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our Office
Individual
and Family Health Insurance
Plans designed for
individuals and families who cannot obtain health insurance through an
employer.
Due to the
constantly rising cost of medical care, it has become increasingly
important to have health insurance to protect you and your family from
catastrophic financial losses.
We offer health
plans which provide comprehensive plans, plans with high deductibles and
MSA's Medical Saving Account plans.
Quote and
Apply Online
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Short Term Medical
Interim
insurance to cover you for short periods of time. Typically 1 - 12
months.
The Overseas Travel Medical is
a new short-term medical plan, it can be purchased for 15 days up to 12
months, by anyone living or traveling internationally. U.S. citizens don't
have to play against the odds when they travel overseas. Non-U.S. citizens
can obtain affordable major medical protection while working in or
visiting the U.S. Convenient automatic acceptance and payment options for
monthly or payment in full benefit periods and choose from medical expense
limits of: $50,000, $100,000, $250,000 or $1 million. Deductible choices
of: $125, $250, $500, $1,000 and $2,500 Comprehensive benefits for: -
Hospital and medical expenses After the Deductible, - Co-insurance is 80%
inside the U.S. and 100% outside the U.S. - Emergency Evacuation -
$100,000 - Emergency dental treatment- $500 - Trip cancellation- $5,000 -
Lost checked luggage- $250 - Reunion of minor children- $5,000 - Up to
$25, 000 AD&D - Return of mortal remains- $20,000 = Hazardous sports
(Optional Rider)
Dental Insurance
Disability
Disability insurance is
important to the financial security of most individuals. Throughout the
typical working lifetime (ages 20-65) the probability of suffering a
major disability (3 months or longer) is considerably greater than dying.
(as much as 6 times the probability of dying)
The recommended
amount of disability income insurance generally ranges from 60-70
percent of pretax income.
Medicare Supplement
Long Term Care
A Long Term Care
insurance policy pays you a daily benefit to cover the cost of
long term care. It includes custodial care (assistance with activities
of daily life such as eating, bathing and getting dressed) in a nursing
home, an assisted living facility or in your own home.
This type of care isn't covered by regular medical insurance policies or
by Medicare. The average cost for a year in a nursing home today
is $40,000; in some parts of the country, it runs to more than $80,000.
Government studies indicate that 40% of Americans over age 65 will
eventually need some type of long term care. This type of coverage is
essential if you are concerned in protecting your assets and maintaining
your financial independence throughout your life.
Individual Life
Insurance
Life Insurance is a unique
asset which is a valuable addition to your overall estate due to its
potentially high yield and tax favored benefits.
Life Insurance
can help to secure your family's financial future by providing funds
needed to cover burial expenses, uninsured medical bills, outstanding
debts, pay off mortgage or provide financial income to maintain a
comfortable standard of living.
Adams Insurance
offers a wide variety of life insurance products, including permanent,
term, flexible and whole life policies.
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