Life & Health Insurance

life-and-health-insurance

Life, Long Term Care and Disability Insurance

Our families are the most important things in our lives. At the Pardee’s Agency, we understand the attention this requires and will assist in developing an insurance portfolio to provide for your family should something happen to you.

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Watch this video to learn more about Life Insurance:


Life Insurance
With all the different life insurance options out there, it’s hard to know which is the best one for you. As independent agents, we will discuss your situation and can recommend the right type of life insurance. Whether it’s a term policy, a universal or whole life policy, we’ll provide you with options so you can choose what’s right for you.

Long Term Care
The sad truth is that many of us will need some type of long term care in our lifetimes. Long term care can often be financially devastating if you don’t plan for this possibility. If you want to review several options before making a decision, come see us for a free, no obligation consultation.

Disability Insurance
For most people their income makes all other things possible. If your income was lost, you may end up losing many of your possessions, too. That is why disability insurance is so important. Talk with us about your lifestyle and what you may have at stake, and we’ll help build a plan that will keep you secure now and in the future.

 

Health Insurance Options

Whether you’re looking for health insurance for your business and employees, or individual insurance plans, the variety of plans and benefits is confusing at best. In addition, the recent health care legislation has significantly changed the playing field.

At the Pardee’s Agency, we’ll take the time to explain all your options and their costs, so you can craft a plan that fits you or your business perfectly. We’ll discuss the types of insurance options including:

Fee-for-Service (Indemnity) Plans
Health Maintenance Organizations (HMOs)
Health Savings Accounts (HSAs)
Preferred Provider Organizations (PPOs)
Point-of-Service Plans (POS)

We explain many of the common terms used in health insurance plans so you know exactly what you pay for out-of-pocket, and what’s included in your plan.