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Universal Life Insurance
Universal policies are sold as investments that combine insurance protection with savings. Actually, a Universal Life Policy can be defined as a flexible premium deposit fund that is combined with monthly renewable term insurance.
Universal term insurance works in the following manner:
An initial specific premium is paid. Then expenses are deducted from the gross premium and the balance is credited to the policy’s initial cash value. Secondly , a monthly mortality charge is conducted from the cash value to pay for the pure insurance protection. And finally, the remaining cash value is then credited with interest at a specified rate.
The basic characteristics of universal life are as follows:
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Whole Life Insurance
Whole life Insurance has level premiums and will provide protection until age 100. There are several types of whole life- Ordinary Life Insurance, Limited-Payment Life Insurance and Endowment Insurance.
Ordinary Life Insurance is a form of Whole Life. Lifetime protection is provided until age 100 and the premiums remain level. In the event the insured is still alive at age 100 the full face amount will be paid without death having to occur.
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When do you need term life Insurance?
If others rely on you for some or all of their financial security, term life insurance can help protect their future.
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|  Clearly See the Acova Insurance Difference!
Let Us Quote You a Vision Policy....
- Eye Examination Benefits
- No Network Restrictions
- Vision Correction Benefit
- Specific Eye Disease / Disorder Benefit
- Plus Much More....
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Great oral care includes periodic wellness visits—this reduces the likelihood of expensive treatment later on. Did you know that for every $1 spent on prevention in oral healthcare, $8 to $50 are saved in restorative and emergency treatment. We have the ability to help you get that policy.
Many of the healthcare companies that we represent allow you to add on a dental plan to your individual medical insurance. By doing this you have more options on your coverage. Many companies have several plans you can choose from.
Many plans offer coverage on the following:
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Medicare Prescription Drug Plan Guide
What is Medicare Part D?
Medicare prescription drug coverage (part D) is a lot like other insurance you have used throughout your life. Medicare Part D covers prescription drug costs only. A private health insurance company manages it for a monthly premium.
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You could be left with a gaping hole in your financial planning.
Even the best health insurance plan can leave you with that "empty feeling" when it comes to:
Unpaid medical Bills-- Including deductibles, co-pays, and out-of-network charges.
Loss of Income-because of a serious illness or accident that seriously reduces the total earning power of the afflicted employee and/or spouse.
Non-Medical Expenses-like the cost of travel, lodging meals, child care, home care, and special
equipment, as well as everyday living expenses like mortgage/rent, car, utilities, food and credit card balances, etc.
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Why Should I Buy Health Insurance?
The need for health insurance was recognized in the early part of the 20th century. The main reason to have it is simple: it can prevent you from facing financial ruin if there is a catastrophic illness or accident involving you or your family. At such a time, it is hard enough to deal with your health problems without the added knowledge that huge medical bills are exhausting your savings and future financial independence. You probably already know health insurance is something you should never be without.
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What is Group Health Insurance?
Group Health Insurance is coverage offered through a group, usually an employer or organization, to a group of people. Group plans spread the cost among the members of the group, enabling such plans to typically cost less per person and offer broader coverage than individual health insurance plans.
Why Should I Buy Health Insurance?
The need for health insurance was recognized in the early part of the 20th century. The main reason to have it is simple: it can prevent you from facing financial ruin if there is a catastrophic illness or accident involving you or your family. At such a time, it is hard enough to deal with your health problems without the added knowledge that huge medical bills are exhausting your savings and future financial independence. You probably already know health insurance is something you should never be without.
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