HEALTH INSURANCE
It‘s About the Difference Between Benefits or Excuses!
Family Benefits Group offers health insurance plans for Individuals, Families, Self Employed, Contractors and Small Business Owners. Our plans offer the most coverage available at the most competitive prices from only the top rated carriers.
Health insurance can be one of the most difficult types of insurance to understand. From HSA’S, HRA’S, HMO’S to PPO’S. That’s why it’s best to meet with a Licensed and Trained Professional from Family Benefits Group to evaluate your current situation and make sure you are not over insured or under insured. We are confident we can save you money or provide better benefits…usually both!
At Family Benefits Group we specialize in customizing each individual policy to fit your particular needs. Whether you are looking for a benefit rich plan or a catastrophic plan, we will design the best plan for your budget. Medical Bills are the leading cause for bankruptcy in America, but it can be avoided! Learn what to look out for… Exclusions, Loopholes, Cancellation and Coverage Clauses…etc. DO NOT BECOME A STATISTIC! Call Family Benefits Group …TODAY!
LIFE INSURANCE
It's About the Ones You Love!
Although Life Insurance might not be a subject that you want to talk about, remember, it’s designed to protect your loved ones. We buy life insurance because we want to make sure that our families, especially our dependents, can remain financially secure after we pass away. Income replacement is the #1 reason why people buy life insurance. Industry statistics say that 82% of Americans do not have enough life insurance. Stay-at-home moms or dads also have an important, often overlooked, economic value that should be covered by life insurance. Life insurance is also used to achieve specific business or estate planning goals.
When you are ready to talk about the right product for YOUR needs, we would be happy to meet with you and discuss the best coverage and options for you and your family. Whether it’s Universal, Term or Whole Life, we have the products to keep you covered. We can discuss the things to look out for in some plans like increasing premiums and decreasing face values. The need for life insurance never ends. But the older you get, the more expensive life insurance can become. With the Family Benefits Group, you’ll have peace of mind knowing that your premiums will remain the same instead of increasing as you get older and the death benefit will remain the same! Call and let a Licensed, Trained Professional from Family Benefits Group Help you with your life insurance needs…TODAY!
CRITICAL ILLNESS
It’s About Having the Money to Recover, NOT Worrying About Paying Bills!
Critical Illness insurance can fill the gap between health insurance and life insurance. Health insurance provides benefits for medical treatment but doesn’t include benefits for non-medical expenses. Life insurance pays benefits, but after death. What if you survive a critical illness? Where will you find the financial resources to cover only non-medical costs during recovery?
Critical Illness is a level 10, 20 or 30 year term life insurance policy with a critical illness accelerated benefit rider. That means if you are diagnosed with a covered critical illness, your policy will pay you a cash benefit up to 100% of your term life insurance amount. The cash benefit will be paid directly to you and can be used for any purpose you deem necessary or appropriate, such as:
• Protect your assets from being spent on recovery.
• Pay your mortgage or other obligations.
• Pay for experimental treatment.
• Pay other insurance premiums.
• Pay home healthcare expenses.
• Reduce your debt.
• Maintain your family’s lifestyle.
• Pay for childcare.
• Maintain your business during recovery.
The benefit amount you receive can help you focus on fully recovering – not on worrying where you will find the money to pay your bills.
GUARANTEED ISSUE PLAN
It’s About NOT being turned Down For Health Insurance!
What is a Guaranteed Issue Health Insurance policy? What does it cover?
There are many people who do not qualify for health insurance because they have pre-existing health conditions (cancer, diabetes, heart conditions, depression, etc.) that disqualify them. Even if a person with one of the conditions listed above qualifies for a health insurance policy, treatment related to his/her pre-existing condition may not be covered in the policy. A guaranteed issue health policy will offer comprehensive health insurance coverage to people in such a predicament.
If you have a pre-existing health condition, there aren’t too many alternative health insurance policies. Let the Licensed, Trained Professionals at Family Benefits Group help you determine if a Guaranteed Issue Plan is right for you.
24-HOUR ACCIDENT COVERAGE
It’s About When Accidents Happen.
You can be hit with huge bills when you least expect it. Accident Plans give you 24 hour accident coverage with ANY Doctor, ANY Emergency Room, ANY Clinic or ANY Hospital. Other benefits of or accident plan include: Air Ambulance and Accidental Death or Dismemberment coverage. Benefit options range from $2,500 to $25,000 and most plans have only a $100 deductible. You Do NOT have to meet your health insurance deductible before this plan pays out. In fact, the benefit amount can also be used to cover your health insurance deductible. The plans can cover your immediate family and the premiums are very reasonable. Let the Licensed, Trained Professionals at Family Benefits Group help you determine which plan is right for you.
DENTAL AND VISION
It’s about Care and Maintenance of Your Teeth and Eyes!
Dental work and eye exams are an important - and often expensive - part of taking care of your health. With our Dental & Vision discount plans; you can reduce your overall health care costs by taking advantage of substantial discounts on dental and vision care. Services provided with no waiting period and no yearly limit. Also, benefits cover your entire family for the same low price.
Dental Discounts: 5%-60% savings on most dental procedures including: Routine oral exams, Unlimited Cleanings, Braces, Dentures, Root Canals, Crowns, Bonding, Veneers and more!
Eye Discounts: Members save 15% to 35% off eye care needs like eye exams, eyeglasses, and contact lenses.