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 Medicare supplement insurance plans (“Medigap”) are plans by private insurers to complement your Medicare coverage. These plans are designed to help cover some of your out-of-pocket expenses not typically covered by Medicare. 

Dental Insurance is there to cover the expenses on cleanings and x-rays, and to save on costly unexpected work, such as fillings or root canals.  

 Vision Insurance is a plan designed to reduce costs for routine preventive eye care. Some plans offer discounts on elective vision correction surgery.

Disability insurance will provide income in the event a worker is unable to perform their work and earn an income due to a disability. 

There are two types of disability insurance:

Short-Term Disability

Long-Term Disability 

 Accident and sickness insurance offers income protection that replaces your income if you are unable to work due to injury or illness. This allows you to cover monthly bills until you are back to work.

 Life insurance is a contract between the insurance company and a policyholder, in which the insurance company guarantees payment of a death benefit to named beneficiaries upon the death of the insured. 

  Key Person Insurance is a life insurance policy that a company purchases on a key executive's life. When there are multiple executives/ partners/ owners, there are usually multiple policies. The company is the beneficiary of the plan and pays the policy premiums.