Life Insurance
Whole Life
Whole life insurance provides coverage throughout the life of the insured person. In addition to paying a tax-free death benefit, whole life insurance includes a savings component in which cash value may accumulate. Interest accrues on a tax-deferred basis. Cash value accumulation on some policies can be leveraged as a debt optimization tool, helping you to accumulate equity in your policy, while paying down loan balances.
Term Life
Term life insurance provides a death benefit for a specified period of time that pays the policyholder's beneficiaries. Once the term expires, the policyholder can either renew it for another term, possibly convert it to permanent coverage, or allow the term life insurance policy to lapse. Some policies feature a “return of Premium” rider which allows for the return of all premiums paid if their is no claim upon policy expiration.
Final Expense Insurance
Final expense insurance, also known as burial insurance or funeral insurance, is a type of permanent life insurance designed to cover end-of-life expenses like funeral costs, medical bills, and other outstanding debts. It's typically a smaller, more affordable policy compared to traditional life insurance, and it provides a tax-free death benefit to beneficiaries to help cover these costs.
Health Insurance
Health Plans
Everyone has different insurance needs. We have access to a variety of plans to ensure you have the coverage you need at an affordable cost. These plans are HMO (Health Maintenance Organization) plans, meaning you’ll use a specific network of doctors, hospitals, clinics and specialists for covered services.
HMOs generally have lower monthly premiums and out-of-pocket costs compared to other plan types, like PPOs. Your PCP coordinates all your care, which can lead to more organized and comprehensive treatment. Since they are prepaid plans, HMOs are incentivized to keep you healthy and minimize long-term costs through preventative care.
Dental Plans
In the absence of a traditional dental insurance plan for individual insureds, we do offer access to dental reimbursement plans. Subscribers can visit any dentist in Wisconsin and after receiving services, fill out a dental reimbursement form and your provider will reimburse for eligible expenses. Eligible dental expenses include two annual dental exams and cleanings and one annual x-ray.