Supplemental Insurance

Life Insurance

Our income, over the span of our working life is one of our greatest assets. Many people do not make the connection that a $40,000 a year job worked for 25 years is $1,000,000. Life insurance is designed to replace the wages that you would lose if you were suddenly to die.

Group Term Life Insurance:  Life insurance is available to all active employees regardless of health. Rates are typically in 5-year age-banded increments and change when an employee moves from one band to another (i.e. employee turns 35). In addition there is generally an opportunity to purchase coverage on a spouse and children.

Individual Term Life: As an alternative to the group model, companies may choose to offer their employees the opportunity to purchase an individual policy. While the employer will make the appropriate deductions from the employee’s paycheck, the employee is really buying an individual policy. Individual Term Life Insurance may be either a 5-year, 10-year, 20 or 30-year term. Underwriting (health questions to qualify) will vary by insurance company as will the amount of coverage available.

Universal Life Insurance: Universal Life is designed to be a cost-effective approach to permanent insurance–higher in cost than Term Life but lower than the cost of a Whole Life policy.

Whole Life Insurance:  Whole Life Insurance is very much a “what you see is what you get” type of product. All aspects of the policy are guaranteed, such as premiums, cash value and death benefit.

To receive more information and a quotation, contact Meg McComb.

Vision and Dental Insurance

Many companies offer group dental and vision plans or give employees the option of purchasing individual plans at a group discount. Individual dental and vision plans are also available. Health Care Reform mandates that children through age 19 receive periodic vision and dental exams.

To receive more information and a quotation, contact Meg McComb.

Overseas Travel Insurance

Few individual or group medical insurance policies cover care for individuals traveling outside the United States except for emergencies. 

Learn more about short-term overseas travel insurance

Get more information on travel insurance for mission trips especially designed for churches and Christian schools

AFLAC VOLUNTARY PRODUCTS

Aflac is different from health insurance; it pays cash benefits directly to you, unless otherwise assigned, to help with unexpected expenses when you’re sick or hurt. It’s an extra measure of financial protection. Benefits are pre-determined and paid regardless of any other insurance you have.

Learn more about Aflac’s affordable, outstanding portfolio of voluntary products, such as accident, cancer, and critical care.