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Accidental Injury Coverage


Average Cost of a broken Leg is $23,678


This policy provides coverage for accidental injury. It pays on top of workers compensation and covers dental accidents as well.

What is accident insurance? Why do I need it? Many people are unaware that this plan can help when life throws you that curve ball.


The reality is that accidents do happen, and the associated costs could have a devastating impact on your family's finances.


For example, your child's adventure climbing a tree may land them in ER. You could injure your back cleaning out the gutters, and find that you need surgery as result.  Traffic accidents, cuts, injury at work, biting into something and chipping a tooth, toddler's starting to walk and falling against a table to mention a few. 


Health insurance pays the doctors and hospitals, our benefit offerings pay you when you need it the most to take care of living expenses, deductibles and out of pocket expenses.









Identity and Legal Protection


Legalshield and IDShield will look out for you so you can live your life with confidence. Whether it is BIG or SMALL, you can have legal help for a low monthly cost.


  • Get protected for a number of LEGAL issues and assistance with common legal needs such as a FREE WILL, document review upto 15 pages, advice, letter and phone calls on your behalf. 
  • IDShield's comprehensive identity protection service diligently monitors for signs of crimiinal activity and gives you all you need to keep your identity secure from thieves and fraud.

                                     click the logo for more info ....




















Pet Insurance


Pet Insurance is not something that everyone considers; however it can prove to be the difference or life and death in a time of need. The average pet visit can cost between $2,000 and $6,000. Does your family have the ability to pay such a bill when the unthinkable

happen? We have partnered with leading providers to match your needs. 














Short Term Disability


Protecting financial security starts with protecting your paycheck. Disability coverage is a vital part of proper planning to ensure that your financial stability is unharmed when the unexpected happens and you are unable to work due to an illness or injury.


It is GUARANTEED ISSUE - everyone can have it regardless of health. * 3/6 mo option. *12/12 exclusion on guaranteed issue plans.


The consequences from the loss of income due to illnesses such as cancer and heart decease can be so devastating that it forces foreclosures on homes or even bankruptcy.


We offer different options based on needs and budget.


Don't forget to ask about maternity benefits!












Medical GAP Coverage


Designed to make your medical out of pocket expenses bearable. Up to $2,000 hospital confinement benefit paid on the first night in hospital for 23 hours or more (GUARANTEED ISSUE). 


Physician visit benefits designed to reimburse you for your co-pays. Additional benefits: Surgeries, Invasive examinations, CT scans, MRI's, Ambulance. 















Critical Illness Coverage
Average Cost of a stroke is $126,689


Heart attacks, strokes, coma, 3rd degree burns, sudden cardiac arrest and paralysis are not only life altering, but are also financially catastrophic to one's family.Cash benefits can make the difference your family needs.

 

Benefits may be used however you choose; to help with paying you mortgage or rent, utilities, car payments, child care and food. These benefits are paid in cash directly to you.



Provides you with:

  • Lump Sum Benefit
  • Intensive Care Stays
  • Hospital Stays
  • Travel/Lodging  *Treatment 50 miles or more from home
  • Rehabilitation benefits, including dialysis for kidney failure








Contact information:

(346) 331-0492

Brokers


Learn how we partner with Insurance Professionals to offer their clients voluntary work-site benefits.


We provide innovative, strategic ideas and products to deliver greater value to your employer groups.






Cancer Coverage


A policy specifically designed to provide financial support for those individuals who become diagnose with internal cancer. 


One out of two males and one out of three females will be diagnosed with some form of cancer according to the National Cancer Institute.


Our opinion, everyone needs a cancer policy. No lifetime maximum on certain treatments. Beneftis include:


  • Initial Diagnosis Benefit
  • Treatment Benefits
  • Wellness Benefits
  • Surgery and reconstructive surgery benefits
  • Hospitalization
  • Home Health Care
  • Hospice
  • Millage if treated 50 miles or more from home
  • Hotel stays during treatments
  • plus more



Life Insurance


One of the most difficult things to do is have to imagine life without your loved ones. I lost my high school sweetheart, love of my life and father of my two beautiful children in 1994 when he was shot and killed.


I understand what happens to a family when we fail to plan. Life insurance cannot relieve the pain, but it can help support your family financially after you are no longer able to do so.


The decision to purchase life insurance should not be taken lightly. We can help you find the right plan that best fits your needs.



Juvenile Life Insurance


Juvenile Life is available to age 17


Available in $10,000   $20,000 and $30,000 options.

Coverage doubles at age 18 at NO additional cost.



Dental and Vision


As a leading voluntary insurance benefits coordinator we are able to offer traditional dental and vision through our top rated carriers to meet your employee's needs.















​Dental Saving Plans

Join, Save, Smile


We also offer Discount Dental Plan for employees with an immediate need of Major Dental work.




​​​Employers

Learn why small businesses love working with us and discover how we help with Insights, Health Care Reform and more.  We can build a comprehensive health care benefits package without increasing your costs.


Save on Payroll Tax with a Section 125/POP

Flexible Spending Accounts      

Dependent  Care Flexible Spending Account











Cancer Coverage



A policy specifically designed to provide financial support for those individuals who become diagnose with internal cancer. 

One out of two males and one out of three females will be diagnosed with some form of cancer according to the National Cancer Institute.

Our opinion, everyone needs a cancer policy. No lifetime maximum on certain treatments. Benefits include:

  • Initial Diagnosis Benefit
  • Treatment Benefits (Chemo, Radiation)
  • Wellness Benefits
  • Surgery and reconstructive surgery benefits
  • Hospitalization
  • Home Health Care
  • Hospice
  • Millage if treated 50 miles or more from home
  • Hotel stays during treatments


                


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Life Insurance


One of the most difficult things to do is have to imagine life without your loved ones. I lost my high school sweetheart, love of my life and father of my two beautiful children in 1994 when he was shot and killed.


I understand what happens to a family when we fail to plan. Life insurance cannot relieve the pain, but it can help support your family financially after you are no longer able to do so.

The decision to purchase life insurance should not be taken lightly. We can help you find the right plan that best fits your needs.

  • Whole Life (Fixed Premium)
  • Term Life (10, 15, 20 or 30 year term) Affordable life insurance
  • Guaranteed Issue Life ( Whole Life for people with health challenges)










Juvenile Life Insurance
Juvenile Life  available to age 17
Children and Grandchildren


Available in $10,000   $20,000 and $30,000 options.

Coverage doubles at age 18 at NO additional cost.​



Final Expense Plan
Funding    *   Planning   *   Assisting the Family


Our Provider helps you make things easier for the loved ones who will be in charge of your funeral arrangements someday.

Planning your funeral:
Your funeral plan can prevent arguments in the family..... confusion.... emotional over-spending on your arrangements. We make it easy for you to get your wishes on paper.

Funding your funeral and final expenses:
Up to $20,000 in cash benefits can be in your loved one's hands within a quick 24 hours of claim approval.

Assisting your family:
Your loved ones upon your passing can have a funeral representative contact any funeral home to take care of the purchasing details for them during a time of emotional upheaval.


Call for an appointment today:
Loraina Veronica Boyer
(346) 331-0492

Don't let your family experience the same trauma I did when my husband passed. Call me to set up an appointment, let's plan together.




Work-Site Benefits

Employees and Employers


Learn how work-site benefits can help you with cash benefits for the expenses Health Insurance does not cover.

Affordable

Weekly rates starting as low as a gallon of milk.



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