consider when purchasing health insurance. It can be difficult to calculate exactly what you would spend each year on health care. You should also consider the benefits of each available policy and compare plans with your agent to find the best choice for you.
Group Insurance Possibilities
Health insurance is one of the most important needs that the average person has today. Without it, one serious accident or illness could hurt you financially. We offer experience and knowledge to help you pick the best plan for you and your budget.
Most Americans obtain their health insurance through their work or are covered because a family member has insurance through their job. This is what is called group insurance and is generally the least expensive health insurance option available. Some employers may offer a single health insurance plan while some will offer a choice of plans, including fee-for-service plans, health maintenance organizations (HMO) or a preferred provider organization (PPO). These plans each have significant differences and we can go over all of the necessary details with you.
Even today, not all employers offer health insurance to their employees. This may be the case with your job, primarily if you work for a small business or work as a part-time employee. If you do not have workplace health insurance options, you can also purchase an individual policy. However, it is definitely in your best interest to compare your options and shop carefully. Count on us to assist you every step of the way.