Where there’s life, there’s hope–and there’s also the risk of illness, injury, and death. An accident or illness could threaten a person’s physical well-being–and his family’s future–at any time.
So how can you protect yourself and your family?
That’s where Insurance Partners, Inc., can help.
As health insurance and life insurance experts, we know which products and companies to recommend for your unique needs–whether you’re a young professional working for a secure future, you’re the family breadwinner focused on providing for loved ones, or you’re worried about long-term care or covering funeral expenses. As a service-oriented company that’s been serving individuals and families for more than 35 years, we know how to support you while you choose a life insurance or health insurance policy, when you need to add coverage due to your family’s changing needs, and when you or your family need to file a claim.
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Health insurance policies most often offer coverage for:
- Doctors visits
- Medical Testing
- Surgical procedures
- Specialized care
Although every health insurance policy is different, typically you can work with your health insurance broker or agent to create a policy that best suits your lifestyle and needs. It is important to consider your financial situation, your health and the health of your family members when creating a health insurance policy. Most health insurance brokers can offer you two types of health care coverage:
Indemnity Plans (or fee-for services plans)
• Basic & Essential Health Plans
• Indemnity Health Plans
• High Deductible Health Plans (HDHP)
• Cafeteria/Flexible Spending Plans
• Health Savings Accounts (HSA)
Managed Care Plans
• Preferred Provider Organizations (PPO)
• Health Maintenance Organizations (HMOs)
Your health insurance broker may also provide Medicare supplements, long-term care, income protection, etc.
Whole Life is permanent life insurance. As long as premiums are paid on a timely basis, your policy can never be cancelled. It’s life insurance you’ll always have. Once set, your policy guarantees that your premiums will never increase.
Whole life insurance policies pay a death benefit when you pass away, no matter what age, and generally covers you for your entire life, hence the name.
There are two types of whole life policies: universal and variable. Universal whole life provides the policyholder with some flexibility in terms of death benefits and premium payments. Variable whole life policies combine your coverage with your investments. This can be a risk, because if your investments do not perform well, the value of your death benefits and your coverage can decline as well.
Term Life is the simplest form of life insurance. It provides affordable protection for a specific period of time at a scheduled premium level. Term life policies pay a death benefit only if death occurs during the policy term, which is usually no longer than 30 years.
There are two types of term life policies: “Level Term” and “Decreasing Term.” Level Term policies require that the death benefit stays the same throughout the existence of the policy, while Decreasing Term policies require that the death benefit drops in set increments throughout the existent of your policy. Level term life policies are the most popular.
If you find yourself wondering why you should purchase life insurance, consider the following reasons:
- To pay final expenses
- To ensure an inheritance for your heirs
- To create a source to savings
- To replace income for your dependents
- To make charitable donations (naming a charity as a beneficiary)
- To cover federal/state death taxes
Patriot PlatinumSM provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today.
Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits and services and
our Global Concierge & Assistance ServicesSM.
There are two plans available: Patriot Platinum InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Platinum AmericaSM provides coverage for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years.