Products and Services

Individuals and businesses buy insurance to protect themselves against the uncertainties that cause financial as well as personal loss. The smooth functioning of our families, businesses, corporations, of society itself, cannot be effectively sustained without insurance protection against losses that may arise unexpectedly at some point in our lives.

Health insurance covers medical expenses for illnesses, injuries and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. 

So, what’s health insurance for and why do you need it? Because accidents or health problems can happen at any time. Medical expenses can be high—they’re the number one cause of bankruptcy. To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies. To pay and keep track of medical payments quickly and easily. To safeguard your way of life and your family’s physical and financial well-being.

Life insurance is an agreement between you and an insurance company that, in exchange for your monthly payments, the insurer will pay a sum of money to your loved ones. You buy life insurance not because you’re going to die but because those you love are going to live—and you want them to be financially secure after you’re gone. Life insurance can cover loss of income, funeral expenses, debt and other financial needs.

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. Auto insurance provides coverage for: Property – such as damage to or theft of your car. Liability – your legal responsibility to others for bodily injury or property damage. Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.