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Health Insurance

Health and Dental

The rising cost of hospital care, doctor visits and prescription drugs make treatment for many illnesses devastating without health insurance. We can help you find health insurance or Medicare supplement options which fit your budget while protecting you and your family from the cost of a major illness. Also, there are few things that contribute as much to a nice appearance as a healthy smile. A dental insurance plan can help. Call us today and give yourself and your family the benefits of insurance protection for health and dental needs.

Insurance to Protect your Love Ones

Life

Protection for your family in the event they must carry on without you is the most important investment you will make. There is no better gift to your family and yourself than the peace of mind of knowing you have protected those who depend on you. We can help you choose from a variety of plans that match your needs – please call us to review of this key part of your financial picture.

Disability

What would happen if you become disabled or ill and could not work? How would you pay your bills? Make your house payments? Buy groceries? Provide for your children’s education?

Most people don’t realize the risk of becoming disabled at some point in their lives. Nearly 1 in 5 people living in the U.S. will suffer a disability lasting for more than one year before the age of 65. One in seven people can expect to be disabled for five years or more.* Income lost through disability is 2 times as great as auto accident losses, and 3 times as great as fire losses.** 

Don’t overlook this important coverage that will protect you and your family from financial ruin in case of a disability.

*America’s Health Insurance Plans, National Association of Insurance Commissioners, U.S. Department of Commerce
** National Safety Council, 2003

Long Term Care

Long-term care insurance helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.
Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

Age is not a determining factor in needing long-term care. About 60 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime. About 40% of those receiving long-term care today are between 18 and 64. Once a change of health occurs, long-term care insurance may not be available.

Annuities

There are many ways to plan for your retirement. Which way is right for you?

One way is by purchasing annuities. There are many, often confusing options today for gaining a return on your savings. An annuity can provide you with a way to accumulate earnings for retirement or simply to supplement your current income.

An annuity is a contract between you and an insurance company that is designed to meet retirement and other long-range goals, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date.

Annuities typically offer tax-deferred growth of earnings and may include a death benefit that will pay your beneficiary a specified minimum amount, such as your total purchase payments. While tax is deferred on earnings growth, when withdrawals are taken from the annuity, gains are taxed at ordinary income rates, and not capital gains rates. If you withdraw your money early from an annuity, you may pay substantial surrender charges to the insurance company, as well as tax penalties.

There are generally three types of annuities — fixed, indexed, and variable. In a fixed annuity, the insurance company agrees to pay you no less than a specified rate of interest during the time that your account is growing. The insurance company also agrees that the periodic payments will be a specified amount per dollar in your account. These periodic payments may last for a definite period, such as 20 years, or an indefinite period, such as your lifetime or the lifetime of you and your spouse.
(Source: SEC)

The interest rates are competitive and the wide variety of options available can meet almost any need. Call The Insurance Center of Winchester now to see which of the options is right for you.