Purmort Brothers Insurance can get you a competitive quote, but sometimes getting a life or health policy issued requires a good match between you and an insurance company. The good news is we represent several top-rated carriers and can guide you to the program that will give you the best life insurance and health insurance coverage for your age and medical condition.
There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget.
There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget.
There are four primary types of life insurance, and each has a place in any sound financial plan. The four variations of life insurance are:
• Term Life Insurance – fixed premiums for a fixed period of time
• Whole Life Insurance – permanent insurance, as long as premiums are paid, with fixed premiums and cash value benefits
• Universal Life Insurance – permanent insurance with options to change premiums and death benefits
• Universal Life Insurance – similar to Universal Life but with the flexibility to choose investment risks to maximize cash value benefit
A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.
HSAs are savings instruments that you can use in conjunction with high deductible health insurance policies. HSAs are tax advantaged tools that allow you to invest money for the purpose of paying future medical expenses. Funds in HSAs accrue over time and let you control what medical expenses you will use the funds for and when. HSAs are completely portable and can help you cover high deductibles or expenses that your insurance policy won’t cover.
America’s population is aging and many of us may find our assets at risk as we struggle to pay the costs of daily living assistance during periods of serious illness or disability. These costs are not covered by traditional health policies or Medicare. For some, Long Term Care Insurance may be the best alternative.
Medical Insurance removes the risk of potentially catastrophic financial loss due to unexpected illness or injury. Apply online and get protection as soon as the next day.
Medicare Supplement insurance, also called Medigap Insurance, helps cover some costs that Medicare insurance by itself won’t pick up. It also delivers a few other important benefits:
• You can choose care from any doctor that accepts Medicare insurance
• Medicare Supplement insurance is guaranteed renewable, as long as you pay your premium
• You have a choice of private insurers through which to purchase Medicare Supplement insurance
• Medicare Supplement policies can be used to cover Medicare co-pay costs
• Medigap insurance can be used with Medicare prescription coverage to control out of pocket medication costs
Short Term Medical Insurance removes the risk of potentially catastrophic financial loss due to unexpected illness or injury.
Health insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation program. In fact, many people who would otherwise be qualified to run their own businesses may work for yours because of access to your benefits program. Let us help you find the best program for you.
Life insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation.