Our intention for the product store page is to assist in directing you towards the “shelf” or area of interest in a retail store experience.

Our intention is to present the insurance products as a tangible item, since insurance is the ultimate intangible good. So we wish for you to see the product and feel it, just as though you were walking into a retail store to purchase a physical item, like milk, eggs or bread.

PRODUCT ISLE: LIFE INSURANCE PRODUCT

BURIAL INSURANCE other wise known as FINAL EXPENSE insurance. Death a permanent problem. So choose a permanent product. The purpose of this insurance is to help pay for the cost associated with the unfortunate event of death. . This is a permanent type of product; meaning the premiums will never go up and the coverage will never go down for the entire life of the insured. When the event of death occurs, the “face amount” otherwise known as the benefit amount of insurance will be paid to the parties listed on the policy to receive the funds and distribute accordingly. Benefits can be used wherever the need is greatest, whether for burial expenses, final debt, legal fees or tuition for your children or grandchildren

MORTGAGE PAYOFF otherwise known as MORTGAGE PROTECTION. Mortgages and Loans are temporary problems. So choose a temporary product. The purpose of this insurance product is to help to pay off and eliminate a mortgage or debt on your property. Determine the length of your mortgage and place a term policy ( a policy that will terminate after chosen length ends) to match the length of your mortgage. Determine the amount of your loan. Purchase that amount of insurance as the “face amount” other wise known as benefit amoun

FINANCIAL CONTINUATION PLAN. The purpose of this policy is to continue your support for an interest of your choice, whether that’s a family or an organization that relies on your support.

CONSIDER THIS: utilize a Last Will and Testament to have the direct the use of the funds as you wish.

HEALTH INSURANCE:

FEE FOR SERVICE PLANS otherwiese known as INDEMNITY PLANS. These plans are designed to pay a specified amount for a service rendered. The covered services will be listed by name in the policy. The beauty of the policy is that it’s straight forward. The services covered are listed and the amount paid for each service is listed. There is no guesswork involved. Simply search for the service you are using or plan to use and if it’s listed, then you’re covered up the specified amount stated on the list.

CRITIAL ILLNESS:

• A critical illness may be fall into the spectrum of– a heart attack, cancer, stroke
• Most will survive, even thrive, thanks to modern medicine
• CI pays a lump-sum benefit at first diagnosis of a covered illness or procedure
• Lump-sum benefit may be used for anything – mortgage, deductibles, co-pays, child care, or to replace lost wages
• Would a benefit amount of $5,000 to $500,000 help relieve your client’s financial stress during a difficult time?

SPECIFIED DISEASE: Designed to supplement a Limited Benefit / Indemnity plan in the event of a Covered Specified Condition/Procedure

Amputation
Amyotrophic Lateral Sclerosis (ALS)
Angioplasty
Cancer (Internal Cancer)
Coronary Artery Bypass Surgery
End Stage Renal Failure
Heart Attack
Heart Valve Surgery
Joint Replacement
Major Organ Failure/Major Organ Transplant (bone marrow, heart, kidney, liver, lung, pancreas)*
Pacemaker Implant or Insertion of Implantable Cardiac Defibrillator
Ruptured Aneurysm (Ruptured Cerebral, Carotid or Aortic Aneurysm)
Stroke

PRODUCT ISLE: DWELLING INSURANCE

DWELLING POLICY 1 (DP1): This policy is designed to be flexible and a sort of name your desired coverage type of policy. You can pick and choose what you’d like to insure. In other words it is un-packaged.

The DP-1 offers property and liability coverage: It is designed to protect property from a limited named list of perils ( another name for causes of loss). The list consist of approx. 8 named types of losses, such as all types of weather events and fire. Google DP 1 named perils list to get a list of the types of losses covered.

Loss Settlement is actual cash value otherwise known as depreciated value (replacement value less the scheduled depreciation based on quality and materials at time of loss)

DWELLING POLICY 2 (DP2): Similar to the DP 1 the DP2, this product is designed to expand and broaden the types of losses covered. The losses are expanded beyond weather and fire events. Google DP2 list named types of losses covered. Loss Settlement is replacement value. Item will be replaced or repaired with like kind and quality materials at time of loss.

DWELLING POLICY 3 (DP3) Similar to the DP 1 and DP 2, this product is designed to go even further by expanded coverage to include all losses are covered except what is excluded. The product coverage is “open” rather than listing a set list of named perils (remember perils = cause of loss). So with this plan we look at the list of items not covered vs. list of items covered. We find this list in the in the exclusion section. Ultimately you can rest a little easier choosing this product. The list of exclusions is very rare and extreme events, such as war and volcanic eruption. But of course, there is always a percentage they could occur. Loss Settlement is replacement value. Item will be replaced or repaired with like kind and quality materials at time of loss.

HOMEOWNER POLICY 3 (HO3 REPLACEMENT LOSS COVERAGE POLICY) Similar to the DP3 product, the HO3 is designed as a package including coverage for events a resident of a home are anticipated to need; such as the dwelling (look at exclusions list for loss not covered. If it’s not in the exclusion list, then it’s covered.), the contents (property within the home that is not permanently attached to the home. Covered loss are named. So check the named loss section to types of losses covered), detached structures (sheds, carports, fencing), loss of use (pays for additional expenses above normal and customary living expenses, such as the added cost to rent a hotel room and dine out), liability coverage (protection of your financial assets if you are held responsible for causing bodily injury or property damage to others whether on or away from the home), medical payments to others (good will coverage for guest who may get hurt whether you’re at fault or not. It’s coverage to keep others from pursuing filing suit against you).

HOMEOWNER POLICY 4 (HO4 for CONTENTS and Liability package) Similar the to Homeowner 3 product, the HO4 is available to cover same aspects of the HO3 product, minus the dwelling itself. This is often referred to as a renters policy. But you are not required to be a renter to purchase it. Some folks are not concerned about protecting their dwelling. They may only be interested in their contents. This policy is designed for them. OR for the person who’s dwelling’s characteristics may not qualify for coverage.

HOMEOWONERPOLICY 5 (COMPREHENSIVE LOSS COVERAGE POLICY) Similar to the HO3, the #5 in this product stands for Protection on CONTENTS on a Comprehensive/open loss basis. Comprehensive / open losses means if coverage is not listed in the exclusion area, then the cause of loss is covered. This policy comes in handy when folks wish for no questions asked type of policy. The dwelling and contents are covered for all losses except what’s excluded.

HOMEOWNER POLICY 6 (HO6 for CONDOS ) Similar to the HO3, this product is designed to cover the interior of a condo and liability. There is also additional coverage considerations for loss assessments that the condo association may impose after a loss. An assessment is charged to the entire condo association when the grounds and structures themselves are damaged by a cause of loss. The unit owners each own the interior of their unit individually, but the whole association of condo owners share in the ownership of the grounds and structures. Thus if a loss occurs, the whole association will pay a portion of the damages (only if the association charges an assessment fee). Thus, there is coverage available for these fees for Condo owners.

HOMEOWNER POLICY 8: This is similar the the DP1 with some Homeowner flair aspects to it. The types of losses are the limited named/listed losses featured in the DP1 product (reminder: the # is what determines what list of losses will be covered). The other characteristic of this product is that it’s designed for primary/seasonal residents. Folks who are using the home to live in. This product is often bought for unique/one of a kind homes OR historic and home older than 100 years. The types of losses are limited to pretty much fire, weather, and lightening damage losses. This is because homes with unique designs such as one of a kind homes and older historic homes may have construction features and characteristics that are statistically sparse to analyses and predict the spectrum of losses. So the HO8 is use sparingly, but it’s available for the unique and historical home.

WORK IN PROGRESS: UPDATED 05/07/2021 (BL)

PRODUCT ISLE: LIABILITY INSURANCE

GENERAL LIABILITY:

UMBRELLA LIABILITY:

PRODUCT ISLE: BUSINESS AND COMMERCIAL INSURANCE