Life Insurance
Term Life – The most common type of life insurance you will come across is slightly less expensive because it’s only designed to last you a limited time. You buy it in your peak working years in case you pass away and leave a young family behind with a mortgage and other bills they cannot afford. Well worth the cost which can be as low as $25-$40 a month for $250k-$500k in coverage. Conditions apply
Whole Life – Does not expire and can be a substitute for leaving a nest egg to your family when you pass as an inheritance or help to pay funeral expenses when you pass including any legal costs associated with your estate planning. Costs vary but generally more than a Term Life.
Health & Dental – The Affordable Care Act has helped our clients save thousands of dollars a year on their health insurance costs. The federal government is providing subsidies based on your income to help you pay for your insurance and also out of pocket expenses like co pays and deductibles. Generally, if you work for an employer with less than 50 full time employees or you are self employed you will qualify. The plans have to meet strict federal guidelines and are generally much better than other private health insurance plans. Ask us if you are eligible.