Short Term Disability - Income Protection Plan

Your ability to earn an income is one of your most valuable assets. It provides the financial security that helps protect you, your family, and your lifestyle. If you do not currently have an adequate amount of sick time accumulated, you may want to consider expanding your benefits to include short-term disability.

If you are unsure how you would get by if you were disabled, now is a great time to assess your needs for disability coverage. Disability insurance helps you pay everyday living expenses and out-of-pocket expenses not covered by major medical plans. Disability insurance provides you with a monthly benefit to replace a portion of your income if you're unable to work due to a covered disability.

Highlights of our disability plan options include:

  • Choose from a variety of elimination (waiting) periods.
  • The amount of monthly disability benefit may be designed to fit your individual needs.
  • You're paid regardless of any other insurance you may have.
  • Benefits are paid directly to you unless you specify otherwise.

Life Insurance

Do you currently have adequate life insurance coverage for yourself? For your family? If not, you may want to consider increasing your benefit program to include a life insurance policy on you, your spouse, and/or your dependent children. Doing so can help you balance your family's resources by working with any other plans you may have in order to provide sufficient protection for you and your family.

For instance, have you considered what would happen to your family's way of life if you or a family member died unexpectedly? How would you or your family pay for medical expenses, car loans, rent or mortgage payments, credit card debts, your children's education--even everyday living expenses like food, clothing and utility bills?

Highlights of the Universal Life Insurance program include:

  • Death benefits remain level-they do not decrease as you age.
  • Premium amounts also remain level-they will not increase as you age.
  • You have the flexibility to increase or decrease the coverage as your needs change.
  • There are a variety of additional benefit riders you can choose from as well.
  • Policy is yours to keep for as long as you choose--even if you change jobs or retire.
  • Family coverage is also available-as either their own plan or a rider on yours.
  • Premiums build cash value.

Highlights of the Term Life Insurance program include:

  • Death benefits remain level-they do not decrease as you age.
  • Premiums will remain level for up to two consecutive 10 year periods.
  • A cash payment feature advances $2500 immediately to your beneficiary upon certification of death.
  • There are a variety of additional benefit riders you can choose from as well.
  • Policy is yours to keep for as long as you choose--even if you change jobs or retire.
  • Family coverage and additional rider benefits are also available.
  • Coverage is convertible to a cash value life insurance policy.

Cancer Insurance

The purpose of a cancer insurance policy is to help you concentrate on your care-rather than worrying about the cost of your care. Early detection and prompt treatment are key elements in recovery from cancer. In recent years, new technology has improved our ability to detect and treat cancer. However, with improved technology, the cost of fighting cancer can add up quickly.

Yes, cancer is a frightening disease, but the odds of survival are improving, through modern methods of diagnosis and treatment. Our cancer insurance plan would help you pay for screening tests that are vital to early detection, and help you deal with the financial problems associated with having cancer.

Highlights of the program include:

  • Cancer screening tests including mammography, pap smears, and a variety of screening blood tests.
  • Additional radiation and/or chemotherapy benefits.
  • Hospital inpatient, surgical procedures and a variety of other treatment benefits.
  • Transportation and lodging benefits (for insured & family member).
  • Skilled nursing, home health, and hospice care benefits.
  • Portable if you change jobs or retire and is guaranteed renewal as long as premiums are paid.