Permanent life insurance
Sometimes called whole life, universal life or endowment insurance, where the premium generally remains constant and the policy remains in force over an extended period at time until the death of the insured (assuming the policy is kept current by the premium payments being made). Such polices accrue a cash value.
Term life insurance
Life insurance provides coverage for a limited period of time at a fixed rate. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or obtain further coverage with different payments or conditions.
A health policy exclusive from a group plan that ensures an individial and/or family.
Short term medical
An Individual medical plan that has a designed beginning date and ending date. Usually no longer than 12 months in duration.
- Travel Insurance
Long Term Care
A type of health insurance designed to pay a portion of the costs associated with dental care.
A type of health insurance that entitles you to specific eye care benefits defined in the policy. These policies typically cover routine eye exams and other procedures, and provide specified dollar amounts or discounts for the purchase of eyeglasses and contact lenses. Some vision insurance policies also offer discounts on refractive surgery, such as LASIK and PRK.
For more information contact Benefits Division Inc. at (407) 629-9085