Life Resources Group, LLC.

expertise & RESOURCES when you need it the most

TYPES OF INSURANCE

There are many types of insurances and insurance can be a complicated issue. Why not let a professional insurance agent help you? There is never a cost nor an obligation to talk with one of our professionals. Whether it falls into the "health/life/accident" or "property/casualty" areas, we can help.

Here are the most popular Health &Life products available:
 

• Long-Term Care Insurance (Cash plans, individual and group): helps pay your long-term care needs when you cannot perform activities of daily living. See Long-Term Care insurance for more specific informatio
  
• Cancer Plans (Cash and reimbursement plans): plans pay lump-sum cash on first-diagnosis of cancer; or cash for certain procedures that go along with cancer treatment.  Heart-attack and stroke riders available for individuals & family plans as an add-on to your cancer plan.
  
• Life (Whole & Term): whole life insurance you keep "your whole life" and it builds up a cash-value that can be borrowed against. Term is for a specific term, like 30 years to make sure that your mortgage would be paid off in the event of your death. Sometimes referred to as "mortgage protection" insurance.
  
• Funeral Trusts: set aside funds for your funeral that are protected from Medicaid spend-down. Pay with a lump-sum or monthly. No underwriting required for lump-sum (which means everyone qualifies) and minimal underwriting if you want to pay monthly.
  
• Final Expense: insurance specifically for your funeral or cremation and other final expenses.
  
• Health Insurance: medical insurance that helps pay your doctor, hospital and other medical-related expenses.
  
• Dental & Vision Insurance: to help with your dental and vision care needs.
  
• Medicare Plans: (Medicare Supplements, Advantage Plans, and Cost Plans): please see our Medicare page for more information.
  
• Hospital Indemnity Plans: these plans typically pay a "per day or per stay" cash benefit when you go into the hospital. It may also cover skilled nursing visits or home care.
  
• Disability & Critical Illness Plans: known as "income replacement" when you get hurt or ill and cannot work.
  
• Critical Care & Critical Cash Plans: pays a monthly income when you are diagnosed with a serious illness like cancer, stroke, heart-attack, Alzheimer's disease or need an organ transplant. A great alternative to Long-term Care insurance but not to be confused with Disability plans.
  
• Fixed and Fixed Indexed Annuities: this might sound like a financial product but insurance companies issue the annuities. There are also fixed annuity products that offer long-term care protection as well. Your investment is secure, grows tax-deferred, and you earn a guaranteed rate-of-return.
  

Property & Casualty:

This is another insurance category that deals with our belongings, like cars, boats, homes, etc., to protect us against theft, fire, natural calamity like earthquakes, flood, etc.

Have Questions or Need a Quote? Please contact us for a referral to an agent in your service area.