Health insurance questions? We have the answers.
For some, health insurance can be confusing and may raise a number of questions, such as:
- Do I need an individual plan?
- I own a small business, what about group coverage?
- I have heard about this thing called a Health Savings Account (HSA), what is that all about?
- I have diabetes, can I get covered?
People with confusions about health insurance are not alone. At Central States Agency, our clients have come to appreciate the time we take to ensure they have the knowledge they need to make informed decisions about their health insurance.
Life insurance: protection for your family.
Life insurance is not a “one plan fits all” product. We can build an individual program for you that will meet your needs now, and can be built upon for the future. If your life is growing and you have more to protect, such as more land, equipment, a business or additions to your family, we ask the right questions to give you the right product for your situation.
Disability insurance: income when you’re sick or hurt.
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Although no one likes to think about being injured, sometimes accidents do happen. If you were to become disabled and unable to work, would you have enough income to keep paying your mortgage or car payments? Would you be able to continue to provide for you and/or your family’s basic needs? If you are like the majority of people in the country, you would be terribly underinsured in terms of disability coverage. We can design a program that will best suit your needs and keep money coming in when you are sick or disabled.
Long term care insurance: plan now for future needs.
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“As the costs of healthcare and nursing home care continue to rise, many Iowans may not be financially prepared to handle long-term care expenses that may be just around the corner,” said Iowa Insurance Commissioner Susan E. Voss. “Unfortunately, many Iowans underestimate both the risks and costs associated with long-term care.” |
National statistics indicate that about 60 percent of U.S. citizens will require long-term care. According to the 55-plus citizens advocate group AARP, the average cost of a single year in a nursing home facility averages $61,685. For the most part, Medicare does not pay for long-term care. Call us today to learn how we can help protect your future.
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