Protect What Matters Most

Life Insurance:

• Term Life: Coverage for a specific period
• Whole Life: Permanent coverage with cash value
• Universal Life: Flexible premium permanent coverage
• Final Expense: Smaller policies for end-of-life costs

Health Insurance:

• HMO: Health Maintenance Organization
• PPO: Preferred Provider Organization
• EPO: Exclusive Provider Organization
• HDHP: High-Deductible Health Plans with HSAs

How to Choose the Right Policy:

• Assess your specific needs and risks
• Compare multiple quotes from different providers
• Check the financial strength rating of insurers
• Understand policy exclusions and limitations
• Review customer satisfaction and claims handling records

Ways to Save on Insurance:

• Bundle multiple policies with the same provider
• Choose higher deductibles to lower premiums
• Maintain good credit (where permitted by law)
• Ask about discounts (safe driver, security systems, etc.)
• Review and adjust coverage annually

Q: How much life insurance do I need?

A: A common rule of thumb is 10-12 times your annual income, but it depends on your debts, number of dependents, and future obligations like college tuition.

Q: What's the difference between HMO and PPO health plans?

A: HMOs typically have lower premiums but require you to use doctors in their network and get referrals for specialists. PPOs offer more flexibility to see out-of-network providers but at a higher cost.

Q: Should I choose a high-deductible health plan?

A: HDHPs have lower premiums but higher deductibles. They can be a good choice if you're generally healthy and want to save on premiums, especially when paired with a Health Savings Account (HSA) for tax advantages.