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Individual Insurance

Medical Dental Life Disability Long Term Care

Are you ineligible for group insurance?

Maybe you’re no longer a full time student and have not yet found a job with medical benefits.

Are you a self-employed entrepreneur or a retiree without benefits?

Maybe you are Medicare Eligible and need an advisor you can trust to help determine the best supplement and prescription options for you.

Medical

Individual Medical Insurance, whether you are looking for a temporary or a permanent policy, Business Benefits can help find an affordable solution, providing peace of mind and financial stability, even if poor health affects you or your family. Many choices are available including traditional plans as well as high deductible health plans and health savings accounts.

Medicare Supplements and Prescription Coverage are options and an excellent, affordable way to fill the gaps in coverage if you have both Medicare Parts A and B.

Health Care for One is our technology partner that enables you to compare plans and rates online. You may apply online or over the phone with one of our experienced insurance professionals. Click on the logo below now!

Dental

Individual Dental Insurance is an excellent way to help you provide the best dental care for you and your family. Taking care of your oral health contributes to your overall health and wellness.

Life

Individual Life Insurance is one of the most important benefits you can purchase to protect your family. Most Americans do not have adequate life insurance but usually have large debt and little savings. Purchasing sufficient life insurance is a fundamental way to protect your family from years of hardship if you were to die.

Disability

Individual Long Term Disability is an invaluable way to protect your income if you were ever ill or injured long term. The chance of you becoming disabled during your working years is three times greater than your risk of death.* The most common disabilities in the U.S. include: heart disease, back problems, arthritis, asthma, and diabetes.**

*Commissioners Individual Disability Table A.
**Disability Statistics Center, University of California, San Francisco.

Long Term Care

Individual Long Term Care insurance can protect your family’s assets when the need for long- term care arises. Long-term care insurance provides ongoing health care after an injury or illness is stabilized; or care due to slowly deteriorating health. Help with daily living, such as dressing, eating, and bathing may be necessary along with help provided in your home, or in a variety of settings or facilities. This type of care can be extremely draining on your finances.

If you or a loved one experiences a medical crisis in the future, you may be covered under health insurance and government programs like Medicare. However, health insurance and Medicare do not adequately cover the costs associated with long term care services.