ADDITIONAL INSURANCE
We have additional solutions to supplement your life insurance policy. These options include: Long Term Care, Critical Illness, Cancer/Heart Attack, and Disability Income Insurance.
Additional Insurance Solutions To Meet Your Needs
The value of Long-Term Care Insurance, Disability Income Insurance, and Critical Illness Insurance.
Long-Term Care insurance may be right if you:
- You value your independence and enjoy your home. You’re not planning to go anywhere, certainly not to a nursing home.
- Your family means the world to you. You love spending time together and would not want anything to jeopardize those cherished relationships.
- You worked hard to plan for a comfortable retirement. Spending your life savings on long-term care services isn’t and option to fit in your household budget
LONG-TERM CARE INSURANCE
As you age, you may need help with things you’ve always been able to do yourself – shopping for groceries, fixing meals, cleaning the house. You may also need help with personal services, like bathing, dressing or taking medications. A long-term care insurance policy is designed to help you pay for these types of services.
How a long-term care insurance policy works.
- When You Need Care - A licensed health care practitioner must certify you are chronically ill and unable to function independently of others. In this instance, your medical provider will submit a plan that includes prescribing long-term care services.
- Waiting for Benefits to Begin - When you purchase a long-term care insurance policy, you will be provided the selection of an elimination period, in which time any costs for long-term care services are your personal responsibility.
- Payment of Policy Benefits - You have the option to choose how to receive your policy benefits. A traditional reimbursement benefit is payable after satisfying your policy’s elimination period. Or you have the option to elect to receive a cash benefit with no elimination period to satisfy.
- Continuation of Benefits - As long as you remain chronically ill and eligible for benefits, your policy will continue paying for covered long-term care services until your policy limit is reached.
A Disabling Event Can Strike at Any Time. Did you know?
- 43% of all current 40-year-olds will have a disabling event lasting 90 days or more by the time they’re 65.
- 3 years is the approximate average length of a disability absence from work.
- The best time to buy disability income insurance is now. A disabling sickness or injury can happen at any time, at any age. And, since premiums are based in part on your age at time of purchase, elimination may cost you more.
DISABILITY INCOME INSURANCE
Disability income insurance provides benefits to help replace a portion of your income in the event that you become sick or injured not allowing you to work. It is financial protection that helps you focus more on your recovery and less on how you’ll cover your everyday living expenses.
In addition to your income, here are some of the most important things in your life that disability income insurance helps protect:
- Your home
- Your retirement
- Your family
- Your personal savings
- Your lifestyle
Who needs Critical Illness insurance?
- Families - With Critical Illness insurance coverage, families may have peace of mind knowing they’ve done the right thing to keep the house running as smoothly as possible.
- Individuals in need of a high deductible filler - Critical Illness insurance may be the ideal solution for those who are worried about covering the costs of a high deductible health insurance policy.
- Small business owners - Owners are the heart and soul of their small business. If an owner is unable to work for a period of time due to illness or treatment, a Critical Illness policy may help keep operations running as smoothly as possible for a time.
CRITICAL ILLNESS INSURANCE
If you’re diagnosed with a serious illness, one of the last things you want to worry about is your finances. A Critical Illness insurance policy helps provide protection from a variety of covered conditions, so you can focus on getting well.
Critical Illness insurance provides coverage for a wide variety of conditions that may have a significant impact on your finances, even if you have health and disability insurance. With rising treatment costs and deductibles, you may want to consider insurance protection to help cover unexpected expenses.
Who needs Cancer Insurance & Heart Attack/Stroke Insurance?
- Families - With Cancer Insurance & Heart Attack/Stroke Insurance, families may have peace of mind knowing they’ve done the right thing to keep the house running as smoothly as possible.
- Individuals who have high deductible health plans - Cancer Insurance & Heart Attack/Stroke Insurance may be the ideal solution for those who are worried about covering the costs of a high deductible health Insurance policy.
- Small business owners - Owners are the heart and soul of their small business. If an owner is unable to work for a period of time due to illness or treatment, Cancer Insurance & Heart Attack/Stroke Insurance may help keep operations running as smoothly as possible for a time.
CANCER & HEART ATTACK/STROKE INSURANCE
With the diagnosis of cancer or heart disease comes the reality of medical bills, time off for treatments, monies for living expenses, and for some, the cost of high deductibles. Cancer Insurance & Heart Attack/Stroke Insurance helps provide the resources you need so you can focus on your treatment, not your finances.
Are Cancer Insurance & Heart Attack/Stroke Insurance right for you?
Nearly everyone knows someone who has been affected by cancer or heart disease. Unfortunately, many believe that their existing coverage is adequate to cover all the expenses associated with these conditions. As costs and deductibles rise, so may the need for Insurance protection to cover out-of-pocket or living expense costs.
CARRIERS
Insure Me Now-Niccole is designed to offer a wide variety of life, health & sickness products from a long list of top-rated carriers in the country. This allows our agents to help families find the best products to meet their unique needs.
INSURE ME NOW-NICCOLE
Insure Me Now-Niccole makes the families we protect and the families of our agents our number one priority.
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