Life, Accident and Health:
Term Life Covers you for a term of 10, 20, or 30 years. It pays a death benefit only if you die in that term. It does not build up a cash value.
Whole Life Covers you for as long as you live if your premiums are paid. You generally pay the same amount in premiums for as long as you live.
Universal Life A flexible policy that lets you vary your premium payments. Builds cash value.
Annuities A tax-deferred annuity allows you to supplement the retirement income provided by your pension plan and Social Security.
Disability The purpose of disability income insurance is to replace a portion of the insureds income during a long-term disability.
Mortgage Life Mortgage Life policies decrease monthly to approximate the outstanding balance of a mortgage. The concept is that the mortgage balance will be covered no matter when the insured dies.
Mortgage Disability Provides funds needed to make your mortgage payment if you become totally disabled from an accident or illness.
Health Insurance Health insurance provides coverage for individuals who become ill and require medical treatment as an outpatient or if they are hospitalized.
Long-Term Health Care LTC is a product designed for aging Americans to provide coverage for such things as assistance in their homes including nursing care, adult daycare, or hospice care.
Brigandi, Gleghorn and Associates, Inc. - 123 E. Water St. Lock Haven, PA 17745 - 570-748-4022