AUTO INSURANCE

The sad truth is, a huge auto liability award could be lurking for any one of us at every corner. To protect your family, your business and other vital assets, you must properly protect yourself from a huge potential payout by maintaining the proper level of coverage for your particular situation.

If you have any doubts about the appropriate level of automobile insurance that's right for you, contact us today. We have excellent plans available through reputable and reliable auto insurers, and we will be happy to help determine the coverage best suited to your needs.

Compulsory Auto Policy Coverage

• Bodily Injury to Others
• Personal Injury Protection
• Bodily Injury Caused by Uninsured Auto
• Bodily Injury Caused by an Underinsured Auto
• Damage to Someone Else's Property
• Medical Payments

Optional Coverage

• Collision
• Comprehensive
• Substitute Transportation
• Towing and Labor

 

HOMEOWNERS INSURANCE

If you're like most individuals, one of the biggest financial investments you'll ever make is in your home. After all, it's not just a house or a property, but a haven of comfort and security for you and your family. That's why it makes sense to protect it with a comprehensive homeowners plan - one produced by an experienced, knowledgeable insurance professional who understands how to cover all your needs without making you pay any more than you have to. We offer:

Basic Protection You Need For

• Your Home
• Other Buildings or Structures on Your Property
• Your Personal Belongings - Furniture, Clothing, Appliances, etc.
• Additional Living Expenses
• Your Personal Legal Liability

Special Features You Can Choose for Additional Security

• Home Replacement Guarantee
• Replacement Cost on Contents
• Additional Coverage Form

 

LIFE INSURANCE

Life insurance is a critical component of an overall plan for a safe and secure future - for you and your family. In addition to the obvious financial security it delivers to beneficiaries, life insurance can be a smart tool for fulfilling promises and obligations you've made to your loved ones. This can produce invaluable peace of mind for you - especially as you get older.

The death benefit your policy produces is income-tax free and can be used to cover funeral expenses, repay debts, provide education, pay estate taxes or any other expenses your survivors may incur. Life insurance may also be used to help ensure that a family business passes to your intended survivor. There are also benefits to certain types of life insurance plans that can be realized during your lifetime. Contact us for more information or to discuss a policy that fits your goals.

 

HEALTH INSURANCE

Not only are health care costs painfully high; it seems that every year they just continue to climb. Are you covered financially if you have a devastating accident or a major illness? With health insurance, you can protect yourself and your family in case you need medical care that has the potential to be very expensive.

There are several different types of individual health insurance, including fee-for-service, HMO or PPO plans - but you should know the differences and coverage limitations before buying. Policies differ widely in coverage and cost.

Your Corporate Four agent will shop various policies to find the best one for you, making sure the policy protects you from large medical costs and does not contain any hidden exclusions or stipulations that you do not understand at the outset.

If your family includes just two adults, it is sometimes less expensive for each of you to have individual coverage than for just one of you to have a family plan. If you have children, or if you might have children soon, you need a family plan. Because situations change, it is important to review your health insurance regularly with your agent.

However, remember that cost is not the only consideration when buying health insurance. You should have a policy that offers a reasonable range of protection and treatments for common illnesses and regular trips to the doctors to more significant physical setbacks and even operations. You also need to consider the benefits of each policy, and compare plans carefully for both cost and coverage with your Corporate Four agent.

 

LONG-TERM CARE

Long-Term Care has been defined as "medically necessary assistance, recommended by a physician for the treatment of a chronic illness or debilitating injury on a long term basis." Recovery is usually not expected. Care is oriented toward helping a person function, not toward a cure. Long-term care is typically not covered by your health plan, disability coverage or Medicare. Medicaid does cover long-term care, but only after you have used up your assets paying for care. Contact us to discuss available policy options for Long Term Care.