Group/Individual Benefits

Insurance benefits that cover you from head to toe and into retirement.

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Group and individual insurance that helps prepare your family for the unexpected.

Your health can change in a split second and you want to be prepared. We will assist in developing a comprehensive benefits package for you or your employees that covers medical, life, disability and long-term care for you and your loved ones.

A sudden illness, long-term disability due to an accident, long-term care in retirement, or death – these are scary things to think about, and sometimes they seem far off. As a business owner, you may want to offer your employees that peace of mind that comes with being covered for all life can throw at them.

Maybe you have minimal benefits from your current employer and want to ensure your family is taken care of in the event of those same things, or maybe you want to plan for retirement.

No matter your situation, it’s always smart to have a plan in place. We’ll help you navigate through the options and find the best coverage for your needs.

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Which insurance solution is right for you?

Explore how having the right insurance can protect you from the unexpected.

Life

Providing for Your Family

Risk Factor

Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?

Solution

Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.

Mortgage Payments

Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.

Auto Payments

Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs

Risk Factor

An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution

A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings

Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.

Solution

Life insurance can help support a surviving spouse during their retirement.

Protecting Your Small Business

Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.

Solution

A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement

Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution

Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.

You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.

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No one wants to consider the unthinkable, so talking about child life insurance can be difficult. But, there are advantages to this type of coverage that you might not be aware of. We’ll talk you through the basics of a child life insurance policy to help you decide if it’s right for your family.

For those who don’t have employer-sponsored health plans, an individual health insurance policy is a necessity. We’ll help you sort out the confusion of co-pays, coinsurance and other considerations and create a policy that fits your life.

Taking care of your teeth is part of being healthy. We’ll work with you to design coverage that gives you dental care at a reasonable cost.

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months – even years. We’ll make sure you have financial support to manage your disability and your household.

Medicare supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.

Navigate Risk Advisors offers comprehensive personal insurance options.

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As an independent agency, we offer multiple options at competitive prices.