Think about it today! Insure with us. Don’t loose your time and money anymore!

A. It is easier to get your health insurance policies through your work. Upon reaching the eligibility requirement (such as a full-time employee working more than 40 hours per week for a six month continuous basis), the employee becomes health insurance covered under the employer's group health insurance policy and the employee is issued an insurance certificate or health insurance card. Medical insurance is a very common fringe benefit of employment.

A. Most Group health insurance plans do not use underwriting for individual plan participants. Once the Group is offered health health insurance coverage, individuals who are members of the group automatically qualify for the health insurance policies (often with open enrollment periods to switch coverages at a particular time during the year).

In addition, Group plans are originally underwritten using the same criteria as Individual health insurance plans – age, number of people, health history, occupation, lifestyle, etc

A. Accidents happen…and there are plenty of attorneys who specialize in recovering for victims whenever they do. Litigation has become a fact of life. Anyone with assets must take steps to protect what has taken so long to acquire. For most people, the front line in the war to protect assets is home or rent insurance.

Liability home damage coverage pays when you are legally obligated for damages that occurred as the result of something that happened on your property (your neighbor slipped and fell on your entryway rug, for instance). It also home damage coverage caused by your personal activities (hit a baseball through your neighbor’s double-paned window). This home damage coverage would pay the claims as well as a lawyer to defend you in the event of a lawsuit. In addition to protection for claims and lawsuits arising out of non-auto incidents that occur at your premises, these policies often provide protection for incidents that occur off the premises.

Keep in mind that unlike other home damage coverage in your policy, liability insurance does not have a deductible. There is no amount that you must first pay before your insurer picks up the tab.

A. Life insurance is an agreement made between you as an interested person and the insurance company, in order to provide money to the person which was chosen by you, the agreement is still in force even if you pass away. The general idea of the whole procedure of life insurance is that you are paying money for life insurance during your lifetime, this payment can be also called the life insurance “premium” to the company providing this service. This life insurance services represents the responsibility of the company as being an important part of the contract, to pay the beneficiaries after your death. Sometimes being a life insurance owner gives certain advantages to you, for example you have the right to borrow a sum of money from the total amount of money for the life insurance, and also “ the accelerated death benefit “ in the case if you become seriously ill or you need special care and treatment which requires time and money and special conditions of living.

A. The general auto insuranceis a contract with an auto insurance company that can protect you against severe financial loss if you are ever in an auto accident. Varying types of coverage act as a ?bumper? against various accident-related expenses, like liability, medical costs, damage to vehicles, and property damage. Most states have laws in the books that require basic general auto insurance coverage for every driver. A few states ask only that you demonstrate “financial responsibility”.