Hospital Indemnity Insurance pays a daily benefit for each day of hospital confinement after elimination or waiting period and up to the maximum due to a covered accident or sickness. It pays in addition to you core medical plan and you can choose how the money is spent. This plan does NOT pay in addition to Worker’s Compensation benefits.

It is guaranteed renewable to age 65.  It has two benefit periods of 180 days or 365 days, and additional riders are available. Must be confined to a Hospital for at least 24 hours.

Minimum Issue: $30 Daily Benefit or Maximum Issue is $250 daily benefit. Coverage under the Base Plan is available to the employee working 30 hours or more per week.  Spouse and children may be covered under the base policy and all optional riders.

Example: 180 Days Benefit Period
Accident Elimination Period: 0 Days
Sickness Elimination Period: 0 Days

The longer the Elimination Period, the cost becomes lower.  I can show you how affordable we can make this benefit by changing elimination period and the benefit period.

Life is full of risks. While no insurance policy can guarantee a long, healthy or prosperous life, the protection you receive with life insurance coverage provide a greater financial security in the face of life's serious risks. We would like to provide you with a safety net, and you become the "Hero" to your family.

We have different types of life insurance to meet your needs: our most popular varieties are term and universal.

Term life insurance is like renting your coverage, you never own that policy. You purchase it for a10, 20, or 30 year period when your liabilities are at there highest such as, a mortgage and education for your children. It is designed for your premature death. It does not accumulate cash value like permanent life insurance.

You have a choice of $50,000 to $1,000,000 to fit your own financial needs. We work with several carriers that can provide us competitive rates. It will not only give your family protection but guarantees premium rates will not change during the length of the policy.

Universal Life makes it possible for you to adjust your life insurance protection as your needs change. As your family grows, your business expands, or your income and responsibilities increase, your life insurance coverage can evolve to fit your new circumstance. These are permanent life policies that build tax-deferred cash value.

This plan provides flexibility to change coverage or premiums. Preferred policy loans and guaranteed interest rates. It has income tax-free death benefits for beneficiaries, insurance protection for your entire life, two death benefit options, level or increasing.

As a Pre-Paid Legal member, you have an attorney partner a phone call away to help when life events happen. People choose to avoid dealing with legal questions for many reasons.

Your Benefits Include:

• *Legal advice and counsel by phone for any personal or business legal matter.
• *One letter or phone call per subject matter when your provider law firm determines it’s in your best interests.
• *Contract and document review up to 10 pages
• *Preparation and annual updates of your Last Will and Testament
• *Assistance and advice for moving traffic violations nationwide.
• *Representation for certain motor vehicle related criminal charges.
• *Representation for Civil Lawsuits and Job-Related Criminal charges.
• *IRS Audit Legal Services
• *Identity Theft is also available

The cost for Pre-Paid Legal membership is only $17.00 per month and the Identity Theft is $9.95 per month.

Questions to ask youself:

• Need to update your will?
• Had a change in marital status?
• Paid a bill you knew was unfair, but felt you had no choice?
• Received an inaccurate credit rating?
• Signed a contract to purchase a home or lease a car?
• Had problems with an auto, homeowners, health, or life insurance claims?

Let us help you!

Pays a benefit to you when you’re struck with a covered illness.  Nearly 48% of all U.S. bankruptcies are caused by soaring medical bills. We can provide for you a lump-sum benefit from $5,000 to $100,000.  You choose how to spend the money, whether it be a mortgage payment, a car payment or just to supplement family income so that a care-giving spouse can be with you in your time of need.

With new modern technology we can survive a heart attack, stroke or other serious illness.  But recovery comes at a price.  If you are unable to work, your bills would continue to pile up while your income decreases.

Provides a lump sum payment to help offset the costs associated with cancer.

One in every three American women and one in every 2 American men will be diagnosed with cancer.  Among children ages 1 to 14, cancer causes more deaths in the U.S. than any other disease.  The average costs per person is $16,421.  Your hospitalization insurance may be good, but will it pay for all cancer expenses?
We have a cancer plan that is designed to pay a one-time lump sum cash benefit when first diagnosed with internal cancer or malignant melanoma. You can use the cash benefit for any purpose you choose.  It also pays in addition to any other insurance coverage you may already have in force.

We have a cash cancer plus plan and indemnity plans. The cash cancer plan pays a lump sum up front as soon as you are diagnosed. With this benefit, you have to be free of ever being diagnosed with cancer.

With the indemnity plan, it pays for individual  benefits such as, radiation/chemotherapy, surgical, anesthesia, hospital confinement, drugs and medicines, hospice, and wellness to help with early detection. If you have had cancer, we have a plan that will cover you after five years in remission.

We have individual and family coverage where benefits are paid directly to the employee after coverage has been in force for thirty days. It pays in addition to any other insurance coverage you may already have in force.

First-Year Medical Costs Per Person

• $21,608 Colorectal Cancer
• $20,340 Lung Cancer
• $9,230 Breast Cancer
• $8,869 Prostrate Cancer
• 3,177 Lynphoma

Costs is based on age and benefit amount. These policies contain limitations and exclusions.

You can be a weekend warrior with a very active lifestyle or a stay-at-home type, accidents can happen to you or your family anytime without warning. In 2004, the total cost of accident injuries averaged $24,775 per injury.

Our accident plans pay benefits directly to you for out-of-pocket expenses or just rent, your choice.

1. Additional life insurance if premature death is caused by an accident
2. Guaranteed renewable as long as you pay your premiums as required
3. Pays over and above to any other insurance coverage you may have already have.
   (Pays on the job or off the job injuries)
4. Portable, you can take it with you if you should leave your current employment
5. You have four choices of coverage:  Individual, Individual and Spouse, Individual and Child, and family.
6. It provides Accident Emergency Treatment, Follow-up treatments, hospital confinement, medical imaging, wellness, ambulance service, blood and plasma, dislocations, eye injury, physical therapy, prosthesis, tendons, ligaments, and rotor cuff, and transportation, among many other covered injuries you may have.
7. It puts money in your pocket when you need it most!

Most people have insured their home and automobile, but often overlook coverage for their income.

What would happen to your life style (and those who depend on you) if paychecks suddenly stopped because you were disabled by an off-the job accident or sickness and unable to work?  How long would your savings last?

Disability Income can help you protect your paycheck and your ability to pay monthly bills.

1. Replaces up to 60% of your monthly income.
2. Provides several benefit period options
3. Monthly disability benefit paid starting the eight day of an illness or off-the-job accident
4. Benefits paid directly to you
5. Pre-existing conditions(covered after 12 months)
6. Pregnancy
7. Policy can be fully portable and guaranteed renewable (as brokers, we work with several

different carriers which allows us to have more options and underwriting guidelines).

MAKE THE SMART CHOICE NOW!  The small premium you pay now can’t compare to the benefits this policy can provide when you become disabled.