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Accident
& Health Insurance |
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Protect the members of your Emergency Service Organization
(ESO) with supplemental benefits every member deserves.
What happens to your member or volunteer who gets hurt
on a call while protecting and saving the life and property
of others? Does he (she) have health insurance coverage?
Does he have adequate disability insurance if the injury
is long-term, or even permanent? Does he have adequate
life insurance to protect his family?
Make sure you have a comprehensive package of benefits
available to meet their needs. Our specialty carrier has
been insuring ESO's since 1928, and today offers a wide
range of innovative member benefits.
Help us help you protect and provide for your organization's
most important and valuable asset…your members!
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| Request
a fire company accident insurance quote |
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Property
Insurance |
Note that May 27-June 2 is Hurricane Preparedness Week.
The National Weather Service has several resources which are accessible at www.nhc.noaa.gov/prepare/
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While
you are out protecting and saving others' property, be
sure your buildings and contents are adequately insured.
Check your policy for building amount, type of coverage,
deductible, and policy period. Call us with a copy of
the information to compare and offer alternatives for
coverage. |
| Request
a fire company property insurance quote |
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Life
Insurance |
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Life
insurance provides financial protection for you and your
family. It is used to cover debt obligations (mortgages,
home equity loans, car loans, credit card debts, etc.) and
provide cash flow in the case of an unexpected and premature
death of one or more of the family breadwinners. Life insurance
comes in several forms and can also be used for estate planning
purposes. Forms of life insurance include term, universal,
variable universal, and permanent. |
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Term: |
- lower
initial cost
- protection
for a specific time period
- covers
a specific need
- option
to include income stream
- option
to convert to permanent life insurance
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| Universal: |
- flexible premiums
- flexible coverage amounts
- flexible term
- guaranteed interest rates in a tax-deferred vehicle
- opportunity to accumulate cash value
- access to cash value
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| Variable Universal: |
- same benefits as universal
- investment subaccounts (mutual funds) to accumulate
cash value
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| Permanent: |
- policy guarantees
- protection for your entire life
- access to cash values
- higher initial premium
- tax-deferred vehicle with guaranteed interest rate
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| Request a life insurance
quote |
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Health
Insurance |
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Health
insurance provides financial protection against a catastrophic
medical expense. You can tailor a program of comprehensive
major medical coverage to include networks (PPO's) or traditional
(any provider) plans. You select your deductible, coinsurance,
and options for yourself and family including maternity,
prescription drug card, dental, accidental medical expense,
and a Health Savings Account (HSA) for the self-employed.
Group plans are available for two or more employees. |
| Request
a health insurance quote |
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Disability
Insurance |
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Disability
insurance replaces lost wages due to a long-term health
condition that prevents you from working and earning wages.
Provide for your family with the disability insurance needed
to continue paying your everyday living expenses. Select
your level of income, deductible period, term of benefits
and options. |
| Request
a disability insurance quote |
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Individual
Retirement Accounts (IRA's) |
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Individual
Retirement Accounts (IRA's) are available to any employed
or self-employed person who receives earned income or compensation.
Contributions to an IRA may reduce your taxable income and
earnings may accumulate
tax-deferred. The principal
and interest of your IRA are not taxable income until they
are withdrawn, usually upon retirement or mandated by the
IRS after age 70 1/2. Early withdrawals (prior to age 59
1/2) may incur a 10% penalty. |
| Request
IRA information |
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Annuities |
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Annuities
are insurance company products. They are an investment vehicle
used to provide an income stream at some future date. You
may make a lump-sum contribution or periodic contributions
over time to the annuity. You select the future date when
the annuity's principal and interest are repaid to you.
Annuities are popular investment vehicles for IRA's, allowing
income to be paid in the future over several years, thus
reducing the tax impact. |
| Request
Annuity information |
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